---
title: "Developer Documentation"
description: "API reference and integration guides for Eko's KYC, verification, payment and banking REST APIs."
canonical: "https://eps.eko.in/docs"
---


> **Canonical URL:** https://eps.eko.in/docs
> This is a machine-readable Markdown version of the page for AI agents and LLMs. The primary (HTML) version lives at the canonical URL above.

# Developer Documentation

Integrate Eko's KYC, verification, payment and banking APIs. Each endpoint is documented with parameters, responses, code samples and a live request console.

## Getting started

- **Get credentials** — Eko's UAT / sandbox is self-serve. Sign up at https://eps.eko.in/signup for your developer key and access key (no KYC to start testing). Credentials issued after organizational KYC.
- **Know your environments** — UAT / Sandbox: `https://staging.eko.in/ekoapi/v3`, Production: `https://api.eko.in/ekoicici/v3`. The full endpoint URL is always `baseUrl + path`.
- **Sign every request** — send these headers on every call: `developer_key`, `secret-key`, `secret-key-timestamp`, `content-type`. The `secret-key` is a per-request HMAC signature — see [How Auth Works](https://eps.eko.in/docs/how-auth-works).
- **Make your first call** — pick an endpoint below (start with PAN Lite), drop in your credentials, and send it.
- **Handle the response** — EPS APIs share a common envelope: `status` (`0` = success), `response_status_id`, `message`, and the payload under `data`. See [Status & Error Codes](https://eps.eko.in/docs/error-codes).

## Banking & Cash

- [Get Sender Profile](https://eps.eko.in/docs/dmt-get-sender) (GET) — Domestic Money Transfer (DMT) › Fino › Sender
- [Onboard Sender](https://eps.eko.in/docs/dmt-onboard-sender) (POST) — Domestic Money Transfer (DMT) › Fino › Sender
- [Sender eKYC (Biometric)](https://eps.eko.in/docs/dmt-fino-sender-ekyc) (PUT) — Domestic Money Transfer (DMT) › Fino › Sender
- [Validate eKYC OTP](https://eps.eko.in/docs/dmt-fino-validate-ekyc-otp) (PUT) — Domestic Money Transfer (DMT) › Fino › Sender
- [Get Recipients](https://eps.eko.in/docs/dmt-get-recipients) (GET) — Domestic Money Transfer (DMT) › Fino › Recipients
- [Add Recipient](https://eps.eko.in/docs/dmt-add-recipient) (POST) — Domestic Money Transfer (DMT) › Fino › Recipients
- [Send Transaction OTP](https://eps.eko.in/docs/dmt-send-otp) (POST) — Domestic Money Transfer (DMT) › Fino › Transaction
- [Initiate Transfer](https://eps.eko.in/docs/dmt-initiate-transfer) (POST) — Domestic Money Transfer (DMT) › Fino › Transaction
- [Validate Aadhaar & Generate OTP](https://eps.eko.in/docs/aadhaar-dmt-levin-validate) (POST) — Domestic Money Transfer (DMT) › Levin › Sender
- [Validate Sender Aadhaar OTP](https://eps.eko.in/docs/aadhaar-dmt-levin-verify-otp) (POST) — Domestic Money Transfer (DMT) › Levin › Sender
- [AePS Cash Withdrawal](https://eps.eko.in/docs/aeps-cash-withdrawal) (POST) — AePS Cashout
- [AePS Balance Enquiry](https://eps.eko.in/docs/aeps-balance-enquiry) (POST) — AePS Cashout
- [Activate AePS Fingpay for Agent](https://eps.eko.in/docs/aeps-activate-fingpay) (PUT) — AePS Cashout
- [AePS Fingpay — Daily Authentication (2FA)](https://eps.eko.in/docs/aeps-daily-auth) (POST) — AePS Cashout
- [Initiate Settlement](https://eps.eko.in/docs/aeps-initiate-settlement) (POST) — AePS Cashout
- [AePS Mini Statement](https://eps.eko.in/docs/aeps-mini-statement) (POST) — AePS Cashout
- [AePS Aadhaar Pay](https://eps.eko.in/docs/aeps-aadhaar-pay) (POST) — AePS Cashout
- [AePS Fingpay — Send OTP (eKYC)](https://eps.eko.in/docs/aeps-send-otp-kyc) (POST) — AePS Cashout
- [AePS Fingpay — Biometric eKYC](https://eps.eko.in/docs/aeps-biometric-ekyc) (POST) — AePS Cashout
- [Add Settlement Bank Account](https://eps.eko.in/docs/aeps-add-settlement-account) (POST) — AePS Cashout
- [Get Settlement Bank Accounts](https://eps.eko.in/docs/aeps-get-settlement-accounts) (GET) — AePS Cashout
- [Validate Aadhaar](https://eps.eko.in/docs/aadhaar-ppi-levin-validate) (POST) — PPI Wallet › Levin › Sender
- [Validate Aadhaar OTP](https://eps.eko.in/docs/aadhaar-ppi-levin-verify-otp) (POST) — PPI Wallet › Levin › Sender
- [Get Sender Information](https://eps.eko.in/docs/ppi-levin-get-sender) (GET) — PPI Wallet › Levin › Sender
- [Onboard Sender](https://eps.eko.in/docs/ppi-levin-onboard-sender) (POST) — PPI Wallet › Levin › Sender
- [Verify Sender OTP](https://eps.eko.in/docs/ppi-levin-verify-otp) (POST) — PPI Wallet › Levin › Sender
- [Validate PAN](https://eps.eko.in/docs/ppi-levin-validate-pan) (POST) — PPI Wallet › Levin › Sender
- [Get List of Recipients](https://eps.eko.in/docs/ppi-levin-get-recipients) (GET) — PPI Wallet › Levin › Recipients
- [Add Recipient](https://eps.eko.in/docs/ppi-levin-add-recipient) (POST) — PPI Wallet › Levin › Recipients
- [Add Recipient Bank](https://eps.eko.in/docs/ppi-levin-add-recipient-bank) (POST) — PPI Wallet › Levin › Recipients
- [Initiate Transaction](https://eps.eko.in/docs/ppi-levin-initiate-transaction) (POST) — PPI Wallet › Levin › Transaction
- [Send Transaction OTP](https://eps.eko.in/docs/ppi-levin-send-transaction-otp) (POST) — PPI Wallet › Levin › Transaction
- [Get Sender Information](https://eps.eko.in/docs/ppi-digikhata-get-sender) (GET) — PPI Wallet › DigiKhata › Sender
- [Onboard Sender](https://eps.eko.in/docs/ppi-digikhata-onboard-sender) (POST) — PPI Wallet › DigiKhata › Sender
- [Generate Sender Verification OTP](https://eps.eko.in/docs/ppi-digikhata-generate-sender-otp) (POST) — PPI Wallet › DigiKhata › Sender
- [Verify Sender OTP](https://eps.eko.in/docs/ppi-digikhata-verify-otp) (POST) — PPI Wallet › DigiKhata › Sender
- [Generate Sender Aadhaar OTP](https://eps.eko.in/docs/ppi-digikhata-generate-aadhaar-otp) (POST) — PPI Wallet › DigiKhata › Sender
- [Validate Sender Aadhaar OTP](https://eps.eko.in/docs/ppi-digikhata-verify-aadhaar-otp) (POST) — PPI Wallet › DigiKhata › Sender
- [Validate Sender PAN](https://eps.eko.in/docs/ppi-digikhata-validate-pan) (POST) — PPI Wallet › DigiKhata › Sender
- [Load Sender DigiKhata Wallet](https://eps.eko.in/docs/ppi-digikhata-load-wallet) (POST) — PPI Wallet › DigiKhata › Sender
- [Get Aadhaar KYC Consent Languages](https://eps.eko.in/docs/ppi-digikhata-consent-languages) (GET) — PPI Wallet › DigiKhata › Sender
- [Get Aadhaar KYC Consent Details](https://eps.eko.in/docs/ppi-digikhata-consent-details) (GET) — PPI Wallet › DigiKhata › Sender
- [Get List of Recipients](https://eps.eko.in/docs/ppi-digikhata-get-recipients) (GET) — PPI Wallet › DigiKhata › Recipients
- [Add Recipient](https://eps.eko.in/docs/ppi-digikhata-add-recipient) (POST) — PPI Wallet › DigiKhata › Recipients
- [Generate Add Recipient Bank OTP](https://eps.eko.in/docs/ppi-digikhata-recipient-bank-otp) (POST) — PPI Wallet › DigiKhata › Recipients
- [Validate OTP to Add Recipient](https://eps.eko.in/docs/ppi-digikhata-validate-recipient-otp) (POST) — PPI Wallet › DigiKhata › Recipients
- [Initiate Transaction](https://eps.eko.in/docs/ppi-digikhata-initiate-transaction) (POST) — PPI Wallet › DigiKhata › Transaction
- [Send Transaction OTP](https://eps.eko.in/docs/ppi-digikhata-send-transaction-otp) (POST) — PPI Wallet › DigiKhata › Transaction
- [Onboard User](https://eps.eko.in/docs/onboard-user) (POST) — User & Agent Management
- [Get User's Services](https://eps.eko.in/docs/get-user-services) (GET) — User & Agent Management
- [Get All Services](https://eps.eko.in/docs/get-all-services) (GET) — User & Agent Management
- [Get Settlement Account Balance](https://eps.eko.in/docs/get-wallet-balance) (GET) — User & Agent Management
- [Onboard Customer](https://eps.eko.in/docs/onboard-customer) (POST) — Customer Management
- [Get Customer Information](https://eps.eko.in/docs/get-customer-info) (GET) — Customer Management
- [Verify Customer OTP](https://eps.eko.in/docs/verify-customer-otp) (POST) — Customer Management


## Payments

- [Transaction Inquiry](https://eps.eko.in/docs/transaction-inquiry) (GET) — Transactions & Refunds
- [Get Refund OTP](https://eps.eko.in/docs/get-refund-otp) (POST) — Transactions & Refunds
- [Initiate Refund](https://eps.eko.in/docs/initiate-refund) (POST) — Transactions & Refunds
- [Get Bank Details](https://eps.eko.in/docs/get-bank-details) (GET) — Utility & Helper APIs
- [Get IFSC Details](https://eps.eko.in/docs/get-ifsc-details) (GET) — Utility & Helper APIs
- [Get BBPS Categories](https://eps.eko.in/docs/bbps-get-categories) (GET) — Bharat Bill Payment System (BBPS)
- [Get BBPS Locations](https://eps.eko.in/docs/bbps-get-locations) (GET) — Bharat Bill Payment System (BBPS)
- [Get BBPS Operators](https://eps.eko.in/docs/bbps-get-operators) (GET) — Bharat Bill Payment System (BBPS)
- [Get Operator Parameters](https://eps.eko.in/docs/bbps-get-operator-parameters) (GET) — Bharat Bill Payment System (BBPS)
- [Fetch BBPS Bill](https://eps.eko.in/docs/bbps-fetch-bill) (GET) — Bharat Bill Payment System (BBPS)
- [Pay BBPS Bill](https://eps.eko.in/docs/bbps-pay-bill) (POST) — Bharat Bill Payment System (BBPS)
- [Activate BBPS Service](https://eps.eko.in/docs/bbps-activate-service) (PUT) — Bharat Bill Payment System (BBPS)
- [Get Operator Code and Circle](https://eps.eko.in/docs/bbps-operator-code-circle) (GET) — Bharat Bill Payment System (BBPS)


## Verification

- [PAN Lite](https://eps.eko.in/docs/pan-lite) (POST) — PAN Verification
- [PAN Advanced](https://eps.eko.in/docs/pan-advanced) (POST) — PAN Verification
- [Bulk PAN Verification](https://eps.eko.in/docs/pan-bulk-verify) (POST) — PAN Verification
- [Bank Account Verification](https://eps.eko.in/docs/bank-account-verification) (POST) — Bank Account Verification
- [Bulk Bank Account Verification](https://eps.eko.in/docs/bulk-bank-account-verification) (POST) — Bank Account Verification
- [GST Verification](https://eps.eko.in/docs/verify-gstin) (POST) — GST Verification
- [Fetch GSTINs by PAN](https://eps.eko.in/docs/gstin-with-pan) (POST) — GST Verification
- [Create DigiLocker URL](https://eps.eko.in/docs/digilocker-create-url) (POST) — DigiLocker Integration
- [Get DigiLocker Document](https://eps.eko.in/docs/digilocker-get-document) (POST) — DigiLocker Integration
- [UPI ID (VPA) Verification](https://eps.eko.in/docs/upi-validate-vpa) (POST)
- [Driving License Verification](https://eps.eko.in/docs/driving-license) (POST)
- [Vehicle & RC Verification](https://eps.eko.in/docs/vehicle-rc) (POST)
- [Employee Verification (Advance)](https://eps.eko.in/docs/advance-employment) (POST)
- [Reverse Geocoding](https://eps.eko.in/docs/reverse-geocoding) (POST)
- [Voter ID Verification](https://eps.eko.in/docs/voter-id) (POST)
- [Passport Verification](https://eps.eko.in/docs/passport) (POST)
- [CIN Verification](https://eps.eko.in/docs/cin) (POST)
- [IP Verification](https://eps.eko.in/docs/ip) (POST)
- [Name Match API](https://eps.eko.in/docs/name-match) (POST)
- [ITR Compliance Check](https://eps.eko.in/docs/itr-compliance) (POST)
- [DIN Verification](https://eps.eko.in/docs/din-verification) (POST)
- [E-Challan Verification](https://eps.eko.in/docs/e-challan) (POST)
- [Email Verification](https://eps.eko.in/docs/check-email) (POST)
- [FSSAI License Verification](https://eps.eko.in/docs/fetch-fssai) (POST)