Create Payout

Request

Method	URL
POST	/api/pay/payout/create/v1

Request Headers

Header	Description
timestamp	Request timestamp
nonce	Random value
country	IN
app_code	Application code

Request Parameters

Field	Type	Required	Max Length	Description
merchantOrderNo	String	Yes	32	Merchant order number
amount	String	Yes	20	Payout amount in INR (integer recommended, currency: INR)
accountType	Integer	Yes	—	Account type: 1001 = BANK_TRANSFER, 1002 = UPI
bankCode	String	No*	50	Bank IFSC code — required when accountType is 1001. Uniquely identifies a bank branch in India. Format: first 4 characters are the bank code (letters, e.g., ICIC for ICICI Bank, SBIN for State Bank of India), 5th character is always 0 (reserved), last 6 characters are the branch code (usually digits, but may include letters). Example: ICIC0000001
bankAccount	String	Yes	50	Recipient account number (For UPI payment method, the account must contain at least the @ character.)
realName	String	Yes	40	User’s full name. No special characters; recommended all uppercase; minimum 2 letters. Strict validation is not enforced, but must follow a normal name format
phone	String	Yes	10	User’s mobile number — exactly 10 digits, must start with 6, 7, 8, or 9
email	String	No	64	Email address
callbackUrl	String	No	200	Payout callback URL. If omitted, the URL configured in the merchant portal is used
sign	String	Yes	—	Signature

Request Example

{
    "merchantOrderNo": "OrderNoExample",
    "amount": "1000",
    "accountType": 1001,
    "bankCode": "ICIC0000001",
    "bankAccount": "1234567890123456789012",
    "realName": "realName",
    "phone": "6123456789",
    "callbackUrl": "https://www.callbackexample.com",
    "sign": "YOUR_SIGN"
}

Response Parameters

Field	Type	Required	Description
merchantOrderNo	String	Yes	Merchant order number
tradeNo	String	Yes	Platform order number
status	Integer	Yes	Payout status: 1 Processing, 3 Failed (can be re-initiated)
amount	String	Yes	Transaction amount

Success Response Example

{
    "msg": "success",
    "traceId": "747bbf80261844ed85b809212aab0d81.85.17422898158610298",
    "code": 200,
    "data": {
        "amount": "1000.00",
        "merchantOrderNo": "OrderNoExample",
        "status": 1,
        "tradeNo": "TF2501010001AR0000000000000000"
    }
}

Error Codes

Code	Message	Resolution
412	Please try again later	Retry later
414	*	Correct the corresponding parameter
417	Merchant account not found	Merchant account not found; contact us
425	Insufficient merchant balance	Insufficient balance in merchant account
426	merchant order duplicate	Change the merchant order number
427	The callback notification address for collection must not be empty.	No collection callback URL configured; please configure one
432	*	Mismatch between card number, bank code, and payment method; check and correct
462	This request failed due to blacklist blocking	Blacklisted; update parameters and retry
473	Merchant joint verification error: *	Merchant configuration error; contact us
500	Business Error	Contact us

Error Response Example

{
    "code": 425,
    "data": null,
    "msg": "Insufficient merchant balance",
    "traceId": "747bbf80261844ed85b809212aab0d81.85.17422898158610298"
}