---
title: "Add Recipient API Reference"
description: "Register a new beneficiary under a sender's DMT-Fino account."
canonical: "https://eps.eko.in/docs/dmt-add-recipient"
---


> **Canonical URL:** https://eps.eko.in/docs/dmt-add-recipient
> 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.

# Add Recipient API Reference

`POST https://staging.eko.in/ekoapi/v3/customer/payment/dmt-fino/sender/{customer_id}/recipient1`

Register a new beneficiary under a sender's DMT-Fino account.

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.

> View product & pricing details: [Domestic Money Transfer (DMT)](https://eps.eko.in/products/dmt-api.md)

## Path parameters

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

## Body parameters

| Field | Type | Required | Description |
| --- | --- | --- | --- |
| initiator_id | string | yes | Registered mobile number of the API user (see Platform Credentials). e.g. 9962981729 |
| user_code | string | yes | User code of the retailer/agent the service is run for. e.g. 20810200 |
| client_ref_id | string | no | Unique reference id per API call, generated by your system. e.g. REQ-20260101-001 |
| recipient_name | string | yes | Full name of the beneficiary as it appears on their bank account. e.g. Sunil Sharma |
| account | string | yes | Beneficiary's bank account number. e.g. 012345678901 |
| ifsc | string | yes | IFSC code of the beneficiary's bank branch. e.g. SBIN0001234 |
| bank_id | number | yes | Unique bank identifier from Eko's bank list API. e.g. 20 |
| recipient_mobile | string | yes | 10-digit mobile number of the recipient. e.g. 9988776655 |
| recipient_type | string | yes | Recipient type. Fixed value: "3" for DMT-Fino bank account recipients. e.g. 3 |

## Headers

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

## Response

⭐ marks fields highlighted as verifiable.

| Field | Type | Description |
| --- | --- | --- |
| status | number | Primary success indicator (0 = success). |
| message | string | Human-readable response / error message. |
| response_status_id | number | Granular status id; see the shared error-codes table. |
| response_type_id | number | A unique id for every possible response shape (success or error) — useful for client logic branching and analytics. |
| data | object | API-specific response payload. |
| data.recipient_id ⭐ | number | Unique identifier assigned to the newly added recipient. Required for Send OTP and Initiate Transfer. |
| data.recipient_name ⭐ | string | Name of the recipient as registered. |
| data.account | string | Bank account number of the recipient. |
| data.ifsc | string | IFSC code of the recipient's bank branch. |
| data.is_verified | boolean | Whether the account passed penny-drop verification. |

## Example request

```json
{
  "initiator_id": "9962981729",
  "user_code": "20810200",
  "client_ref_id": "REQ-20260101-001",
  "recipient_name": "Sunil Sharma",
  "account": "012345678901",
  "ifsc": "SBIN0001234",
  "bank_id": 20,
  "recipient_mobile": "9988776655",
  "recipient_type": "3"
}
```

## Example response

```json
{
  "status": 0,
  "response_status_id": 0,
  "message": "Recipient added successfully",
  "response_type_id": 1388,
  "data": {
    "recipient_id": 98765,
    "recipient_name": "Sunil Sharma",
    "account": "012345678901",
    "ifsc": "SBIN0001234",
    "is_verified": false
  }
}
```

## Error scenarios

| Status | Scenario |
| --- | --- |
| 200 | Recipient already registered for this sender |