post
https://api.instantpay.in/identity/creditScoreSimulator/scoreSimulation
The Bank List feature allows you to view and select from a comprehensive list of banks for performing transactions.
Whether you're adding a new beneficiary, transferring funds, or verifying details, this list ensures you can easily find the bank and corresponding information such as IFSC codes.
It simplifies the process of selecting the right bank, ensuring your transactions are routed correctly to the intended financial institution.
Recent Requests
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Headers Parameters
| Name | Type | Description | Mandatory (M) , Optional (O) | Provided by INSTANTPAY (Y/N) |
|---|---|---|---|---|
| X-Ipay-Auth-Code | String | Auth Code is 1 (Fixed) | M | Y |
| X-Ipay-Client-Id | String | Unique Client ID | M | Y |
| X-Ipay-Client-Secret | String | Unique secret key | M | Y |
| X-Ipay-Endpoint-Ip | String | End Customer IP Address | M | N |
| Parameter Name | Type | Requirement | Description |
|---|---|---|---|
| name | String | Mandatory | User's Name |
| mobileNumber | String | Mandatory | User Mobile Number |
| scenarioNo | String | Mandatory | Received in CS01 Response |
| dob | String | Mandatory | User's date of Birth |
| inquiryPurposeCode | String | Mandatory | Purpose of enquiry. Refer below table for details |
| gender | String | Mandatory | Gender of user. It will be M,F or T |
| address | Array | Mandatory | Address array of user |
| addressLine1 | String | Mandatory | Line 1 of user's address |
| addressLine2 | String | Optional | Line 2 of user's address |
| locality | String | Optional | Locality of the user |
| city | String | Optional | User's city |
| state | String | Mandatory | User's state of residence |
| postal | String | Mandatory | User's residence postal code |
| sanctionedAmount | String | Mandatory | Sanctioned Amount |
| overdueAmount | String | Mandatory | Overdue Amount |
| currentBalance | String | Mandatory | current balance |
| closeAccount | String | Mandatory | Whether the account is closed or not. It will be Y or N |
| increaseLimit | String | Mandatory | Increased Limit |
| utilization | String | Mandatory | Utilization to be done |
| taxIdNumber | String | Mandatory | User Pan Number |
| latitude | String | Mandatory | Latitude of the transaction |
| longitude | String | Mandatory | Longitude of the transaction |
| externalRef | String | Mandatory | Unique transaction ID to be entered by client |
Sample Request
curl --location 'https://api.instantpay.in/identity/creditScoreSimulator/scoreSimulation' \
--header 'X-Ipay-Endpoint-Ip: {{endpointIP}}' \
--header 'X-Ipay-Client-Id: {{clientId}}' \
--header 'X-Ipay-Client-Secret: {{clientSecret}}' \
--header 'X-Ipay-Auth-Code: 1' \
--header 'Content-Type: application/json' \
--data '{
"name": "RAHUL NEGI",
"mobileNumber": "9876543210",
"inquiryPurposeCode": "01",
"scenarioNo": "18488294",
"dob": "1990-12-27",
"gender": "M",
"address": {
"addressLine1": "B1/A5, MCIE",
"addressLine2": "",
"locality": "",
"city": "New Delhi",
"state": "MH",
"postal": "110076"
},
"sanctionedAmount": "1000",
"overdueAmount": "5000",
"currentBalance": "9000",
"closeAccount": "Y",
"increaseLimit": "2000",
"utilization": "10",
"taxIdNumber": "ABCDE1234F",
"latitude": "11.10",
"longitude": "26.91",
"externalRef": "1770811797"
}'POST /identity/creditScoreSimulator/scoreSimulation HTTP/1.1
Host: api.instantpay.in
X-Ipay-Endpoint-Ip: {{endpointIP}}
X-Ipay-Client-Id: {{clientId}}
X-Ipay-Client-Secret: {{clientSecret}}
X-Ipay-Auth-Code: 1
Content-Type: application/json
Content-Length: 688
{
"name": "RAHUL NEGI",
"mobileNumber": "9876543210",
"inquiryPurposeCode": "01",
"scenarioNo": "18488294",
"dob": "1990-12-27",
"gender": "M",
"address": {
"addressLine1": "B1/A5 MCIE ",
"addressLine2": "",
"locality": "",
"city": "New Delhi",
"state": "DL",
"postal": "110076"
},
"sanctionedAmount": "1000",
"overdueAmount": "5000",
"currentBalance": "9000",
"closeAccount": "Y",
"increaseLimit": "2000",
"utilization": "10",
"taxIdNumber": "ABCDE1234F",
"latitude": "11.10",
"longitude": "26.91",
"externalRef": "1770811797"
}Sample Response
{
"statuscode": "TXN",
"actcode": null,
"status": "Transaction Successful",
"data": {
"poolReferenceId": "1260211105621HXPCU",
"pool": {
"openingBal": "999.28",
"mode": "DR",
"amount": "20.00",
"closingBal": "979.28"
},
"scoreSimulationData": {
"decision": "Increase by 23 points"
}
},
"timestamp": "2026-02-11 16:26:21",
"ipay_uuid": "h000a10dd27c-c9d6-4276-8a57-53b7c2500e45-JUU0wSmMtXWq",
"orderid": "1260211105621HXPCU",
"environment": "SANDBOX",
"internalCode": null
}