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

Request Parameters

Name	Type	Description
ipayId	String	Instantpay OrderID that need to be refunded

Sample Request

curl --location 'https://api.instantpay.in/fi/remit/out/domestic/v2/transactionRefundOtp' \
--header 'X-Ipay-Endpoint-Ip: 14.142.186.142' \
--header 'X-Ipay-Client-Id: {{clientID}}' \
--header 'X-Ipay-Client-Secret: {{clientSecret}}' \
--header 'X-Ipay-Auth-Code: 1' \
--header 'X-Ipay-Outlet-Id: 525216' \
--header 'Content-Type: application/json' \
--data '{
    "ipayId":"1260113092551HCQRL"
}'

POST /fi/remit/out/domestic/v2/transactionRefundOtp HTTP/1.1
Host: api.instantpay.in
X-Ipay-Endpoint-Ip: 14.142.186.142
X-Ipay-Client-Id: {{clientId}}
X-Ipay-Client-Secret: {{clientSecret}}
X-Ipay-Auth-Code: 1
X-Ipay-Outlet-Id: 525216
Content-Type: application/json
Content-Length: 37

{
    "ipayId":"1260113092551HCQRL"
}

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": "2026-02-11 10:17:12",
        "referenceKey": "nMSrZHVqitifXYPQmWeQV3ig6yg+ZZupZuySWHwtPM3+peB7+YcpK/Du9/LMjFNc"
    },
    "timestamp": "2026-02-11 10:02:12",
    "ipay_uuid": "h000a10d491a-c53f-4dac-9895-0546e0f4f009-uGLawMvE4AMJ",
    "orderid": null,
    "environment": "LIVE",
    "internalCode": null
}

📘
This OTP API call needs to be triggered only when the Remittance transaction is pending and the optional7 field contains ReversalAuthorisationRequired in the Statement or Status check API response.