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Using Phone Number and Last 4 digits of Credit Card

In this article, you will learn how to transfer money using only the phone number and last 4 digits of the credit card of the beneficiary.

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How does Payouts Through Phone Number Work?

You can initiate payouts to do credit card bill payments using the registered phone number and last 4 digits of the credit card of the beneficiary.

Please contact your account manager for more information and to get added into the priority list.

Transfer APIs

Use our APIs to initiate payouts to beneficiaries with only their phone number and last 4 digits of credit card.

curl --location 'https://payout-api.cashfree.com/payout/v1.2/directTransfer' \
--header 'Authorization: Bearer [TOKEN]' \
--header 'Content-Type: application/json' \
--data-raw '{
  "beneId": "success_bene_ccphone",
  "amount": "7",
  "transferId": "test_sunilt38338437363",
  "transferMode": "ccPhone"
   "paymentInstrumentId" : "YES_CONNECTED_383820_799d935"
}

curl --location 'https://payout-api.cashfree.com/payout/v1.2/directTransfer' \
--header 'Authorization: Bearer [TOKEN]' \
--header 'Content-Type: application/json' \
--data-raw '{
    "amount": "1",
    "transferId": "YES_CONNECTED_383820_799d935_4",
    "transferMode": "ccPhone",
    "remarks": "test",
    "beneDetails": {
        "bankCode": "FDRL",
        "cardLastFourDigits": "1862",
        "name": "Cashfree Payments India Private Limited",
        "email": "[email protected]",
        "phone": "9999999999",
        "address1": "NA"
    },
  "paymentInstrumentId" : "YES_CONNECTED_383820_799d935"
}

📘

Standard transfer

To transfer money using standard transfer request, ensure you add the last 4 digits of the credit card while creating the beneficiary.

Bank codes

Find the bank codes to pass in the API request below:

BankBank Code
Axis BankUTIB
Kotak Mahindra BankKKBK
Punjab National BankPUNB
Federal BankFDRL
AU Small Finance Bank LTDAUBL

Response codes

View the 2XX response codes below:

{
  "status": "SUCCESS",
  "subCode": "200",
  "message": "Transfer completed successfully",
  "data": {
    "referenceId": "10023",
    "utr": "P16111765023806",
    "acknowledged": 1
  }
}

{
    "status": "PENDING",
    "subCode": "201",
    "message": "Transfer request pending at the bank",
    "data": {
        "referenceId": "1387592652",
        "utr": "",
        "acknowledged": 0
    }
}

View the 4XX response codes below:

{
    "status": "ERROR",
    "subCode": "400",
    "message": "Transfer amount is less than minimum amount of Rs.1"
}

{
    "status": "ERROR",
    "subCode": "404",
    "message": "Beneficiary does not exist"
}

{
    "status": "ERROR",
    "subCode": "409",
    "message": "Transfer Id already exists"
}

{
    "status": "ERROR",
    "subCode": "412",
    "message": "Not enough available balance in the account"
}

// Case 1
{
    "status": "ERROR",
    "subCode": "422",
    "message": "Invalid params passed in the request"
}

//Case 2 

{
    "status": "ERROR",
    "subCode": "422",
    "message": "Please provide a valid Phone"
}

//Case 3

{
    "status": "ERROR",
    "subCode": "422",
    "message": "Invalid Mode. Allowed modes are [ 'banktransfer' 'neft' 'imps' 'rtgs' 'upi' 'paytm' 'amazonpay']"
}

Name Match Verification

We ensure the correct beneficiary receives the transfer amount using the name match verification method.

Updated about 2 months ago