List of Merchant onboarded through the Merchant Onboarding APIs
| Time | Status | User Agent | |
|---|---|---|---|
Retrieving recent requests… | |||
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 |
| X-Ipay-Outlet-Id | String | Merchant unique ID | M | Y |
Request Parameters
| Parameters | Type | Mandatory (M) , Optional(O) | Description |
|---|---|---|---|
| spKey | String | M | Service key ( DMI or WAP) DMI for DMT WAP for AePS |
Request Parameters
curl --location --request POST 'https://api.instantpay.in/user
/outlet/signup/biometricKycStatus' \
--header 'Accept: application/json' \
--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 'X-Ipay-Outlet-Id: {{outletId}}' \
--header 'Content-Type: application/json' \
--data-raw '{
"spkey": "DMI"
}'POST /user
/outlet/signup/biometricKycStatus HTTP/1.1
Host: api.instantpay.in
Accept: application/json
X-Ipay-Auth-Code: {{authCode}}
X-Ipay-Client-Id: {{clientId}}
X-Ipay-Client-Secret: {{clientSecret}}
X-Ipay-Endpoint-Ip: {{endPointIP}}
X-Ipay-Outlet-Id: {{outletId}}
Content-Type: application/json
{
"spKey": "DMI"
}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": "Biometric authentication required",
"data": {
"outletId": null,
"outletAadhaarNumber": "XXXX-XXXX-9262",
"action": "ACTION-REQUIRED",
"status": "PENDING",
"isFaceAuthAvailable": false,
"isBiometricKycMandatory": false,
"pidOptionWadh": "E0jzJ/P8UopUHAieZn8CKqS4WPMi5ZSYXgfnlfkWjrc=",
"referenceKey": "qgvE86a9iLnUDjF+QICtLQYdUQP3rTipRtxaE9T6IcpEeO6ifmZV+7QA28rp9gFp",
"referenceKeyType": "OutletBiometicKyc"
},
"timestamp": "2025-11-12 12:33:50",
"ipay_uuid": "h000a0566fc7-c799-48ac-b89a-ebdce602bc7d-28rzhjPMnPK2",
"orderid": null,
"environment": "LIVE"
}Note :
If action is ACTION-REQUIRED then initiate the Merchant Biometric KYC.
If action is NO-ACTION-REQUIRED then Merchant biometric kyc is successfully done.
If outletAadhaarNumber contains the last 4 digits of the Aadhaar, then in the Merchant Biometric KYC, encryptedAadhaar is optional.
However, if outletAadhaarNumber is empty, then encryptedAadhaar becomes mandatory and should contain the merchant’s Aadhaar number.
Note :
If the status is PENDING or APPROVAL_PENDING, it indicates that the approval is still pending at the bank’s end. To fetch the latest status, call the Biometric Status API at 30-minute intervals.
If the status is APPROVED, it means the outlet has been approved by the bank and is now eligible to initiate transactions.