Fetch Saved Instruments Token API

Your backend must call this API to fetch the SDK Token for User Accounts. This token should be passed to the PhonePe SDK to retrieve the customer’s saved payment instruments.

Environment

Environment	Http Method	API
`Sandbox`	`POST`	https://api-preprod.phonepe.com/apis/pg-sandbox/payments/v2/sdk/init
`Production`	`POST`	https://api.phonepe.com/apis/pg/payments/v2/sdk/init

Request

Request Headers

Header Name	Header Value	Description
`Content-Type`	application/json
`Authorization`	O-Bearer <access_token>	Pass `access_token` received in Authorization call

Request Parameters

Parameter Name	Type	Description
`amount`	Long	Transaction amount in paise, minimum value Rs.1 (100 Paise)

ℹ️ This behaviour is only applicable in UAT for testing purposes!

If the amount passed in the Fetch User Instruments Token API is Rs.100 (10000 in Paise) or less, the response will include FlashPe along with UPI Accounts.
If the amount passed is greater than Rs.100 (10000 in Paise), the response will include only UPI Accounts.

Sample Request

{
    "amount": 100
}

Response

Sample Response

{
    "token": "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",
    "expireAt": 1721203754311
}

Response Parameters

Parameter Name	Type	Description
`token`	String	Pass this SDK Token for User Accounts to the PhonePe SDK via the merchant app.
`expireAt`	Long	Expiry date in epoch

What’s next?

In the next section, you will learn how to Initialise the PhonePe User Account and get the user account.
Head over to next section to initialise and get the User Account.