Payout Initiate

Initiate a payout using a structured POST request.

Same merchant_key and merchant_secret For Both Payin and Payout

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Endpoint

POST: /StartPayout/initiate_payout

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Request Parameters

Field	Description
name	Beneficiary full name
amount	Payout amount
merchant_key	Your assigned merchant key
bank_account	Beneficiary bank account number
bank_ifsc	Bank IFSC code
bank_name	Beneficiary bank name
order_id	Unique merchant order ID/reference
hash	Secure HMAC SHA-256 hash

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Hash Generation

To secure the request, generate a hash using these steps:

1. Sort the parameters by key (alphabetically).
   Example order:
   amount, bank_account, bank_ifsc, bank_name, merchant_key, name,order_id,

2. Concatenate the values of the sorted parameters, separated by a pipe |.

3. Generate the hash using HMAC SHA-256 with your merchant_secret as the key.

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Example Hash Generation

• Message to be hashed:
  amount|bank_account|bank_ifsc|bank_name|merchant_key|name|order_id

• Hashing function (PHP):

$formData = [
    'order_id'      => $orderId,
    'amount'        => $amount,
    'merchant_key'  => $merchant_key,
    'name'          => $name,
    'bank_account'  => $bankaccount,
    'bank_ifsc'     => $bankifsc,
    'bank_name'     => $bankname
];

// Hash generation
ksort($formData);
$hashString = implode('|', array_values($formData));
$hash = hash_hmac('sha256', $hashString, $merchant_secret, false);
$formData['hash'] = $hash;

// Send payout request
$ch = curl_init($payment_url);
curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
curl_setopt($ch, CURLOPT_POSTFIELDS, $formData);
$response = curl_exec($ch);
curl_close($ch);

// Response Handling 
$responseData = json_decode($response, true);

Request Example (JSON)

{
  "data": {
    "name": "Ajay Verma",
    "amount": "100.00",
    "bank_account": "1234567890",
    "bank_ifsc": "HDFC0001234",
    "bank_name": "HDFC Bank",
    "merchant_key": "MerKey123",
    "order_id": "ORD123456",
    "hash": "GENERATED_SHA256_HASH"
  },
  
}

Callback Response

{
      'reference_id'   => "PAYOUT1234567890",
      'status'         =>"'Success'",
      'amount'         => "100.00",
      'utr'            => "UTR987654321",
      'account'        => "1234567890",
      'ifsc'           => "HDFC0001234",
      'merchant_order' => "ORD123456"

}

Error Responses:

• Missing required fields: ERR100

• Invalid Merchant Key: ERR001

• Hash Mismatch: ERR002

• Insufficient balance: ERR005