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
amount	String	Amount to be transfered
referenceKey	String	Reference key to be pass in transaction API.

Sample Request

curl --location 'https://api.instantpay.in/fi/remit/out/domestic/v2/generateTransactionOtp' \
--header 'X-Ipay-Endpoint-Ip: 49.249.72.66' \
--header 'X-Ipay-Client-Id: {{clientId}}' \
--header 'X-Ipay-Client-Secret: {{clientSecret}}' \
--header 'X-Ipay-Auth-Code: 1' \
--header 'Content-Type: application/json' \
--data '{
    "remitterMobileNumber": "9876543210",
    "amount": "10.00",
    "referenceKey": "RjBaRH1pCoFQ3e7CSHxeeTHss/3AunsfDnYOXJMroyO6SxVxYhF3DouYsXSiwlM0"
}'

POST /fi/remit/out/domestic/v2/generateTransactionOtp HTTP/1.1
Host: api.instantpay.in
X-Ipay-Endpoint-Ip: 49.249.72.66
X-Ipay-Client-Id: {{clientId}}
X-Ipay-Client-Secret: {{cliebtSecret}}
X-Ipay-Auth-Code: 1
Content-Type: application/json
Content-Length: 155

{
    "remitterMobileNumber": "9876543210",
    "amount": "10.00",
    "referenceKey": "RjBaRH1pCoFQ3e7CSHxeeTHss/3AunsfDnYOXJMroyO6SxVxYhF3DouYsXSiwlM0"
}

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": {
        "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
}