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amount	String	M	Amount to be withdrawn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.

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