Bulk Transfer

Bulk Disbursement in BRICK enables businesses to transfer funds to multiple beneficiaries in a single batch process.

Use Cases

1. Payroll distribution
   Send monthly salaries to many employees in one batch upload (one file → many transfers), with per-employee status tracking and downloadable reports for reconciliation.

2. Vendor payments
   Pay multiple suppliers/partners on the same cycle (weekly/monthly) using a single batch, reducing manual bank transfers and ensuring consistent payment records.

3. Cashback / incentives
   Distribute cashback, promotions, referral rewards, or campaign incentives to large customer lists, with unique reference IDs for audit and tracking.

4. Loan disbursement
   Disburse loans to multiple borrowers at once (e.g., daily approvals), with clear success/failed status per borrower and retry via failed-only re-upload.

5. Mass payouts
   Handle high-volume payouts such as creator payouts, gig-worker payouts, refunds, claims, or tournament rewards—processed asynchronously with callback updates and exportable reports.

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User Guideline

Step 1 - Batch Creation

1. User navigates to Disbursement → Bulk Disbursement

2. Fill batch details from bulk transfer template:

2. Upload bulk file (CSV/XLSX)
3. System saves batch as Draft.

Step 2 - File Validation

After file upload, system performs:

A. Format Validation
• Required columns check
• File structure validation

B. Data Validation
• Mandatory fields
• Duplicate reference check
• Amount > 0
• Bank code validity
• Account number format

C. Balance Check
• Sufficient wallet balance

D. (Optional) Account Validation
• Bank Account Verification (BAV)

Result:

If failed → Batch remains Draft

If passed → Status becomes Validated

Step 3 - Confirmation

1. User reviews:

• Total records
• Valid / failed records
• Total amount

2. Click Confirm

Step 4 - Processing

If Maker–Checker enabled: Status → Waiting for Approval (Transfer Request Sent)

If no approval required: Status → Approved (Transfer being Processed)