Headers 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-Outlet-Id	String	Merchant unique ID	M	Y
X-Ipay-Endpoint-Ip	String	End Customer IP Address	M	N

Request Parameters

Parameters	Type	Description
beneficiaryMobileNumber	String	Beneficiary Mobile Number
remitterMobileNumber	String	Remitter Mobile Number
accountNumber	String	Bank Account Number
ifsc	String	Ifsc Code
bankId	String	Bank Id. You will get from Bank List API
name	String	Beneficary Name

Sample Request

curl --location 'https://api.instantpay.in/fi/remit/out/domestic/v2/beneficiaryRegistration' \
--header 'X-Ipay-Client-Id: {{clientId}}' \
--header 'X-Ipay-Client-Secret: {{clientSecret}}' \
--header 'X-Ipay-Auth-Code: 1' \
--header 'User-Agent: {{userAgent}}' \
--header 'Content-Type: application/json' \
--data '{
    "beneficiaryMobileNumber" : "9876543210",
    "remitterMobileNumber":"9876543210",
    "accountNumber":"{{accountNumber}}",
    "ifsc":"{{ifsc}}",
    "bankId": "{{bankId}}",
    "name": "ABC"
}'

POST /fi/remit/out/domestic/v2/beneficiaryRegistration HTTP/1.1
Host: api.instantpay.in
X-Ipay-Client-Id: {{clientId}}
X-Ipay-Client-Secret: {{clientSecret}}
X-Ipay-Auth-Code: 1
User-Agent: {{userAgent}}
Content-Type: application/json
Content-Length: 200

{
    "beneficiaryMobileNumber" : "9876543210",
    "remitterMobileNumber":"9876543210",
    "accountNumber":"{{accountNumber}}",
    "ifsc":"{{ifsc}}",
    "bankId": "{{bankId}}",
    "name": "ABC"
}

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": "OTP",
    "actcode": null,
    "status": "OTP Successfully sent",
    "data": {
        "beneficiaryId": "80bdd0f178f21016e4711765770dc91c",
        "validity": "2025-12-16 17:49:19",
        "referenceKey": "TcTkLK9J+Oyz1rpbTDbDrHGZ7rFtOOpQY4lYINGnPlpUGn2u6WludIqrhCzb7O8G"
    },
    "timestamp": "2025-12-16 17:34:19",
    "ipay_uuid": "h000a09b40b3-a510-4feb-ae21-86c5f2c83779-4DbyTgDsBBL0",
    "orderid": null,
    "environment": "LIVE",
    "internalCode": null
}