Operation Disbursement
The disbursement of an operation is the release of funds originating from the credit contract. At QI Tech, the disbursement method follows the credit product configurations as specified in the disbursement settings.
By default, operations are disbursed via PIX to the account sent for the operation, but there are five options that can be selected:
1- Pix with account information;
2- Pix with key;
3- TED;
4- QR code Pix;
5- Boleto;
They have specific fields and are detailed in the "disbursement_bank_accounts" key of the contract issuance.
QI Tech's disbursement routine runs every minute, checking if all requirements configured for the product have been met for that specific contract and changing its status.
Disbursement Requirements
- Disbursement date
The operation's credit contract is only disbursed on the date defined as "disbursement_date".
- Credit contract issued and signed
The operation's credit contract must be issued and signed.
- Collateral established
In the case of operations that require guarantees, the collateral must be established for the disbursement to proceed.
- Disbursement approval
If the "disbursement approval" configuration is active, the contract will only be disbursed after the approval API call.
- Operations with down payment need to be paid
If the created operation has a down payment parameter, disbursement only occurs after payment and financial settlement in the QI Tech system.
- Limit alignment
It is necessary that available credit limit exists for the operation to be disbursed.