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
remitterMobileNumber	String	Remitter Mobile Number
referenceKey	String	referenceKey received in beneficiary registration response
otp	String	OTP received on Remitter Mobile number
beneficiaryId	String	beneficiaryId received in beneficiary registration response

Sample Request

POST /fi/remit/out/domestic/v2/beneficiaryRegistrationVerify HTTP/1.1
Host: api.instantpay.in
X-Ipay-Endpoint-Ip: 49.249.72.66
X-Ipay-Client-Id: {{clientId}}
X-Ipay-Client-Secret: 82e4755d7c1cf636816addfe1460936d7b64612208df87f3000aa5b56fc926d1
X-Ipay-Auth-Code: 1
X-Ipay-Outlet-Id: 72762
Content-Type: application/json
Content-Length: 210


{
    "remitterMobileNumber": "9876543210",
    "otp" : 815712,
    "beneficiaryId": "80bdd0f178f21016e4711765770dc91c",
    "referenceKey": "TcTkLK9J+Oyz1rpbTDbDrHGZ7rFtOOpQY4lYINGnPlpUGn2u6WludIqrhCzb7O8G"
}

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
}