Send Funds to a Merchant

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Original description

Guides developers through sending (disbursing) funds to a merchant via the Payroc Funding API — including checking available balance before disbursement and creating, tracking, updating, or cancelling funding instructions (/v1/funding-instructions). Use this skill when the user wants to disburse or send funds to a merchant, create a funding instruction, pay out a merchant, distribute merchant balances, implement an ACH payout to a merchant's bank account, perform merchant settlement disbursement, batch-fund multiple merchants in a single instruction, update a pending funding instruction, delete or cancel a funding instruction, or manage the /v1/funding-instructions endpoint (POST, GET, PUT, DELETE). Also use when the user asks about idempotency keys for funding instructions, tracking instruction status (accepted/pending/completed/funded), or checking available balance specifically as a prerequisite for disbursing funds. Do NOT use for setting up or registering a new funding recipient or funding account (use the set-up-a-funding-recipient skill), or for viewing funding activity history, balance reports, or funding balances without the intent to disburse (use the view-funding-activity skill).