Create Payout

Use the Transaction Initiation API to initiate payouts directly from your KwikPaisa wallet to beneficiary bank accounts using supported banking transfer modes.

This API enables merchants to:

• Send instant payouts
• Process salary disbursements
• Automate vendor settlements
• Transfer funds securely
• Build scalable payout workflows

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Endpoint

POST /api/v3/banking/payment/create

To view all available base URLs and environments, refer to:

➡️ API Resources

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Authentication required.

Refer to: ➡️ Headers ➡️ Signature Generation ➡️ Timestamp Validation

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Request Parameters

Bank Transfer

Parameter	Type	Required	Description
kwikx_wallet_id	String	Yes	Merchant wallet ID
debit_account_type	String	Yes	Source account type
transfer_type	String	Yes	Transfer processing type
mobile	String	Yes	Merchant mobile number
email	String	Yes	Merchant email address
country_dialing_code	String	Yes	Country dialing code
transfer_mode	String	Yes	Transfer mode (imps, neft, rtgs, upi, ach, wire, swift, sepa, bank_transfer, wallet, card_transfer, international)
transfer_amount	Decimal	Yes	Transfer amount
payout_order_id	String/Integer	Yes	Unique merchant payout order ID
account_transfer.account_owner_name	String	Yes	Beneficiary account holder name
account_transfer.account_number	String	Yes	Beneficiary account number
account_transfer.ifsc_code	String	Yes	Beneficiary IFSC code
account_transfer.is_validate	Boolean/String	No	Validate beneficiary account
account_transfer.payment_for	String	No	Transfer description

UPI

Parameter	Type	Required	Description
kwikx_wallet_id	String	Yes	Merchant wallet ID
debit_account_type	String	Yes	Source account type
transfer_type	String	Yes	Transfer processing type
beneficiary_id	String/Null	No	Existing beneficiary reference
mobile	String	Yes	Merchant mobile number
email	String	Yes	Merchant email address
address	String/Null	No	Merchant address
country_dialing_code	String	Yes	Country dialing code
transfer_mode	String	Yes	Transfer mode (upi)
transfer_amount	Decimal	Yes	Transfer amount
payout_order_id	String/Integer	Yes	Unique merchant payout order ID
upi_transfer.upi_owner_name	String	Yes	Beneficiary UPI holder name
upi_transfer.upi_id	String	Yes	Beneficiary UPI ID
upi_transfer.is_validate	Boolean/String	No	Validate beneficiary UPI ID
upi_transfer.payment_for	String	No	Transfer description

Example Request Body'

Bank Transfer

{
  "kwikx_wallet_id": "9896989698",
  "debit_account_type": "kwikx_wallet",
  "transfer_type": "direct",
  "mobile": "9896989698",
  "email": "[e-mail]",
  "country_dialing_code": "91",
  "transfer_mode": "imps",
  "transfer_amount": "9999999999",
  "payout_order_id": "9999999999",
  "account_transfer": {
    "account_owner_name": "beneficiary name",
    "account_number": "6760654654",
    "ifsc_code": "icici000143",
    "is_validate": "false",
    "payment_for": "salary payment"
  }
}

UPI

{
  "kwikx_wallet_id": "9896989698",
  "debit_account_type": "kwikx_wallet",
  "transfer_type": "direct",
  "mobile": "9896989698",
  "email": "[e-mail]",
  "country_dialing_code": "91",
  "transfer_mode": "upi",
  "transfer_amount": "9999999999",
  "payout_order_id": "9999999999",
  "upi_transfer": {
        "upi_owner_name": "beneficiary name",
        "upi_id": "upi-owner@upi",
        "is_validate": "false",
        "payment_for": "salary payment"
    } 
}

Example cURL Request

Bank Transfer

curl -X POST https://sandbox.kwikpaisa.com/api/v3/banking/payment/create \
     -H "X-API-KEY: pk_test_mQZnmh2BeSDTjEQgzwiSPOhrWyUsPqS6" \
     -H "X-SIGNATURE: 623a603fa35bb5ab736a1272dcd797908ab9af4b0247a55bcfc8676cd821a39b" \
     -H "X-TIMESTAMP: 1778659835" \
     -H "Content-Type: application/json" \
     -d '{
  "kwikx_wallet_id": "9896989698",
  "debit_account_type": "kwikx_wallet",
  "transfer_type": "direct",
  "mobile": "9896989698",
  "email": "[e-mail]",
  "country_dialing_code": "91",
  "transfer_mode": "imps",
  "transfer_amount": "9999999999",
  "payout_order_id": "9999999999",
  "account_transfer": {
    "account_owner_name": "beneficiary name",
    "account_number": "6760654654",
    "ifsc_code": "icici000143",
    "is_validate": "false",
    "payment_for": "salary payment"
  }
}'

UPI

curl -X POST https://sandbox.kwikpaisa.com/api/v3/banking/payment/create \
     -H "X-API-KEY: pk_test_mQZnmh2BeSDTjEQgzwiSPOhrWyUsPqS6" \
     -H "X-SIGNATURE: 623a603fa35bb5ab736a1272dcd797908ab9af4b0247a55bcfc8676cd821a39b" \
     -H "X-TIMESTAMP: 1778659835" \
     -H "Content-Type: application/json" \
     -d '{
  "kwikx_wallet_id": "9896989698",
  "debit_account_type": "kwikx_wallet",
  "transfer_type": "direct",
  "mobile": "9896989698",
  "email": "[e-mail]",
  "country_dialing_code": "91",
  "transfer_mode": "upi",
  "transfer_amount": "9999999999",
  "payout_order_id": "9999999999",
  "upi_transfer": {
        "upi_owner_name": "beneficiary name",
        "upi_id": "upi-owner@upi",
        "is_validate": "false",
        "payment_for": "salary payment"
    } 
}'

Example Success Response

{
  "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
  }
}

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Response Parameters

Parameter	Description
payout_id	Unique KwikPaisa payout reference ID
payout_order_id	Merchant payout order ID
wallet_id	Wallet transaction reference
debited_amount	Amount debited from wallet
available_balance	Remaining wallet balance

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Example Failed Response

Insufficient Wallet Balance

{
  "status": false,
  "code": 422,
  "message": "Insufficient wallet balance."
}

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Transaction Not Found

{
  "code": 404,
  "status": false,
  "message": "Order not found",
  "return_data": {
    "payout_id": null,
    "payout_order_id": "68736541046834",
    "payout_status": null
  }
}

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Supported Transfer Modes

Transfer Mode	Description
imps	Instant bank transfer available 24x7
neft	Standard bank settlement transfer
rtgs	Real-time gross settlement for high-value transfers
upi	Instant UPI transfer using UPI ID
ach	Automated Clearing House batch transfer
wire	International wire transfer
swift	International SWIFT banking transfer
sepa	Eurozone SEPA bank transfer
bank_transfer	Standard domestic bank transfer
wallet	Wallet-to-wallet transfer
card_transfer	Card-based payout transfer
international	International cross-border payout

Recommended Payout Flow

1. Check wallet balance
2. Generate payout request signature
3. Initiate payout transaction
4. Store payout_id and payout_order_id
5. Verify payout using Payout Status API
6. Handle webhook notifications

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Important Notes

• payout_order_id must always be unique
• Duplicate payout IDs may be rejected
• Ensure sufficient wallet balance before initiating payouts
• Beneficiary bank details should be validated carefully
• Always verify payout status server-side

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Common Errors

400 Bad Request

Possible reasons:

• Missing required parameters
• Invalid payload structure
• Invalid IFSC code
• Incorrect account details

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401 Unauthorized

Possible reasons:

• Invalid API key
• Incorrect signature
• Expired timestamp

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422 Insufficient Wallet Balance

Possible reasons:

• Wallet balance too low
• Transfer amount exceeds available balance

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404 Order Not Found

Possible reasons:

• Invalid payout order ID
• Transaction does not exist
• Incorrect merchant credentials

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Security Recommendations

• Always generate signatures server-side
• Never expose secret keys publicly
• Use HTTPS for all API requests
• Validate beneficiary details carefully
• Monitor payout reconciliation regularly

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Best Practices

• Use unique payout order IDs
• Validate account details before payouts
• Store payout references securely
• Retry processing payouts carefully
• Enable webhook handling for real-time payout updates