> ## Documentation Index
> Fetch the complete documentation index at: https://docs.tender.cash/llms.txt
> Use this file to discover all available pages before exploring further.

# Bulk Disbursements

> Pay multiple recipients at once using USDC or XLM on the Stellar network

Tender's disbursement feature lets you send funds to many recipients in a single action. Each
recipient receives an invitation to claim their payment directly into their Tender loyalty wallet.

<img src="https://mintcdn.com/bombatahabeebgmailcom/ksrs05kub9T7GP95/images/sdp-disbursement.gif?s=43ea339e2192c27c64f5e1c444eb4a7b" alt="Disbursement flow demo" width="900" height="506" data-path="images/sdp-disbursement.gif" />

***

## How it works

<Steps>
  <Step title="Prepare your recipient list">
    Collect each recipient's contact (email or phone), a unique ID, the amount, and their date of
    birth for verification.
  </Step>

  <Step title="Submit the disbursement">
    Go to **Wallet → Actions → Disburse** in your merchant dashboard, fill in the details, and
    upload a CSV or enter recipients manually.
  </Step>

  <Step title="Tender transfers funds on-chain">
    Tender debits your Stellar platform balance and transfers the total to the Stellar Disbursement
    Platform distribution account on-chain.
  </Step>

  <Step title="Recipients claim their funds">
    Each recipient receives an invitation via email or SMS. They click the link, verify their
    identity, and funds are credited to their Tender loyalty wallet.
  </Step>
</Steps>

***

## Prerequisites

<CardGroup cols={2}>
  <Card title="KYC approved" icon="shield-check">
    Your merchant account must be fully KYC verified before you can disburse.
  </Card>

  <Card title="Stellar balance" icon="coins">
    You must hold the asset you want to disburse (USDC or XLM) in your Tender platform wallet.
    The full total is debited at submission time.
  </Card>
</CardGroup>

***

## Supported assets

| Asset | Network | Notes                                                       |
| ----- | ------- | ----------------------------------------------------------- |
| USDC  | Stellar | Settled to recipient's Tender loyalty wallet                |
| XLM   | Stellar | Native asset — settled to recipient's Tender loyalty wallet |

***

## CSV format

Upload a `.csv` file with the following columns:

```csv theme={null}
contact,id,amount,verification
alice@example.com,cust-001,10.00,1990-05-20
bob@example.com,cust-002,25.50,1985-11-03
+2348012345678,cust-003,5.00,1992-08-14
```

| Column         | Type   | Description                                                                  |
| -------------- | ------ | ---------------------------------------------------------------------------- |
| `contact`      | string | Recipient email address or phone number (E.164 format for phone)             |
| `id`           | string | Your internal ID for this recipient — must be unique within the disbursement |
| `amount`       | number | Amount to send (e.g. `10.00`)                                                |
| `verification` | string | Recipient's date of birth in `YYYY-MM-DD` — must match exactly at claim time |

<Warning>
  The `verification` date of birth must match exactly what the recipient enters when they claim
  their funds. A mismatch will block the payment.
</Warning>

### Rules

* Each `id` must be unique within the disbursement
* Minimum amount: `0.0000001` (Stellar precision)
* Maximum recipients per disbursement: **10,000**
* Disbursement `name` must be globally unique — plan a naming convention such as `payroll-2026-06`

***

## Disbursement statuses

### Disbursement-level

| Status        | Meaning                              |
| ------------- | ------------------------------------ |
| `STARTED`     | Accepted — payments are being queued |
| `IN_PROGRESS` | Some recipients paid, others pending |
| `COMPLETED`   | All recipients paid                  |
| `PAUSED`      | Manually paused                      |

### Per-recipient payment status

| Status    | Meaning                                              |
| --------- | ---------------------------------------------------- |
| `READY`   | Queued, waiting for recipient to register and verify |
| `PENDING` | Submitted to the Stellar network                     |
| `SUCCESS` | Funds landed in recipient's Tender loyalty wallet    |
| `FAILED`  | Payment failed — will retry automatically            |

***

## Troubleshooting

<AccordionGroup>
  <Accordion title="&#x22;Insufficient balance&#x22;">
    Your Stellar platform balance is below the disbursement total. Top up via your wallet page
    and retry.
  </Accordion>

  <Accordion title="&#x22;Disbursement already exists&#x22;">
    A disbursement with that exact name was already submitted. Use a different, unique name.
  </Accordion>

  <Accordion title="&#x22;Receiver verification mismatch&#x22;">
    The date of birth in your CSV doesn't match what the recipient entered at registration.
    Confirm the correct date and resubmit with an updated record.
  </Accordion>

  <Accordion title="Recipient hasn't received anything">
    Check whether they completed registration — they need to click the link in their email or SMS
    invitation. Unregistered recipients stay in `READY` state until they do.
  </Accordion>

  <Accordion title="&#x22;No USDC balance available on Stellar&#x22;">
    Your platform wallet has no Stellar USDC. Either switch to XLM or deposit USDC to your
    Tender Stellar wallet first.
  </Accordion>
</AccordionGroup>

***

## FAQ

<AccordionGroup>
  <Accordion title="Where do recipients receive their funds?">
    Funds are credited to the recipient's Tender loyalty wallet. Recipients without an account
    will be guided through a short setup flow when they click their invitation link.
  </Accordion>

  <Accordion title="Can I cancel a disbursement?">
    Disbursements can be paused before all payments are processed. Already-sent payments cannot
    be reversed — Stellar transactions are final.
  </Accordion>

  <Accordion title="Is there a limit on the number of recipients?">
    Up to 10,000 recipients per disbursement. For larger campaigns, split across multiple
    disbursements.
  </Accordion>

  <Accordion title="What happens if a recipient doesn't claim?">
    The payment stays in `READY` state indefinitely until the recipient completes their
    registration and identity verification via the invitation link.
  </Accordion>
</AccordionGroup>