POSTAdd Recipient

POST/customer/payment/dmt-fino/sender/{customer_id}/recipient1

Adds a new beneficiary to the sender's saved recipients list. Provide the recipient's full name, bank account number, IFSC code, and mobile number. The bank_id identifies the destination bank (fetch from the bank list if needed). On success a recipient_id is returned; use it in Send OTP and Initiate Transfer. The system may validate the account via penny-drop before activating the recipient.

Path parameters

Field	Type	Required	Description
`customer_id`	string	required	Sender's 10-digit mobile number.e.g. 9123456789

customer_idstringRequired

Sender's 10-digit mobile number.

example: 9123456789

Body parameters

Field	Type	Required	Description
`initiator_id`	string	required	Registered mobile number of the API user (see Platform Credentials).e.g. 9962981729
`user_code`	string	required	User code of the retailer/agent the service is run for.e.g. 20810200
`client_ref_id`	string	optional	Unique reference id per API call, generated by your system.e.g. REQ-20260101-001
`recipient_name`	string	required	Full name of the beneficiary as it appears on their bank account.e.g. Sunil Sharma
`account`	string	required	Beneficiary's bank account number.e.g. 012345678901
`ifsc`	string	required	IFSC code of the beneficiary's bank branch.e.g. SBIN0001234
`bank_id`	number	required	Unique bank identifier from Eko's bank list API.e.g. 20
`recipient_mobile`	string	required	10-digit mobile number of the recipient.e.g. 9988776655
`recipient_type`	string	required	Recipient type. Fixed value: "3" for DMT-Fino bank account recipients.e.g. 3

initiator_idstringRequired

Registered mobile number of the API user (see Platform Credentials).

example: 9962981729

user_codestringRequired

User code of the retailer/agent the service is run for.

example: 20810200

client_ref_idstringoptional

Unique reference id per API call, generated by your system.

example: REQ-20260101-001

recipient_namestringRequired

Full name of the beneficiary as it appears on their bank account.

example: Sunil Sharma

accountstringRequired

Beneficiary's bank account number.

example: 012345678901

ifscstringRequired

IFSC code of the beneficiary's bank branch.

example: SBIN0001234

bank_idnumberRequired

Unique bank identifier from Eko's bank list API.

example: 20

recipient_mobilestringRequired

10-digit mobile number of the recipient.

example: 9988776655

recipient_typestringRequired

Recipient type. Fixed value: "3" for DMT-Fino bank account recipients.

example: 3

Headers

Field	Type	Required	Description
`developer_key`	string	required	Static API key issued to your account after KYC.
`secret-key`	string	required	Dynamic per-request signature: base64(HMAC-SHA256(timestamp, base64(access_key))).
`secret-key-timestamp`	string	required	Current time in milliseconds since UNIX epoch, used to compute secret-key. Must match server time.
`content-type`	string	required	application/jsone.g. application/json

developer_keystringRequired

Static API key issued to your account after KYC.

secret-keystringRequired

Dynamic per-request signature: base64(HMAC-SHA256(timestamp, base64(access_key))).

secret-key-timestampstringRequired

Current time in milliseconds since UNIX epoch, used to compute secret-key. Must match server time.

content-typestringRequired

application/json

example: application/json

Responses

statusnumber
Primary success indicator (0 = success).
messagestring
Human-readable response / error message.
response_status_idnumber
Granular status id; see the shared error-codes table.
response_type_idnumber
A unique id for every possible response shape (success or error) — useful for client logic branching and analytics.
dataobject
API-specific response payload.
- recipient_idnumber
  Unique identifier assigned to the newly added recipient. Required for Send OTP and Initiate Transfer.
- recipient_namestring
  Name of the recipient as registered.
- accountstring
  Bank account number of the recipient.
- ifscstring
  IFSC code of the recipient's bank branch.
- is_verifiedboolean
  Whether the account passed penny-drop verification.