POSTAdd Recipient

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

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. On success a recipient_id is returned; use it in Send Transaction OTP and Execute Transaction. The system may validate the account via penny-drop before activating the recipient.

Tip

This endpoint is one step in a complete workflow:

DMT (Fino) — Send Money — Full Fino DMT money-transfer flow: look up the sender, onboard and biometric-eKYC them if new, pick or add the recipient, then send an OTP-verified transfer.

Request

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
`client_ref_id`	string	optional	Unique reference ID per API call, generated by your system (max 20 characters).e.g. 2026010100123456789
`recipient_mobile`	string	required	Beneficiary's 10-digit mobile number.e.g. 9002331157
`recipient_name`	string	required	Full name of the beneficiary as it appears on their bank account.e.g. yashwant basnett
`ifsc`	string	required	IFSC code of the beneficiary's bank branch.e.g. SBIN0007515
`account`	string	required	Beneficiary's bank account number.e.g. 38759149196

initiator_idstringRequired

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

example: 9962981729

client_ref_idstringoptional

Unique reference ID per API call, generated by your system (max 20 characters).

example: 2026010100123456789

recipient_mobilestringRequired

Beneficiary's 10-digit mobile number.

example: 9002331157

recipient_namestringRequired

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

example: yashwant basnett

ifscstringRequired

IFSC code of the beneficiary's bank branch.

example: SBIN0007515

accountstringRequired

Beneficiary's bank account number.

example: 38759149196

These headers authenticate and sign every request. See How Auth Works for details.

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

Response types

response_type_id	Meaning	Next step
`43`	Recipient added — proceed to Send Transaction OTP	Send Transaction OTP

Responses

43Recipient added — proceed to Send Transaction OTPNext:Send Transaction OTP

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 Transaction OTP and Execute Transaction.
- customer_idstring
  Sender's mobile number (echoed back).
- recipient_mobilestring
  Beneficiary mobile number (echoed back).
- initiator_idstring
  Partner initiator ID (echoed back).
- pipesobject
  Available settlement pipes for the new recipient.
- otp_ref_idstring
  OTP reference placeholder (empty on add).