POST/connected-banking/v1/initiate

Initiate Payment

Initiate bank-to-bank payments through Connected Banking.

Last updated: 2026-02-21

Initiate Payment

Endpoint (Requires Authentication)

POST /api/v1/connected-banking/public/payment/initiate

This API endpoint is used to initiate a payment. Clients must encrypt their data using this method before sending it to the server. The encrypted data should be base64-encoded for safe transmission.

Request Headers

Content-Type: application/json
Authorization: Bearer <jwt_token>

Required Fields

The following fields must be encrypted before being sent to the server:

Field	Required	Type	Description
sender_id	Yes	String	Unique ID for each merchant (Max 38 characters)
wallet_id	Yes	String	Unique ID for each merchant. Example: PAYWIZE12345679
amount	Yes	String	The amount in rupees. Provide up to two decimals for paise. Example: 5.00.
payment_mode	Yes	String	The payment mode. Accepted values: IMPS, NEFT and RTGS
beneficiary_name	Yes	String	The name of the beneficiary. Example: John Doe.
beneficiary_ifsc	Yes	String	The IFSC code of the beneficiary. Must be 11 characters long. Example: SBIN0000300.
beneficiary_acc_number	Yes	String	The account number of the beneficiary. Example: 00001234567890.
remarks	Yes	String	Remarks for the payout (max 20 characters). Example: vendor.
channel	Yes	String	Name of the Channel. Example: SHIVALIK

Sample Request Body (Encrypted Data)

{
  "payload": "0oA+t8GGuDZ0FrEbhM9bZ2pxTDZTaHRWRW1tQn...encrypted_payload"
}

Decrypted Payload Structure

{
  "sender_id": "SENDER001",
  "wallet_id": "PAYWIZE12345686",
  "amount": "100.00",
  "payment_mode": "IMPS",
  "beneficiary_ifsc": "SMCB0001234",
  "beneficiary_acc_number": "9651265167",
  "beneficiary_name": "test beneficiary",
  "remarks": "Test payment",
  "channel": "SHIVALIK"
}

Success Response Encrypted (200 OK)

{
  "resp_code": 2000,
  "resp_message": "Payment has been initiated Successfully",
  "data": "U2FsdGVkX1+XYZ789...encrypted_response_here"
}

Decrypted Response

{
  "transaction_id": "CHDEI160126000001",
  "sender_id": "SENDER001",
  "wallet_id": "PAYWIZE12345686",
  "amount": "100",
  "payment_mode": "IMPS",
  "beneficiary_ifsc": "SMCB0001234",
  "beneficiary_acc_number": "9651265167",
  "beneficiary_name": "test beneficiary",
  "remarks": "Test payment"
}

All Response Codes

Code	Message
2000	Payment has been initiated Successfully
4014	Payload is required
4000	Insufficient balance.
4001	Request amount is required
4002	Mode is required
4005	Wallet ID is required
4006	IFSC is required
4007	Account number is required
4008	Account name is required
4009	Remarks must be a string
4010	Sender ID must be a string
4011	Sender ID should not exceed 38 characters
5000	Duplicate sender ID
4013	Sender ID should only contain letters and numbers.
4023	Missing or invalid Wallet ID
4003	Transaction limit exceeded.
4003	Transaction amount below the minimum limit.
4004	Daily limit exceeded
4015	Payment mode not supported for this merchant.
5000	Internal server error.

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