---
title: Make Payments to Payees
slug: poc-onboarding/make-payments-to-payees
createdAt: 2025-06-06T04:36:34.358Z
---

## Payee Payouts via Monoova - [Full Docs](https://api-docs.monoova.com/payments#tag/Financial/operation/TransactionExecute)

Enable fast and flexible outbound payments through NPP, Direct Credit, and BPAY. This guide outlines how to programmatically pay suppliers or billers directly from your ledger account.

### Overview

All outbound payment types are supported through the same API:

**Endpoint**: POST https\://api.m-pay.com.au/financial/v2/transaction/execute

You can disburse funds using:

- **NppCreditBankAccount** – for instant NPP transfers
- **directCredit** – fallback for bank accounts not reachable via NPP
- **bpay** – to pay BPAY billers (pending details)

The mWallet token is the ledgerAccountNumber.

***

### NPP Credit Transfer (Primary Method)

Use this method to make real-time payments to eligible bank accounts.

**Request**:

:::BlockQuote
\{
  "uniqueReference": "BillpaymentTelstra",
  "totalAmount": 200,
  "paymentSource": "mWallet",
  "mWallet": \{
    "token": "6279059712214060"
  },
  "disbursements": \[
    \{
      "amount": 200,
      "disbursementMethod": "NppCreditBankAccount",
      "toNppCreditBankAccountDetails": \{
        "bsbNumber": "802985",
        "accountNumber": "816122820",
        "accountName": "TesltraBills",
        "remitterName": "BobsBuilders",
        "lodgementReference": "INV22331",
        "endToEndId": "INV22331",
        "description": "Phone Bill"
      }
    }
  ]
}
:::

**Response**:

:::BlockQuote
\{
  "durationMs": 2748,
  "status": "Ok",
  "statusDescription": "Operation completed successfully",
  "callerUniqueReference": "BillpaymentTelstra",
  "feeAmountIncludingGst": 1.2650,
  "transactionId": 50555806
}
:::

***

### Direct Credit Transfer (Fallback Method)

Use this method for traditional overnight payments to BSB/account numbers not supported by NPP.

**Request**:

:::BlockQuote
\{
  "uniqueReference": "BillpaymentAGL",
  "totalAmount": 600,
  "paymentSource": "mWallet",
  "mWallet": \{
    "token": "6279059712214060"
  },
  "disbursements": \[
    \{
      "disbursementMethod": "directCredit",
      "toDirectCreditDetails": \{
        "bsbNumber": "032-000",
        "accountNumber": "2681849",
        "accountName": "AGLBilling"
      },
      "lodgementReference": "INV332424",
      "amount": 600,
      "description": "BobsBuilders"
    }
  ]
}
:::

**Response**:

:::BlockQuote
\{
  "durationMs": 807,
  "status": "Ok",
  "statusDescription": "Operation completed successfully",
  "callerUniqueReference": "BillpaymentAGL",
  "feeAmountIncludingGst": 0.8800,
  "transactionId": 50555809
}
:::

***

### BPAY

Use this method to pay BPAY billers by biller code and reference number.

**Request**

:::BlockQuote
\{
  "totalAmount": 100,
  "paymentSource": "mWallet",
  "mWallet": \{
    "token": "6279059712214060"
  },
  "disbursements": \[
    \{
      "disbursementMethod": "bpay",
      "toBPayDetails": \{
        "billerCode": "857763",
        "referenceNumber": "6279059700010918"
      },
      "amount": 100,
      "description": "Payment for utilities"
    }
  ],
  "uniqueReference": "BPAYpayment"
}
:::

**Response:**

:::BlockQuote
\{
  "durationMs": 817,
  "status": "Ok",
  "statusDescription": "Operation completed successfully",
  "bpayReceipts": \[
    \{
      "amount": 100,
      "billerCode": 857763,
      "disbursementArrayIndex": 0,
      "receiptNumber": 2287656,
      "referenceNumber": "6279059700010918"
    }
  ],
  "callerUniqueReference": "BPAYpayment",
  "feeAmountIncludingGst": 0.6600,
  "transactionId": 50555834
}
:::