API reference

Domestic money transfer

25 endpoints

Register the sender once per bank, add a beneficiary, then transfer with the sender's OTP. Requires full KYC on your account. Every amount is checked against the limits from /dmt/banks; a larger amount becomes several parts — use /transfer/plan and the split endpoints rather than splitting it yourself. A pending transfer comes back HTTP 200: money may be in flight, so never resend it — poll its status or wait for the callback.

Signed requests only. Once this service is switched on for your account, every call on this page must be signed with your signing secret (see Request signing). A call with the API token alone is refused with HTTP 401 and invalid_signature.

GET/dmt/banksYour transfer banks, limits and charges
GET/dmt/remitterLook up a sender: registered, and the limit left
POST/dmt/remitter/registerStart sender registration (sends the sender an OTP)
POST/dmt/remitter/verifyComplete sender registration with the OTP
POST/dmt/remitter/resend-otpResend the registration OTP
GET/dmt/recipientsBeneficiaries of a sender
GET/dmt/beneficiary-banksBanks a beneficiary may be at
GET/dmt/ifsc/{ifsc}Bank, branch and address for an IFSC
GET/dmt/branchesBranches (with IFSC) of a beneficiary's bank
GET/dmt/master-ifscA bank's master IFSC
POST/dmt/recipientAdd a beneficiary
POST/dmt/recipient/deleteRemove a beneficiary
POST/dmt/recipient/verifyCheck a beneficiary account (penny drop)
POST/dmt/transfer/quoteCharges and totals for an amount (free)
POST/dmt/transfer/planHow many parts an amount takes, and each part's fee
POST/dmt/transfer/otpStart a transfer: sends the sender an OTP
POST/dmt/transferSend the money
POST/dmt/transfer/cancelCancel a transfer still waiting for its OTP
GET/dmt/transfer/{ref}Status of one transfer
GET/dmt/transferFind a transfer by your own reference
POST/dmt/transfer/refund/otpRefund a parked transfer: sends the sender an OTP
POST/dmt/transfer/refundComplete the refund with the sender's OTP
POST/dmt/transfer/batchStart a split transfer
POST/dmt/transfer/batch/otpSend one part with its OTP
GET/dmt/transfer/batch/{ref}Progress of a split transfer

Your transfer banks, limits and charges

GET/api/corp/v1/dmt/banks

Notes

min_per_txn, max_per_txn, monthly_limit, the account-check and registration charges, and per bank what registration needs (register_fields, biometric, OTP length).

Request

curl "https://apipe.in/api/corp/v1/dmt/banks" \
  -H "X-Api-Token: <your-token>"

Replace each <…> with your own value.

Look up a sender: registered, and the limit left

GET/api/corp/v1/dmt/remitter

Query parameters

Name	Description
`mobile`required	Sender (customer) mobile number.
`bank`required	Transfer bank: `ARTL`, `FINO`, `NSDL` or `JIO` — one your account has (see `/dmt/banks`).

Request

curl "https://apipe.in/api/corp/v1/dmt/remitter?mobile=<mobile>&bank=<bank>" \
  -H "X-Api-Token: <your-token>"

Replace each <…> with your own value. Only the required fields are shown.

Start sender registration (sends the sender an OTP)

POST/api/corp/v1/dmt/remitter/register

Body parameters

Name	Description
`mobile`required	Sender (customer) mobile number.
`bank`required	Transfer bank: `ARTL`, `FINO`, `NSDL` or `JIO` — one your account has (see `/dmt/banks`).
`name`required	Sender's full name (at least 5 characters).
`pincode`required	Sender's 6-digit pincode.
`aadhaar`optional	Where the bank asks for it (`/dmt/banks`), with `bio_type` and `bio_pid` for a fingerprint capture.
`fields`optional	The bank's extra `register_fields`, as an object.

Notes

Returns registration_ref. A 202 registration_pending means the bank is still deciding — do not register again.

Request

curl "https://apipe.in/api/corp/v1/dmt/remitter/register" \
  -X POST \
  -H "X-Api-Token: <your-token>" \
  -H "Content-Type: application/json" \
  -d '{
    "mobile": "<mobile>",
    "bank": "<bank>",
    "name": "<name>",
    "pincode": "<pincode>"
  }'

Replace each <…> with your own value. Only the required fields are shown.

Complete sender registration with the OTP

Moves money

POST/api/corp/v1/dmt/remitter/verify

Body parameters

Name	Description
`mobile`required	Sender (customer) mobile number.
`bank`required	Transfer bank: `ARTL`, `FINO`, `NSDL` or `JIO` — one your account has (see `/dmt/banks`).
`otp`required	The OTP the sender received.
`registration_ref`required	From register.

Notes

The registration charge is taken once per sender and bank, only after the bank confirms.

Request

curl "https://apipe.in/api/corp/v1/dmt/remitter/verify" \
  -X POST \
  -H "X-Api-Token: <your-token>" \
  -H "Content-Type: application/json" \
  -d '{
    "mobile": "<mobile>",
    "bank": "<bank>",
    "otp": "<otp>",
    "registration_ref": "<registration_ref>"
  }'

Replace each <…> with your own value. Only the required fields are shown.

Resend the registration OTP

POST/api/corp/v1/dmt/remitter/resend-otp

Body parameters

Name	Description
`mobile`required	Sender (customer) mobile number.
`bank`required	Transfer bank: `ARTL`, `FINO`, `NSDL` or `JIO` — one your account has (see `/dmt/banks`).

Notes

At most 3 resends, 30 seconds apart.

Request

curl "https://apipe.in/api/corp/v1/dmt/remitter/resend-otp" \
  -X POST \
  -H "X-Api-Token: <your-token>" \
  -H "Content-Type: application/json" \
  -d '{
    "mobile": "<mobile>",
    "bank": "<bank>"
  }'

Replace each <…> with your own value. Only the required fields are shown.

Beneficiaries of a sender

GET/api/corp/v1/dmt/recipients

Query parameters

Name	Description
`mobile`required	Sender (customer) mobile number.
`bank`required	Transfer bank: `ARTL`, `FINO`, `NSDL` or `JIO` — one your account has (see `/dmt/banks`).

Notes

Account numbers are masked to the last four digits.

Request

curl "https://apipe.in/api/corp/v1/dmt/recipients?mobile=<mobile>&bank=<bank>" \
  -H "X-Api-Token: <your-token>"

Replace each <…> with your own value. Only the required fields are shown.

Banks a beneficiary may be at

GET/api/corp/v1/dmt/beneficiary-banks

Query parameters

Name	Description
`mobile`required	Sender (customer) mobile number.
`bank`required	Transfer bank: `ARTL`, `FINO`, `NSDL` or `JIO` — one your account has (see `/dmt/banks`).

Notes

Each with its bank_code and, where known, a master IFSC.

Request

curl "https://apipe.in/api/corp/v1/dmt/beneficiary-banks?mobile=<mobile>&bank=<bank>" \
  -H "X-Api-Token: <your-token>"

Replace each <…> with your own value. Only the required fields are shown.

Bank, branch and address for an IFSC

GET/api/corp/v1/dmt/ifsc/{ifsc}

Request

curl "https://apipe.in/api/corp/v1/dmt/ifsc/<ifsc>" \
  -H "X-Api-Token: <your-token>"

Replace each <…> with your own value.

Branches (with IFSC) of a beneficiary's bank

GET/api/corp/v1/dmt/branches

Query parameters

Name	Description
`name`required	The bank's name, as listed by /dmt/beneficiary-banks.
`q`optional	Branch or city text.

Request

curl "https://apipe.in/api/corp/v1/dmt/branches?name=<name>" \
  -H "X-Api-Token: <your-token>"

Replace each <…> with your own value. Only the required fields are shown.

A bank's master IFSC

GET/api/corp/v1/dmt/master-ifsc

Query parameters

Name	Description
`bank_code`required	From /dmt/beneficiary-banks.

Request

curl "https://apipe.in/api/corp/v1/dmt/master-ifsc?bank_code=<bank_code>" \
  -H "X-Api-Token: <your-token>"

Replace each <…> with your own value. Only the required fields are shown.

Add a beneficiary

POST/api/corp/v1/dmt/recipient

Body parameters

Name	Description
`mobile`required	Sender (customer) mobile number.
`bank`required	Transfer bank: `ARTL`, `FINO`, `NSDL` or `JIO` — one your account has (see `/dmt/banks`).
`name`required	Beneficiary name.
`account`required	Account number.
`ifsc`required	IFSC.
`bank_code`optional	From /dmt/beneficiary-banks.
`recipient_mobile`optional	Beneficiary mobile.

Notes

Free. Returns recipient_id.

Request

curl "https://apipe.in/api/corp/v1/dmt/recipient" \
  -X POST \
  -H "X-Api-Token: <your-token>" \
  -H "Content-Type: application/json" \
  -d '{
    "mobile": "<mobile>",
    "bank": "<bank>",
    "name": "<name>",
    "account": "<account>",
    "ifsc": "<ifsc>"
  }'

Replace each <…> with your own value. Only the required fields are shown.

Remove a beneficiary

POST/api/corp/v1/dmt/recipient/delete

Body parameters

Name	Description
`mobile`required	Sender (customer) mobile number.
`bank`required	Transfer bank: `ARTL`, `FINO`, `NSDL` or `JIO` — one your account has (see `/dmt/banks`).
`recipient_id`required	From /dmt/recipients.

Request

curl "https://apipe.in/api/corp/v1/dmt/recipient/delete" \
  -X POST \
  -H "X-Api-Token: <your-token>" \
  -H "Content-Type: application/json" \
  -d '{
    "mobile": "<mobile>",
    "bank": "<bank>",
    "recipient_id": "<recipient_id>"
  }'

Replace each <…> with your own value. Only the required fields are shown.

Check a beneficiary account (penny drop)

Moves money

POST/api/corp/v1/dmt/recipient/verify

Body parameters

Name	Description
`mobile`required	Sender (customer) mobile number.
`bank`required	Transfer bank: `ARTL`, `FINO`, `NSDL` or `JIO` — one your account has (see `/dmt/banks`).
`account`required	Account number.
`ifsc`required	IFSC.
`confirm`required	Send `1`: you accept the charge.
`request_id`required	Your unique reference: a repeat is never charged twice.

Notes

CHARGEABLE, also when the bank says the account is invalid; not charged when no answer came back. Returns the account holder's name.

Request

curl "https://apipe.in/api/corp/v1/dmt/recipient/verify" \
  -X POST \
  -H "X-Api-Token: <your-token>" \
  -H "Content-Type: application/json" \
  -d '{
    "mobile": "<mobile>",
    "bank": "<bank>",
    "account": "<account>",
    "ifsc": "<ifsc>",
    "confirm": "<confirm>",
    "request_id": "<request_id>"
  }'

Replace each <…> with your own value. Only the required fields are shown.

Charges and totals for an amount (free)

POST/api/corp/v1/dmt/transfer/quote

Body parameters

Name	Description
`mobile`required	Sender (customer) mobile number.
`bank`required	Transfer bank: `ARTL`, `FINO`, `NSDL` or `JIO` — one your account has (see `/dmt/banks`).
`recipient_id`required	Beneficiary.
`amount`required	Rupees.

Request

curl "https://apipe.in/api/corp/v1/dmt/transfer/quote" \
  -X POST \
  -H "X-Api-Token: <your-token>" \
  -H "Content-Type: application/json" \
  -d '{
    "mobile": "<mobile>",
    "bank": "<bank>",
    "recipient_id": "<recipient_id>",
    "amount": "<amount>"
  }'

Replace each <…> with your own value. Only the required fields are shown.

How many parts an amount takes, and each part's fee

POST/api/corp/v1/dmt/transfer/plan

Body parameters

Name	Description
`mobile`required	Sender (customer) mobile number.
`bank`required	Transfer bank: `ARTL`, `FINO`, `NSDL` or `JIO` — one your account has (see `/dmt/banks`).
`recipient_id`required	Beneficiary.
`amount`required	Rupees.

Request

curl "https://apipe.in/api/corp/v1/dmt/transfer/plan" \
  -X POST \
  -H "X-Api-Token: <your-token>" \
  -H "Content-Type: application/json" \
  -d '{
    "mobile": "<mobile>",
    "bank": "<bank>",
    "recipient_id": "<recipient_id>",
    "amount": "<amount>"
  }'

Replace each <…> with your own value. Only the required fields are shown.

Start a transfer: sends the sender an OTP

POST/api/corp/v1/dmt/transfer/otp

Body parameters

Name	Description
`mobile`required	Sender (customer) mobile number.
`bank`required	Transfer bank: `ARTL`, `FINO`, `NSDL` or `JIO` — one your account has (see `/dmt/banks`).
`recipient_id`required	Beneficiary.
`amount`required	Rupees, within the bank's per-transfer limits.

Notes

Returns the transfer ref; the OTP is valid for 15 minutes. Nothing is debited yet. The same beneficiary and amount again while it is open answers duplicate with that ref.

Request

curl "https://apipe.in/api/corp/v1/dmt/transfer/otp" \
  -X POST \
  -H "X-Api-Token: <your-token>" \
  -H "Content-Type: application/json" \
  -d '{
    "mobile": "<mobile>",
    "bank": "<bank>",
    "recipient_id": "<recipient_id>",
    "amount": "<amount>"
  }'

Replace each <…> with your own value. Only the required fields are shown.

Send the money

Moves money

POST/api/corp/v1/dmt/transfer

Body parameters

Name	Description
`ref`required	The transfer reference from /transfer/otp.
`otp`required	The OTP the sender received.
`request_id`required	Your unique reference (idempotency key).

Notes

status is success | pending | failed. If you get no answer, send the SAME request again: a repeated request_id returns the original transfer, never a second one.

A failed answer with an empty order_id is a refusal (service off for your account, KYC, the service hours, a frozen wallet …): nothing was sent and nothing charged. The OTP step stays open until it expires, so once the cause is fixed you may submit it again — or cancel it.

Request

curl "https://apipe.in/api/corp/v1/dmt/transfer" \
  -X POST \
  -H "X-Api-Token: <your-token>" \
  -H "Content-Type: application/json" \
  -d '{
    "ref": "<ref>",
    "otp": "<otp>",
    "request_id": "<request_id>"
  }'

Replace each <…> with your own value. Only the required fields are shown.

Cancel a transfer still waiting for its OTP

POST/api/corp/v1/dmt/transfer/cancel

Body parameters

Name	Description
`ref`required	The transfer reference.

Notes

For a lost or expired OTP: nothing was sent or charged, and you can start the transfer again at once for a fresh OTP. A transfer already submitted cannot be cancelled (409 cannot_cancel).

Request

curl "https://apipe.in/api/corp/v1/dmt/transfer/cancel" \
  -X POST \
  -H "X-Api-Token: <your-token>" \
  -H "Content-Type: application/json" \
  -d '{
    "ref": "<ref>"
  }'

Replace each <…> with your own value. Only the required fields are shown.

Status of one transfer

GET/api/corp/v1/dmt/transfer/{ref}

Notes

With the bank reference (UTR) once sent, and refund_available when the bank has parked it for refund.

Request

curl "https://apipe.in/api/corp/v1/dmt/transfer/<ref>" \
  -H "X-Api-Token: <your-token>"

Replace each <…> with your own value.

Find a transfer by your own reference

GET/api/corp/v1/dmt/transfer

Query parameters

Name	Description
`request_id`required	The request_id you sent to /dmt/transfer.

Notes

Same answer as GET /dmt/transfer/{ref}.

Request

curl "https://apipe.in/api/corp/v1/dmt/transfer?request_id=<request_id>" \
  -H "X-Api-Token: <your-token>"

Replace each <…> with your own value. Only the required fields are shown.

Refund a parked transfer: sends the sender an OTP

POST/api/corp/v1/dmt/transfer/refund/otp

Body parameters

Name	Description
`ref`required	A transfer whose status says `refund_available`.

Notes

At most 3 OTPs per transfer, sent by the bank to the sender.

Request

curl "https://apipe.in/api/corp/v1/dmt/transfer/refund/otp" \
  -X POST \
  -H "X-Api-Token: <your-token>" \
  -H "Content-Type: application/json" \
  -d '{
    "ref": "<ref>"
  }'

Replace each <…> with your own value. Only the required fields are shown.

Complete the refund with the sender's OTP

Moves money

POST/api/corp/v1/dmt/transfer/refund

Body parameters

Name	Description
`ref`required	The transfer.
`otp`required	The OTP the sender received.

Notes

The amount comes back to your wallet once, whatever you retry. Five OTP attempts per transfer per day.

Request

curl "https://apipe.in/api/corp/v1/dmt/transfer/refund" \
  -X POST \
  -H "X-Api-Token: <your-token>" \
  -H "Content-Type: application/json" \
  -d '{
    "ref": "<ref>",
    "otp": "<otp>"
  }'

Replace each <…> with your own value. Only the required fields are shown.

Start a split transfer

POST/api/corp/v1/dmt/transfer/batch

Body parameters

Name	Description
`mobile`required	Sender (customer) mobile number.
`bank`required	Transfer bank: `ARTL`, `FINO`, `NSDL` or `JIO` — one your account has (see `/dmt/banks`).
`recipient_id`required	Beneficiary.
`amount`required	The whole amount, in rupees.
`request_id`required	Your unique reference.

Notes

Returns batch_ref and sends the OTP for the first part.

Request

curl "https://apipe.in/api/corp/v1/dmt/transfer/batch" \
  -X POST \
  -H "X-Api-Token: <your-token>" \
  -H "Content-Type: application/json" \
  -d '{
    "mobile": "<mobile>",
    "bank": "<bank>",
    "recipient_id": "<recipient_id>",
    "amount": "<amount>",
    "request_id": "<request_id>"
  }'

Replace each <…> with your own value. Only the required fields are shown.

Send one part with its OTP

Moves money

POST/api/corp/v1/dmt/transfer/batch/otp

Body parameters

Name	Description
`batch_ref`required	From batch.
`otp`required	The OTP for this part.
`leg_ref`optional	The part, as the batch status names it.

Notes

Each part is debited and sent on its own; the reply says which part is next.

Request

curl "https://apipe.in/api/corp/v1/dmt/transfer/batch/otp" \
  -X POST \
  -H "X-Api-Token: <your-token>" \
  -H "Content-Type: application/json" \
  -d '{
    "batch_ref": "<batch_ref>",
    "otp": "<otp>"
  }'

Replace each <…> with your own value. Only the required fields are shown.

Progress of a split transfer

GET/api/corp/v1/dmt/transfer/batch/{ref}

Request

curl "https://apipe.in/api/corp/v1/dmt/transfer/batch/<ref>" \
  -H "X-Api-Token: <your-token>"

Replace each <…> with your own value.