Direct Transfer V1.2

Use this API to initiate amount transfers directly to the beneficiary account via a bank transfer or UPI. You can add the beneficiary details in the same API request.

Click here to view all the response codes.

Response Codes

Sub CodeStatusMessage
200SUCCESSTransfer completed successfully.
201SUCCESSTransfer Scheduled for next working day.
201PENDINGAwaiting confirmation from beneficiary bank.
201PENDINGTransfer request pending at the bank.
202PENDINGRequest received. Please check status after some time.
400ERRORMultiple PaymentInstruments available for this payment mode.
400ERRORTransfer amount is less than minimum amount of Rs. 1.
400ERRORSpecified paymentInstrumentId not valid for this payment mode.
400ERRORSpecified paymentInstrumentId not available.
400ERRORTransfer amount is greater than the maximum amount of Rs.100000.
400/520ERRORTransfer attempt failed at the bank.
403ERRORTransfer to this beneficiary not allowed.
403ERRORAPIs not enabled. Please reach out to [email protected]
403ERRORToken is not valid
403ERRORIP not whitelisted
403ERRORThis feature is not available for your account.
403ERRORTransfer mode is not available for your account.
404ERRORBeneficiary does not exist.
409ERRORTransfer Id already exists.
409ERRORInternal error. Please re-initiate the transfer request
412ERRORToken missing in the request.
412ERRORBeneId missing in the request.
412ERRORAmount missing in the request.
412ERRORTransferId missing in the request.
412ERRORNot enough available balance in the account.
412ERRORPlease wait 30 minutes after adding the beneficiary.
412ERRORTransfer limit for beneficiary exceeded.
412ERRORTransfer limit for your account exceeded.
412ERRORInvalid transfer mode passed in the request.
412ERRORTransfer mode not enabled for the account.
412ERRORInvalid Tag passed in the request.
422FAILEDBeneficiary details are missing in the request.
422ERRORInvalid amount passed.
422ERRORInvalid transferId passed.
422ERRORNo Payee Virtual Address associated with the beneficiary.
422ERRORRemarks can have only numbers, alphabets and whitespaces.
422ERRORBeneficiary details not valid.
422ERRORNo Bank account or IFSC associated with the beneficiary.
422ERRORInvalid IFSC code provided for bank account.
422ERRORInvalid bank account number or IFSC provided.
422ERRORTransfer request to paytm wallet failed.
520ERRORTransfer request triggered.No response from bank.

Note: If you are attempting to create a transfer in the Sandbox environment, you can obtain the test data details from this link.