Header Parameters

Name	Type	Description	Mandatory (M) , Optional (O)	Provided by INSTANTPAY (Y/N)
X-Ipay-Auth-Code	String	Auth Code -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

Request Parameters

Following are the parameters to be sent in the request body:

Parameters	Type	Mandatory (M) , Optional (O)	Description
pan	String	M	PAN number of End User
latitude	String	M	End customer Latitude.
longitude	String	M	End Customer Longitude.
externalRef	String	M	Your Unique Transaction id

Sample Request

curl --location --request POST 'https://api.instantpay.in/identity/verifyPanPlusV3' \
--header 'X-Ipay-Auth-Code: {{authCode}}' \
--header 'X-Ipay-Client-Id: {{clientId}}' \
--header 'X-Ipay-Client-Secret: {{clientSecret}}' \
--header 'X-Ipay-Endpoint-Ip: {{endPointIP}}' \
--header 'Content-Type: application/json' \
--data-raw '
{
    "pan": "AAOCS6XXXX",
    "externalRef": "12345",
    "latitude": "23.0000",
    "longitude": "45.0000"
}

POST /identity/verifyPanPlusV3 HTTP/1.1
Host: api.instantpay.in
X-Ipay-Auth-Code: {{authCode}}
X-Ipay-Client-Id: {{clientId}}
X-Ipay-Client-Secret: {{clientSecret}}
X-Ipay-Endpoint-Ip: {{endPointIP}}
Content-Type: application/json

{
    "pan": "AAOCS6028B",
    "externalRef": "12345",
    "latitude": "23.0000",
    "longitude": "45.0000"
}

Response Parameters

Name	Type	Description
statuscode	string	InstantPay Status Code
actcode	string	Action Code
status	string	Status message
data	array	Response Data (If Present)
timestamp	string	Current 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

Sample Response

{
    "statuscode": "TXN",
    "actcode": null,
    "status": "Transaction Successful",
    "data": {
        "externalRef": "1776937391",
        "poolReferenceId": "1260423094311NWTCF",
        "txnReferenceId": "019db9b8-d52c-8aaf-abaf-95f748d34471",
        "pool": {
            "account": "7505684294",
            "openingBal": "595.18",
            "mode": "DR",
            "amount": "2.36",
            "closingBal": "592.82"
        },
        "panPlusDataV3": {
            "panNumber": "ABCDE1234F",
            "userFullName": "Pan Holder Name",
            "firstName": "Pan",
            "middleName": "Holder",
            "lastName": "Name",
            "fatherName": "Father Name",
            "userDob": "25-12-XXXX"
        }
    },
    "timestamp": "2026-04-23 15:13:12",
    "ipay_uuid": "h000a19c8c32-7562-4892-90fc-b9c7cd553404-d1XpLkAWVYAj",
    "orderid": "1260423094311NWTCF",
    "environment": "SANDBOX",
    "internalCode": "Transaction Successful"
}

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