Request Headers

Header Name	Header Value
`Content-Type`	application/json
`X-VERIFY`	SHA256(base64 encoded payload + ' /v3/debit/instant' + salt key) + '###' + salt index

{
 "merchantId": "DemoMerchant",
 "transactionId": "TX123456789",
 "userAuthToken":"1604832205579140b0931ce0abbb450b9a40e81ed06ce216",
 "amount": 100,
 "merchantOrderId": "OD1234",
 "subMerchant": "DemoMerchant",
 "message": "Payment for order OD1234"
}

{
 "request" : "ew0KCeKAnG1lcmNoYW50SWTigJ06IOKAnEpJT+KAnSwNCgnigJx0cmFuc2FjdGlvbklk4oCdOiDigJxUWE4xMjM0NeKAnSwNCgnigJxtZXJjaGFudE9yZGVySWTigJ0gOiDigJxPNDIzODTigJ0sDQoJ4oCcbW9iaWxlTnVtYmVy4oCdOiDigJw5ODc2NTQzMjEw4oCdLA0KCeKAnG1lcmNoYW50VXNlcklk4oCdOiDigJxVU0VSMTIzNDXigJ0sDQoJ4oCcZW1haWw6IOKAnG5pc2hhbnQubUBnbWFpbC5jb23igJ0sDQoJ4oCcc2hvcnROYW1l4oCdIDog4oCcTmlzaGFudCBNaXR0YWzigJ0NCn0="
}

Request Parameters

Parameter Name	Type	Description	Mandatory
`merchantId`	`string`	Unique `merchant id` assigned to the merchant	`Yes`
`transactionId`	`string`	Unique Transaction ID generated by the merchant to track this request to PhonePe	`Yes`
`amount`	`int`	Amount in paise	`Yes`
`mobileNumber`	`string`	Mobile number on which OTP will be sent	`Yes`
`merchantOrderId`	`string`	Order ID for the merchant transaction	`Yes`
`userAuthToken`	`string`	Auth token generated from otp verify	`Yes`
`email`	`string`	Email id of customer	`No`
`shortName`	`string`	Name of customer	`No`

Response Parameters

Parameter Name	Type	Description
`success`	`boolean`	Denotes if API call is successful.
`code`	`string`	See below for list of values
`data`	`object`	See below table
`message`	`string`	Short message about code

Response Codes

Code	Description
`INVALID_TRANSACTION_ID`	Duplicate `TransactionID`
`BAD_REQUEST`	Invalid request payload
`AUTHORIZATION_FAILED`	Incorrect X-VERIFY header
`INTERNAL_SERVER_ERROR`	Something went wrong
`INVALID_USER_AUTH_TOKEN`	The userAuthToken provided is either invalid or not mapped to merchant.
`PAYMENT_SUCCESS`	Payment is successful
`PAYMENT_ERROR`	Payment failed
`USER_BLACKLISTED`	Customer is blacklisted on PhonePe side
`MERCHANT_USER_NOT_FOUND`	No user exists for merchant id and user id combination.
`USER_BLOCKED`	User is blocked for 1 day.
`TIMED_OUT`	Payment timed out (Status check is required)

Response Data

Parameter Name	Type	Description
`transactionId`	`String`	Unique Transaction ID generated by the merchant to track this request to PhonePe
`merchantId`	`String`	Unique Merchant ID assigned to the merchant by PhonePe
`amount`	`Long`	Transaction amount in paise
`status`	`String`	Status of the request
`merchantUserId`	`String`	Unique ID assigned to the user by the merchant. This is used for linking the user’s PhonePe account.
`mobileNumber`	`String`	Mobile number of the user
`providerReferenceId`	`String`	PhonePe transaction id
`payResponseCode`	`String`	PhonePe internal status code