403 trying to access Disbursement List endpoint, but payment configuration list 200

Trying to get a list of disbursement transactions from the API with a new application.

  • GET to /payments/v1/paymentconfigurations returns 200 response with an active, live payment configuration.
  • GET to disbursement list endpoint returns 200 via "Try It" Sky Console API.
  • GET to disbursement list endpoint in my code returns a 403.
    • Pattern: same Bearer + Payments key works for configs but not disbursements → Payments API entitlement on ListDisbursements
  • User created with Payments API role (all endpoints). Same user used to authorize the app.

OAuth scope is currently set and authorized as Full Access. What would explain this discrepancy between the Try Me (Sky console API) app getting access, but my application still failing?

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