UPI Transaction Initiation

UPI payout transaction APIs

Initiate UPI Payout

post

https://sandbox.kwikpaisa.comhttps://api.kwikpaisa.com

/api/v3/banking/payment/create

Initiates a UPI payout transaction directly to a beneficiary UPI ID using the merchant wallet balance.

Header parameters

X-API-KEYstringRequiredExample: pk_test_mQZnmh2BeSDTjEQgzwiSPOhrWyUsPqS6

X-SIGNATUREstringRequiredExample: 623a603fa35bb5ab736a1272dcd797908ab9af4b0247a55bcfc8676cd821a39b

X-TIMESTAMPstringRequiredExample: 1778659835

Body

application/json

kwikx_wallet_idstringRequiredExample: <KwikXWalletID>

debit_account_typestringRequiredExample: kwikx_wallet

transfer_typestringRequiredExample: direct

beneficiary_idany · nullableOptional

mobilestringRequiredExample: 9896989698

emailstringRequiredExample: [e-mail]

addressany · nullableOptional

country_dialing_codestringRequiredExample: 91

transfer_modestringRequiredExample: upi

transfer_amountstringRequiredExample: 10.12

payout_order_idstringRequiredExample: 654894598459

Responses

200

UPI payout initiated successfully

application/json

401

Authentication failed

application/json

403

Access denied or security validation failed

application/json

404

Wallet not found

application/json

422

Validation or business rule failure

application/json

post/api/v3/banking/payment/create

HTTPcURLJavaScriptPython

POST /api/v3/banking/payment/create HTTP/1.1
Host: sandbox.kwikpaisa.com
X-API-KEY: text
X-SIGNATURE: text
X-TIMESTAMP: text
Content-Type: application/json
Accept: */*
Content-Length: 425

{
  "kwikx_wallet_id": "<KwikXWalletID>",
  "debit_account_type": "kwikx_wallet",
  "transfer_type": "direct",
  "beneficiary_id": null,
  "mobile": "9896989698",
  "email": "[e-mail]",
  "address": null,
  "country_dialing_code": "91",
  "transfer_mode": "upi",
  "transfer_amount": "10.12",
  "upi_transfer": {
    "upi_owner_name": "beneficiary name",
    "upi_id": "upi-owner@upi",
    "is_validate": "false",
    "payment_for": "salary payment"
  },
  "payout_order_id": "654894598459"
}

{
  "status": true,
  "code": 200,
  "message": "Payout initiated successfully.",
  "data": {
    "payout_id": "payout_2c17a19bc5be6d05",
    "payout_order_id": 1778761733,
    "wallet_id": "2026-04-30 13:01:32",
    "debited_amount": 99,
    "available_balance": 98627.88
  }
}