Request Parameters

Parameters Name	Requirement	Description
referenceKey	Mandatory	You will get from Initiate KYC for Remitter API
remitterId	Mandatory	Remitter Id of the Remitter
biometricData.rdsId	Mandatory	Returned by RD Service when using biometric authentication. RD Service Id.
biometricData.rdsVer	Mandatory	Returned by RD Service when using biometric authentication. RD Service version.
biometricData.ci	Mandatory	Returned by RD Service when using biometric authentication. Public key certificate identifier of UIDAI using which skey was encrypted.
biometricData.dc	Mandatory	Returned by RD Service when using biometric authentication. Registered Device code.
biometricData.dpId	Mandatory	Returned by RD Service when using biometric authentication. Device provider Id.
biometricData.hmac	Mandatory	Returned by RD Service when using biometric authentication. SHA -256 Hash of PID XML and then encrypted and base 64 encoded
biometricData.mc	Mandatory	Returned by RD Service when using biometric authentication. encrypted registered device public key certificate
biometricData.mi	Mandatory	Returned by RD Service when using biometric authentication. RD model Id.
biometricData.pidData	Mandatory	base-64 encoded encrypted pid block.
biometricData.sessionKey	Mandatory	Returned by RD Service when using biometric authentication. AES session key generated dynamically for every txn

Sample Request

POST /fi/remit/out/nepal/remitterEkycProcess HTTP/1.1
Host: api.instantpay.in
X-Ipay-Auth-Code: 1
X-Ipay-Client-Id: YWY3OTAzYzNlM2ExZTJlOfh549Gzt+5IEcETrD5Yx+Q=
X-Ipay-Client-Secret: 679db35f926b8d0240a8c0d28729528ee8e6d5effa5fa0b20c04454004d2d825
X-Ipay-Endpoint-Ip: 45.115.105.205
X-Ipay-Outlet-Id: 72762
Content-Type: application/json
Content-Length: 937

{

    "referenceKey":"IILE1h0069820a916-4421-4543-a84f-1312b71061d2",
    "remitterId" : "675738",
    "biometricData": {
        "rdsId":"MANTRA.WIN.001",
        "rdsVer":"1.0.6",
        "ci": "20250929",
        "dc": "04e901f3-e07b-4ac2-a93e-840dff421a49",
        "dpId": "MANTRA.MSIPL",
        "hmac": "ebABrIPUq26YpSSKPE3WRKuRmudQOyyEABdw7AxoQs1hvdKG6asEQifO1ARZcnv/",
        "mc": "",
        "mi": "MFS100",
        "pidData": "",
        "sessionKey": "mUVXN1gMHZDjYZm6IvwF2smPWzugshKUPw2zdKTfwZ9tQmD/TsUy8M6UBRSznO8FB2uWMeMpi98IO+uOxIpei/MhFSXCe6AbMvnSXPT/DJeYww8tWoEE5JhFLUFt5LPLCOvGGIEjTMhYwABh53ixvIm8/uG4KsDZgB6mfxEG02kL1ejFTIAk3ULlcLNNI4f01BKx5pc+2uWTKbZWDA+dCo0PTW+YQTMqXebsxVx7rKWi89j4kocgwHiE7ZR27Ee1IKK6sKlCq6xdUOvolQXTM/MZwkA4gZ41SrA4uFeyMr5vtTbIbErokWUIRXn7mjcBHrUqb2QPpRXaIzo3n9g/7A=="
    }
}

curl --location --request POST 'https://api.instantpay.in/fi/remit/out/nepal/remitterEkycProcess' \
--header 'X-Ipay-Auth-Code: 1' \
--header 'X-Ipay-Client-Id: YWY3OTAzYzNlM2ExZTJlOfh549Gzt+5IEcETrD5Yx+Q=' \
--header 'X-Ipay-Client-Secret: 679db35f926b8d0240a8c0d28729528ee8e6d5effa5fa0b20c04454004d2d825' \
--header 'X-Ipay-Endpoint-Ip: 45.115.105.205' \
--header 'X-Ipay-Outlet-Id: 72762' \
--header 'Content-Type: application/json' \
--data-raw '{
    "authenticationKey": "ADBD6C73-772C-4FB0-BA32-DA633A49531E-2A3A980A-0F8E-40E0-9FFD-13ACD5C81BC8",
    "referenceKey":"IILE1h0069820a916-4421-4543-a84f-1312b71061d2",
    "remitterId" : "675738",
    "biometricData": {
        "rdsId":"MANTRA.WIN.001",
        "rdsVer":"1.0.6",
        "ci": "20250929",
        "dc": "04e901f3-e07b-4ac2-a93e-840dff421a49",
        "dpId": "MANTRA.MSIPL",
        "hmac": "ebABrIPUq26YpSSKPE3WRKuRmudQOyyEABdw7AxoQs1hvdKG6asEQifO1ARZcnv/",
        "mc": "",
        "mi": "MFS100",
        "pidData": "",
        "sessionKey": "mUVXN1gMHZDjYZm6IvwF2smPWzugshKUPw2zdKTfwZ9tQmD/TsUy8M6UBRSznO8FB2uWMeMpi98IO+uOxIpei/MhFSXCe6AbMvnSXPT/DJeYww8tWoEE5JhFLUFt5LPLCOvGGIEjTMhYwABh53ixvIm8/uG4KsDZgB6mfxEG02kL1ejFTIAk3ULlcLNNI4f01BKx5pc+2uWTKbZWDA+dCo0PTW+YQTMqXebsxVx7rKWi89j4kocgwHiE7ZR27Ee1IKK6sKlCq6xdUOvolQXTM/MZwkA4gZ41SrA4uFeyMr5vtTbIbErokWUIRXn7mjcBHrUqb2QPpRXaIzo3n9g/7A=="
    }
}'

Response Parameter

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 )
enviroment	String	Live/Sandbox

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