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	Mandatory (M) , Optional (O)	Description
remitterMobileNumber	String	M	Mobile Number of Remitter
accountNumber	String	M	Account Number of the Beneficiary
ifsc	String	M	Modes can be IMPS,NEFT or RTGS
transferMode	String	M	Modes can be IMPS or NEFT
transferAmount	String	M	Amount to be transferred
latitude	String	M	Current location latitude
longitude	String	M	Current location longitude
referenceKey	String	M	Reference Key received in Generate transaction OTP response
otp	String	M	OTP received on Mobile Number
externalRef	String	M	Your unique transaction Id

📘
Note:
Click here for guidelines for entering data in latitude/ longitude parameter.

Sample Request

curl --location 'https://api.instantpay.in/fi/remit/out/domestic/v2/transaction' \
--header 'X-Ipay-Endpoint-Ip: 14.142.186.142' \
--header 'X-Ipay-Client-Id: YWY3OTAzYzNlM2xxxxxxxxxxxxcETrD5Yx+Q=' \
--header 'X-Ipay-Client-Secret: 82e4755d7c1cf636816xxxxxxxxxxxxxxxxxxx3000aa5b56fc926d1' \
--header 'X-Ipay-Auth-Code: 1' \
--header 'X-Ipay-Outlet-Id: 72762' \
--header 'Content-Type: application/json' \
--data '{
    "remitterMobileNumber":"9876543210",
    "accountNumber":"325951041123",
    "ifsc":"SBIN0000001",
    "transferMode":"IMPS",
    "transferAmount":"10.00",
    "latitude":"28.5093",
    "longitude":"77.2973",
    "referenceKey": "oyG2B/5LE7E+T918OByESTgxHJ78uTvv+hrzwRjAzs4C2C5MTFv5K2WUlnvePTz+.v2.3738a4095d25300b-213b-4e24-be9a-d58d64cc9e80",
    "otp":315662,
    "externalRef":"1730801031"
}'

POST /fi/remit/out/domestic/v2/transaction HTTP/1.1
Host: api.instantpay.in
X-Ipay-Endpoint-Ip: 14.142.186.142
X-Ipay-Client-Id: YWY3OTAzYzNxxxxxxxxxxxxxxxEcETrD5Yx+Q=
X-Ipay-Client-Secret: 82e4755d7c1cfxxxxxxxxxxxxxxxxxxxxxxxx3000aa5b56fc926d1
X-Ipay-Auth-Code: 1
X-Ipay-Outlet-Id: 72762
Content-Type: application/json
Content-Length: 451

{
    "remitterMobileNumber":"9876543210",
    "accountNumber":"325951041123",
    "ifsc":"SBIN0000001",
    "transferMode":"IMPS",
    "transferAmount":"10.00",
    "latitude":"28.5093",
    "longitude":"77.2973",
    "referenceKey": "oyG2B/5LE7E+T918OByESTgxHJ78uTvv+hrzwRjAzs4C2C5MTFv5K2WUlnvePTz+.v2.3738a4095d25300b-213b-4e24-be9a-d58d64cc9e80",
    "otp":315662,
    "externalRef":"1730801076"
}

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	Response 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/Sandbox

Sample Response

{
    "statuscode": "TXN",
    "actcode": null,
    "status": "Transaction Successful",
    "data": {
        "externalRef": "1730792303",
        "poolReferenceId": "1241105130825DLWAK",
        "txnValue": "10.00",
        "txnReferenceId": "431013704887",
        "pool": {
            "account": "9876543210",
            "openingBal": "32.12",
            "mode": "DR",
            "amount": "15.95",
            "closingBal": "16.17"
        },
        "remitterMobile": "9876543210",
        "beneficiaryAccount": "325951041234",
        "beneficiaryIfsc": "SBIN0000001",
        "beneficiaryName": "Instantpay India Ltd"
    },
    "timestamp": "2024-11-05 13:08:28",
    "ipay_uuid": "h0009d6a260b-44c0-4768-a7b2-0ffae7d2126c-5Ofm5Yev7azK",
    "orderid": "1241105130825DLWAK",
    "environment": "LIVE",
    "internalCode": null
}

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Important Information
Consider the Transaction as Pending when you get No Response or Timeout Response and then check the status of the transactions through Transaction Status API.

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Info :
If the actcode is OTPGENREF and the transaction was declined due to an invalid OTP, please initiate the transaction process again.

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