Credit Cards

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

📘
Info :
Click Here to know how to get the Credentials.

Request Parameters

Parameter Name	Type	Requirement	Description
payer	Array	Mandatory	Payer details
payer.bankProfileId	String	Mandatory	Unique Bank Profile Id
payer.accountNumber	String	Mandatory	Instantpay Registered Mobile Number
payee	Array	Mandatory	Payee details
payee.name	String	Mandatory	Account Holder Name
payee.accountNumber	String	Mandatory	Credit Card Number
transferMode	String	Mandatory	Modes Will be CREDITCARD
transferAmount	String	Mandatory	Amount to be transferred
externalRef	String	Mandatory	Your unique transaction Id
latitude	String	Mandatory	End Customer Latitude.
longitude	String	Mandatory	End Customer Longitude.
Remarks	String	Optional	Payment Remarks
alertEmail	String	Optional	End User email for alert

Sample Request

curl --location --request POST 'https://api.instantpay.in/payments/payout' \
--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 '{
    "payer" : {
        "bankProfileId" : "0",
        "accountNumber" : "9999999999"
    },
    "payee" : {
        "name" : "ABC ZYX",
        "accountNumber" : "538787667671678"
    },
    "transferMode" : "CREDITCARD",
    "transferAmount" : "5.00",
    "externalRef" : "BILLPAY1",
    "latitude" : "20.**36",
    "longitude" : "78.**28",
    "remarks" : "Credit Card BILL",
    "alertEmail" : ""
}'

POST /payments/payout 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
{
"payer" : {
        "bankProfileId" : "0",
        "accountNumber" : "9999999999"
    },
    "payee" : {
        "name" : "ABC ZYX",
        "accountNumber" : "538**********78"
    },
    "transferMode" : "CREDITCARD",
    "transferAmount" : "5.00",
    "externalRef" : "BILLPAY1",
    "latitude" : "20.**36",
    "longitude" : "78.**28",
    "remarks" : "Credit Card BILL",
    "alertEmail" : ""
}

Response Parameters

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": {
            "externalRef": "TX1223323",
            "poolReferenceId": "122031XXXXXXXXAWFQ",
            "txnValue": "4.00",
            "txnReferenceId": "00",
            "pool": {
                "account": "9999999999",
                "openingBal": "3697.27",
                "mode": "DR",
                "amount": "9.90",
                "closingBal": "3687.37"
            },
            "payer": {
                "account": "9999999999",
                "name": "ABC ENTERPRISES"
            },
            "payee": {
                "account": "3798XXXXXXXX2004",
                "name": ""
            }
        },
        "timestamp": "2022-03-15 18:08:13",
        "ipay_uuid": "h00595d34e99-1646-4838-93bc-8ab6ca4d8f06",
        "orderid": "12203**********WFQ",
        "environment": "LIVE",
        "internalCode": null

}

❗️
Note :
1 - Latitude and Longitude must be represented in degrees with 4 digits after decimal.
2- externalRef must be unique and in alpha numeric characters.
3- Remarks should be in alphabet and it can be of maximum 20 characters.
4- Consider the Transaction as Pending when you get No Response or Timeout Response and then check the status of the transactions through Transaction Status API.

📘
Note :
Before initiating Credit Card Payment verify the card details through Card BIN Checker API. Click Here for API Documents.