Single Payout Transfer

API Version: 3.0.0

Send funds to one beneficiary at a time. Each request specifies payment mode, amount, beneficiary bank details, and a checksum for payload integrity.

Generate a Bearer token first — see Create Authentication Token.

Endpoint

Method	URL
POST	`https://payout.payorc.com/v1/transfer`

Headers

Header	Type	Required	Description
`Authorization`	String	Yes	`Bearer` token from `GET /v1/token`
`Content-Type`	String	Yes	`application/json`

Request Body

Field	Type	Required	Description
`reference_no`	String	Yes	Unique merchant reference (max 35 chars; letters, numbers, hyphen only)
`payment_mode`	String	Yes	`NEFT`, `RTGS`, `IFT`, `IMPSP2A`, or `IMPSP2P` (must be enabled on your MID)
`amount`	String/Number	Yes	Positive amount, max 2 decimal places. RTGS requires ≥ ₹2,00,000
`currency`	String	Yes	ISO 4217 code (e.g. `INR`). Must match your MID currency
`remark`	String	No	Transfer remark (max 40 chars; may be omitted or `""`)
`callback_url`	String	Yes	Must be present. HTTPS webhook URL (max 100 chars), or `""` if not used
`checksum`	String	Yes	64-character lowercase SHA-256 hex (see Checksum)
`beneficiary`	Object	Yes	Beneficiary bank details (see below)

`beneficiary` Object

The beneficiary object is required. All keys below must be present in every request. Use "" for fields not applicable to the payment mode.

Field	Type	Key required	Value required	Description
`account_number`	String	Yes	Conditional	9–18 digit account number (`NEFT`/`RTGS`/`IFT`/`IMPSP2A`)
`account_type`	String	Yes	Conditional	`SA`, `CA`, `OD`, `CC`, `LA`, `NRE`, `FCRA` (`NEFT`/`RTGS`)
`ifsc`	String	Yes	Conditional	IFSC code `XXXX0XXXXXX` (`NEFT`/`RTGS`/`IMPSP2A`)
`branch`	String	Yes	Conditional	Up to 4 characters (`IFT`)
`name`	String	Yes	Yes	3–35 chars; letters and spaces only
`email`	String	Yes	No	Valid email or `""`
`mobile`	String	Yes	Conditional	10- or 12-digit mobile (`IMPSP2P`; validated when non-empty)
`mmid`	String	Yes	Conditional	Exactly 7 characters (`IMPSP2P`)
`lei_code`	String	Yes	Conditional	LEI format; mandatory for `NEFT` when amount > ₹50 crore
`nre_flag`	String	Yes	Conditional	`EX` or `""` (`NEFT`/`RTGS`)

Payment-mode-specific requirements

Mode	Required beneficiary fields
`NEFT`	`account_number`, `account_type`, `name`, `ifsc`, `nre_flag`
`RTGS`	Same as NEFT; amount must be ≥ 2,00,000
`IFT`	`account_number`, `branch`
`IMPSP2A`	`account_number`, `ifsc`
`IMPSP2P`	`mobile`, `mmid`

Checksum

Build the canonical string (pipe-separated, trimmed values):

reference_no|amount|currency|payment_mode|account_number|account_type|callback_url

Hash with SHA-256 and send the lowercase hex digest as checksum.

Example:

REF-001|100.00|INR|NEFT|200060539673|SA|https://yourdomain.com/webhooks/payout

Compute the checksum on your server before sending the request. Use SHA-256 over the UTF-8 canonical string and send the lowercase hex digest (64 characters) in the checksum field.

Code Examples

curl --location 'https://payout.payorc.com/v1/transfer' \
--header 'Authorization: Bearer YOUR_TOKEN' \
--header 'Content-Type: application/json' \
--data-raw '{
    "reference_no": "REF-001",
    "payment_mode": "NEFT",
    "amount": "100.00",
    "remark": "Invoice payment",
    "currency": "INR",
    "callback_url": "https://yourdomain.com/webhooks/payout",
    "checksum": "YOUR_64_CHAR_SHA256_HEX",
    "beneficiary": {
        "account_number": "200060539673",
        "account_type": "SA",
        "ifsc": "INDB0000539",
        "branch": "",
        "name": "John Doe",
        "email": "[email protected]",
        "mobile": "9876543210",
        "mmid": "",
        "lei_code": "",
        "nre_flag": "EX"
    }
}'

Response — Success (200)

{
    "data": {
        "reference_no": "REF-001",
        "transaction_id": "PY260217164600000007",
        "status": "QUEUED",
        "amount": "100.00",
        "currency": "INR"
    },
    "message": "Payout queued successfully",
    "status": "success",
    "code": "00"
}

Response Fields

Field	Type	Description
`data.reference_no`	String	Your reference number
`data.transaction_id`	String	PayOrc payout ID
`data.status`	String	Initial status — `QUEUED`
`data.amount`	String	Transfer amount
`data.currency`	String	Currency code
`message`	String	`Payout queued successfully`
`status`	String	`success`
`code`	String	`00`

Response — Error (4xx)

{
    "message": "reference_no already exists",
    "status": "fail",
    "code": "E1001"
}

Code	Meaning
`E0021`	Validation error (invalid field, checksum format, etc.)
`E0401`	Unauthorized — invalid or expired token
`E1001`	Duplicate `reference_no`

Checksum mismatch returns HTTP 401 with message Checksum verification failed (code E0021).

Insufficient balance returns Insufficient merchant balance (code E0021). MID or PSP selection failed is returned when no routing MID is configured.

Single Payout Transfer

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