# JPMC-PDP Documentation from https://developer.payments.jpmorgan.com

# Initiate a Zelle® Disbursement request

In this tutorial, you'll learn how to use the Global Payments API to initiate a Zelle® Disbursement. After sending the request, you'll review a successful response and learn how to check the status of your request.

By the end of this tutorial, you'll know how to:

- Create a well-formed Zelle® Disbursements payment request payload.

- Interpret the values in a successful response.

- Use the endToEndId to check and confirm the status of your request.

## Before you begin

To use Zelle® Disbursements, you'll need the following:

- A [registered and fully onboarded Developer Account](/docs/quick-start) on the J.P. Morgan Payments Developer Portal.

- An active project that provides you with the credentials used to make a request.

- A bank account to perform a payment transaction.

## Create and send a Zelle® Disbursement request payload

Request payloads for the Global Payments API have optional and [required fields](/docs/treasury/global-payments/capabilities/global-payments/zelle-disbursements/payment-parameters). The following example shows the suggested payload for a Zelle® Disbursement request in the United States:

```json
{
  "payments": {
    "requestedExecutionDate": "2025-05-08",
    "paymentIdentifiers": {
      "endToEndId": "ZELLETESTABC"
    },
    "paymentCurrency": "USD",
    "paymentAmount": 0.1,
    "transferType": "CREDIT",
    "debtor": {
      "debtorName": "John Doe",
      "debtorAccount": {
        "accountId": "123456789"
      }
    },
    "debtorAgent": {
      "financialInstitutionId": {
        "bic": "CHASUS33"
      }
    },
    "creditor": {
      "creditorName": "Jane Doe",
      "creditorAccount": {
        "accountType": "ZELLE",
        "alternateAccountIdentifier": "Jane.Doe@example.com",
        "schemeName": {
          "proprietary": "EMAL"
        }
      }
    }
  }
}
```

## Confirm response

You'll receive a successful response containing a `firmRootId` and an `endToEndId`. You can use these values in the next step to [retrieve the status of your request](/docs/treasury/global-payments/capabilities/global-payments/zelle-disbursements/how-to/get-zelle-status-request).

```json
{
    "paymentInitiationResponse": {
        "firmRootId": "107c46c4-f99f-47ba-9a3f-4594fa567ef8",
        "endToEndId": "ZELLETESTABC XR202109202311354152"
    }
}
```

You may encounter several error responses at this stage. We recommend checking the [error codes](/api/treasury/global-payments/global-payments/error-codes) section to understand supported responses. If you need additional support, contact your Client Service Account Manager.

## Payment initiation callback

Clients can opt to receive callback responses for their payment initiations. Callbacks provide additional details about the status of your request..

### Successful callback example

```json
{
  "callbacks": [
    {
      "endToEndId": " ZELLETESTABC ",
      "createDateTime": "2025-05-08T17:18:26.096Z",
      "paymentStatus": "COMPLETED",
      "firmRootId": “107c46c4-f99f-47ba-9a3f-4594fa567ef8"
    }
  ]
}
```

### Rejected callback example

```json
{
  "callbacks": [
    {
      "endToEndId": "EDZRLHRQ0WQXYYZ",
      "createDateTime": "2025-05-08T20:01:23.900Z",
      "paymentStatus": "REJECTED",
      "firmRootId": "2205f1d6-2fbb-49cc-be7e-b99cd245zzyy",
      "exceptions": [
        {
          "errorCode": "10001",
          "errorDescription": "Error occurred on /creditor/creditorAccount/accountId or /creditor/creditorAccount/alternateAccountIdentifier",
          "ruleDefinition": "Mandatory field is missing or invalid"
        }
      ]
    }
  ]
}
```

## Next steps

- Learn how to [retrieve the status of your request](/docs/treasury/global-payments/capabilities/global-payments/zelle-disbursements/how-to/get-zelle-status-request).

- Understand required [payment parameters](/docs/treasury/global-payments/capabilities/global-payments/zelle-disbursements/payment-parameters).

- Review our table of potential [error codes](/api/treasury/global-payments/global-payments/error-codes).