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
}