Initiate seamless payouts to your customers, vendors, and employees directly from your bank account using UPI VPA. Simplify your financial operations with instant, secure, and hassle-free transactions, ensuring timely disbursements with just a few clicks.
Whether it's managing payroll, vendor settlements, or customer refunds, our UPI-powered solution integrates effortlessly with your existing banking system, enabling you to handle bulk payouts efficiently.
Say goodbye to manual processes and paperwork, and enjoy fast, reliable, and transparent payments that keep your business running smoothly.
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
| 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 | Account Number of End User |
| payee.bankIfsc | String | Optional | IFS Code |
| transfer | Array | Mandatory | Transfer details |
| transferMode | String | Mandatory | Mode Will Be UPI |
| transferAmount | String | Mandatory | Amount to be transferred |
| externalRef | String | Mandatory | Your unique transaction Id |
| latitude | String | Mandatory | End User Latitude. |
| longitude | String | Mandatory | End User Longitude. |
| Remarks | String | Optional | Payment Remarks |
| alertEmail | String | Optional | Email Id of end User. If passing the email then Instantpay will send the email notification. |
| purpose | String | Optional | Purpose of transaction : SALARY REIMBURSEMENT BONUS INCENTIVE CUSTOMER_REFUND OTHERS |
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": "7428585742"
},
"payee": {
"name": "Instantpay India Ltd",
"accountNumber": "ipay.105964@icici",
"bankIfsc": ""
},
"transferMode": "UPI",
"transferAmount": "5.00",
"externalRef": "IMPS1",
"latitude": "20.1226",
"longitude": "78.1228",
"remarks": "UPI Payment",
"alertEmail": "",
"purpose": ""
}'
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": "7428585742"
},
"payee": {
"name": "Instantpay India Ltd",
"accountNumber": "ipay.105964@icici",
"bankIfsc": ""
},
"transferMode": "UPI",
"transferAmount": "5.00",
"externalRef": "IMPS1",
"latitude": "20.1226",
"longitude": "78.1228",
"remarks": "UPI Payment",
"alertEmail": "",
"purpose": ""
}
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": "IMPS1",
"poolReferenceId": "1231214070644TLWAP",
"txnValue": "1000",
"txnReferenceId": "1323896541",
"pool": {
"account": "7428585742",
"openingBal": "5.17",
"mode": "DR",
"amount": "3.46",
"closingBal": "1.71"
},
"payer": {
"account": "7428585742",
"name": "Sample Name"
},
"payee": {
"account": "ipay.105964@icici",
"name": "Instantpay India Ltd"
}
},
"timestamp": "2021-11-12 16:56:50",
"ipay_uuid": "h00695deb945-3def-42ba-8857-2ff7bac93fe6",
"orderid": "1211112165649WFTYK",
"environment": "LIVE",
}
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- Purpose are Case Sensitive.
5- 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.
Info :
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