post
https://api.instantpay.in/fi/uatm/generateQr
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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 Client Secret | M | Y |
| X-Ipay-Outlet-Id | String | Merchant Unique ID | M | Y |
| X-Ipay-Endpoint-Ip | String | End Customer IP Address | M | N |
Sample Request Parameters
| Name | Type | Mandatory (M) , Optional (O) | Description |
|---|---|---|---|
| latitude | String | M | Current location latitude |
| longitude | String | M | Current location longitude |
| mobile | String | M | User Mobile no |
| amount | String | M | Amount to be withdrawn |
| externalRef | String | M | Unique Transaction Id |
Sample Request
curl --location 'https://api.instantpay.in/fi/uatm/generateQr' \
--header 'X-Ipay-Auth-Code: 1' \
--header 'X-Ipay-Client-Id: {{clientId}}' \
--header 'X-Ipay-Client-Secret: {{clientSecret}}' \
--header 'X-Ipay-Endpoint-Ip: 127.0.0.1' \
--header 'X-Ipay-Outlet-Id: {{outletId}}' \
--header 'Content-Type: application/json' \
--data '{
"latitude": "28.50937",
"longitude": "77.29727",
"mobile" : "7845681234",
"amount" : "100",
"externalRef" : "177616676341"
}'POST /fi/uatm/generateQr HTTP/1.1
Host: api.instantpay.in
X-Ipay-Auth-Code: 1
X-Ipay-Client-Id: {{clientId}}
X-Ipay-Client-Secret: {{clientSecret}}
X-Ipay-Endpoint-Ip: 127.0.0.1
X-Ipay-Outlet-Id: {{outletId}}
Content-Type: application/json
{
"latitude": "28.50937",
"longitude": "77.29727",
"mobile": "7845681234",
"amount": "100",
"externalRef": "177616676341"
}Sample Response
{
"statuscode": "TXN",
"actcode": null,
"status": "QR Generated Successfully.",
"data": {
"externalRef": "1776237698",
"qrStatus": "INITIATED",
"qrStatusMsg": "QR Generated Successfully",
"qrString": "upi://pay?pa=jpbcw.7216@jiomerchant&pn=Jio Payments Bank BC&mc=6013&tr=P260415125138TERTS&tn=CashWithdrawal&am=100.0&cu=INR&mode=15&purpose=00&orgid=JIOP&category=1&QRexpire=2026-04-15T12:52:23.607+05:30&&sign=N1bzhXQNP+iumLagTL2SKolVyZ1ldEvD2jhR9D36IzemkFdNdn3+SIZkNIhomd+z7GPLP28riK5v5p68seYhMpVe+w+9GIgLu04Lw2V2qbfSgPs+1O",
"qrMobile": "upi://pay?pa=jpbcw.7216@jiomerchant&pn=Jio Payments Bank BC&mc=6013&tr=P260415125138TERTS&tn=CashWithdrawal&am=100.0&cu=INR&mode=15&purpose=00&orgid=JIOP&category=1&QRexpire=2026-04-15T12:52:23.607+05:30&&sign=N1bzhXQNP+iumLagTL2SKolVyZ1ldEvD2jhR9D36IzemkFdNdn3+SIZkNIhomd+z7GPLP28riK5v5p68seYhMpVe+w+9GIgLu04Lw2V2qbfSgPs+1O",
"qrCreatedDt": "2026-04-15 12:51:38",
"expiryDt": "2026-04-15 12:52:21",
"displayExpirySec": "30",
"ipayId": "P260415125138TERTS",
"transactionMode": "CR",
"payableValue": "100.39",
"transactionValue": "100.00",
"isOnusTxn": false
},
"timestamp": "2026-04-15 12:51:38",
"ipay_uuid": "h000a18c41b4-507b-40b3-8404-d98b686229d2-faOKCZaivqXI",
"orderid": "P260415125138TERTS",
"environment": "LIVE",
"internalCode": ""
}Sample Response Parameters
| Name | Type | Description |
|---|---|---|
| statuscode | String | InstantPay Status Code |
| actcode | String | Action Code |
| status | String | 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 |
Please Note :To avoid transaction failures and account suspension, for every merchant you need to pass the unique outlet Id in the headers.
Note :The QR display time remains 30 seconds, as mandated by NPCI, and there is no change to this.
Previously, the total transaction duration was 45 seconds (30 seconds QR display + 15 seconds transaction time).
Now, the total transaction duration has been increased to 90 seconds, consisting of:
30 seconds QR display time and 60 seconds transaction time