# UPI Transaction Initiation

UPI payout transaction APIs

## Initiate UPI Payout

> Initiates a UPI payout transaction directly to a\
> beneficiary UPI ID using the merchant wallet balance.<br>

```json
{"openapi":"3.1.0","info":{"title":"KwikPaisa UPI Payout Transaction API","version":"1.0.0"},"tags":[{"name":"UPI Transaction Initiation","description":"UPI payout 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":["UPI Transaction Initiation"],"summary":"Initiate UPI Payout","description":"Initiates a UPI payout transaction directly to a\nbeneficiary UPI ID using the merchant wallet balance.\n","operationId":"initiateUpiPayout","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/UpiTransactionRequest"}}}},"responses":{"200":{"description":"UPI 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":{"UpiTransactionRequest":{"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"},"upi_transfer":{"type":"object","properties":{"upi_owner_name":{"type":"string"},"upi_id":{"type":"string"},"is_validate":{"type":"string"},"payment_for":{"type":"string"}}}}}}}}
```


---

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