> For the complete documentation index, see [llms.txt](https://developers.kwikpaisa.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://developers.kwikpaisa.com/v3-api-reference/payout-apis/bank-transfer/transaction-initiation.md).

# Transaction Initiation

Payout and banking transaction APIs

## Initiate Payout Transaction

> Initiates a payout transaction using supported transfer\
> modes such as IMPS, NEFT, RTGS, and UPI.<br>

```json
{"openapi":"3.1.0","info":{"title":"KwikPaisa Transaction Initiation API","version":"1.0.0"},"tags":[{"name":"Transaction Initiation","description":"Payout and banking transaction APIs"}],"servers":[{"url":"https://sandbox.kwikpaisa.com","description":"Sandbox Environment"},{"url":"https://api.kwikpaisa.com","description":"Production Environment"}],"paths":{"/api/v3/banking/payment/create":{"post":{"tags":["Transaction Initiation"],"summary":"Initiate Payout Transaction","description":"Initiates a payout transaction using supported transfer\nmodes such as IMPS, NEFT, RTGS, and UPI.\n","operationId":"initiatePayoutTransaction","parameters":[{"in":"header","name":"X-API-KEY","required":true,"schema":{"type":"string"}},{"in":"header","name":"X-SIGNATURE","required":true,"schema":{"type":"string"}},{"in":"header","name":"X-TIMESTAMP","required":true,"schema":{"type":"string"}}],"requestBody":{"required":true,"content":{"application/json":{"schema":{"$ref":"#/components/schemas/TransactionInitiationRequest"}}}},"responses":{"200":{"description":"Payout initiated successfully","content":{"application/json":{}}},"401":{"description":"Authentication failed","content":{"application/json":{}}},"403":{"description":"Access denied or security validation failed","content":{"application/json":{}}},"404":{"description":"Wallet not found","content":{"application/json":{}}},"422":{"description":"Validation or business rule failure","content":{"application/json":{}}}}}}},"components":{"schemas":{"TransactionInitiationRequest":{"type":"object","required":["kwikx_wallet_id","debit_account_type","transfer_type","mobile","email","country_dialing_code","transfer_mode","transfer_amount","payout_order_id"],"properties":{"kwikx_wallet_id":{"type":"string"},"debit_account_type":{"type":"string"},"transfer_type":{"type":"string"},"beneficiary_id":{"nullable":true},"mobile":{"type":"string"},"email":{"type":"string"},"address":{"nullable":true},"country_dialing_code":{"type":"string"},"transfer_mode":{"type":"string"},"transfer_amount":{"type":"string"},"payout_order_id":{"type":"string"},"account_transfer":{"type":"object","properties":{"account_owner_name":{"type":"string"},"account_number":{"type":"string"},"ifsc_code":{"type":"string"},"is_validate":{"type":"string"},"payment_for":{"type":"string"}}}}}}}}
```


---

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