post
https://api.instantpay.in/identity/mobile/accountLookup
Fetch Bank Accounts and UPI VPA from mobile number.
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| Time | Status | User Agent | |
|---|---|---|---|
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Header 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 Provided by Instantpay | M | Y |
| X-Ipay-Client-Secret | String | Unique Client Secret Provided by Instantpay | M | Y |
| X-Ipay-Endpoint-Ip | String | End customer IP Address | M | N |
Request Parameter
| Parameter Name | Type | Requirement | Description |
|---|---|---|---|
| mobileNumber | String | Mandatory | Bank Account linked mobile number |
| externalRef | String | Mandatory | Unique Transaction Id |
| consent | String | Mandatory(Y or N) | Consent should be accepted by customer |
| latitude | String | Mandatory | End Customer Latitude. |
| longitude | String | Mandatory | End Customer longitude. |
Sample Request
curl --location 'https://api.instantpay.in/identity/mobile/accountLookup' \
--header 'X-Ipay-Auth-Code: 1' \
--header 'X-Ipay-Client-Id: YWY3OTAzYzNlM2ExZTJlOfh549GzXXXX' \
--header 'X-Ipay-Client-Secret: 82e4755d7c1cf636816addfe1460936d7b64612208df8XXX' \
--header 'X-Ipay-Endpoint-Ip: 14.142.186.142' \
--header 'Content-Type: application/json' \
--data '{
"mobileNumber": "9876543211",
"consent": "Y",
"externalRef": "1758870994",
"latitude": 0.99,
"longitude": 38
}'POST /identity/mobile/accountLookup HTTP/1.1
Host: api.instantpay.in
X-Ipay-Auth-Code: 1
X-Ipay-Client-Id: YWY3OTAzYzNlM2ExZTJlOfh549Gzt+5XXXXXXXXX
X-Ipay-Client-Secret: 82e4755d7c1cf636816addfe1460936d7b64612208df8XXX
X-Ipay-Endpoint-Ip: 14.142.186.142
Content-Type: application/json
Content-Length: 112
{
"mobileNumber": "9876543211",
"consent": "Y",
"externalRef": "1758870994",
"latitude": 0.99,
"longitude": 38
}Response Parameter
| Parameter Name | Type | Description |
|---|---|---|
| statuscode | String | Instantpay Status Code |
| actcode | String | Action Code |
| status | String | Status message |
| data | Array | Response Data(if Present) |
| timestamp | String | Response time (YYYY-MM-DD HH:II:SS) |
| ipay_uuid | String | Request reference number |
| orderid | String | Transaction Id(if transaction otherwise it is null) |
| environment | String | Live/Sandbox |
| internalCode | String | It will be null |
Sample Response
{
"statuscode": "TXN",
"actcode": null,
"status": "Transaction Successful",
"data": {
"accountData": {
"vpa": "98765433211@ybl",
"accountHolderName": "Mr MARUTHI",
"accountNumber": "61741012345",
"accountIfsc": "IDIB000U008",
"amountDeposited": "0.00",
"bankName": "INDIAN BANK",
"bankBranch": "HALASURU",
"bankAddress": "NO 55/3 CAR STREET ULSOOR HALASURU ULSOOR) PIN 56000 KARNATAKA 8"
},
"poolReferenceId": "1250926144528BNGYT",
"pool": {
"openingBal": "16.79",
"mode": "DR",
"amount": "0.00",
"closingBal": "16.79"
}
},
"timestamp": "2025-09-26 14:45:28",
"ipay_uuid": "h0009ff8129a-439b-496e-95c2-bfcf367b6276-U5OwKORFjooF",
"orderid": "1250926144528BNGYT",
"environment": "LIVE",
"internalCode": null
}