post
https://api.instantpay.in/fi/remit/out/domestic/v2/generateTransactionOtp
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referenceKey received in Remitter Profile response## 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 | referenceKey received in Remitter Profile response |
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
}