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Customer payments don’t hit your bank account one by one. Nickel batches them into disbursements — one transfer to your bank account on file, covering one or more payments. This guide shows how to know when a deposit is coming, what’s in it, and how to reconcile it against your books.
Before you start: You need a paid invoice to follow — see Send an Invoice and Get Paid — and a webhook subscription if you want to be notified instead of polling.
1

Check when a payment will pay out

Every payment carries its own payout expectations. Fetch it with GET /payment/{paymentId} and look at two fields:
{
  "id": "cmr9zvqgk000csf025pyi3qfi",
  "status": "SUCCEEDED",
  "amountInCents": 12055,
  "estimatedDisbursementDate": "2026-07-08",
  "disbursement": null,
  ...
}
estimatedDisbursementDate is when Nickel expects to send the money to your bank. disbursement stays null until the payment is actually included in a transfer — then it carries the disbursement’s id and status, which is your key for everything below.
2

Listen for disbursement events

Two webhook events track each transfer:
EventMeaning
disbursement.pendingThe disbursement was created and is on its way to your bank account on file.
disbursement.succeededThe receiving bank has the funds. Depending on your bank’s turnaround, it may take a little longer to appear in your account.
The event payload contains the disbursement’s ID in associated_object_id — fetch the details next.
3

Fetch the disbursement

Get the full picture with GET /disbursement/{disbursementId}. The response shape (illustrative values):
{
  "id": "clrv6k8y80003wq02x36efjnv",
  "status": "PENDING",
  "amountInCents": 23935,
  "bankName": "JP Morgan Chase",
  "accountNumberLastFour": "4321",
  "paymentIds": [
    "cmr9zvqgk000csf025pyi3qfi",
    "cmr9wq2hx0007sf02b8u1n3vd"
  ],
  "createdAt": "2026-07-08",
  "paidAt": null
}
amountInCents is the total landing in your account — the deposit line on your bank statement. paymentIds lists every payment bundled into this transfer, and paidAt fills in once the money has been received.
4

Reconcile against your books

To itemize a deposit, walk paymentIds and fetch each payment:
curl https://rest.staging.nickel.com/payment/cmr9zvqgk000csf025pyi3qfi \
  -H "Authorization: Bearer $NICKEL_SANDBOX_KEY"
Each payment gives you the invoice it settles (paymentLinkId), the invoice amount (amountInCents), and the fees involved (fees, platformFeeInCents) — everything you need to match the single bank deposit back to individual invoices in your accounting system.

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Things that trip people up

  • disbursement.succeeded doesn’t mean “visible in your account”. It means the receiving bank has the funds; your bank’s posting time adds a delay on top.
  • One deposit, many invoices. Never assume a bank deposit maps to one payment — always itemize through paymentIds.
  • ACH returns can claw money back after payout. If an ACH payment is returned up to 60 days later (the payment moves to FAILED), and it was already paid out, Nickel debits the return amount back. See How Payments Work.

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Where to go next

Webhook events

Subscribe to disbursement.pending and disbursement.succeeded.

Refund or void a payment

What giving money back does to your payouts.