POSTInitiate Transfer

Execute a DMT-Fino money transfer after OTP verification.

POST/customer/payment/dmt-fino

The final and only financial step in the DMT flow. Debits the agent's wallet and initiates an IMPS transfer to the registered recipient's bank account. Requires the OTP and otp_ref_id from Send Transaction OTP and the merchant's GPS coordinates (latlong). The response returns a tid (Eko transaction ID) and the banking UTR for the IMPS transaction. Always poll Get Transaction Status if tx_status is 2 (Awaited).

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_id`	number	required	Unique recipient ID from Add Recipient or Get Recipients.e.g. 98765
`amount`	number	required	Transfer amount in INR (must match the amount sent to Send OTP).e.g. 500
`customer_id`	string	required	Sender's 10-digit mobile number.e.g. 9123456789
`otp`	string	required	OTP entered by the customer, received on their registered mobile.e.g. 251834
`otp_ref_id`	string	required	OTP reference ID from the Send Transaction OTP response.e.g. TXNOTP20240101001
`latlong`	string	required	GPS coordinates of the agent/merchant's device at the time of transaction (required for regulatory compliance).e.g. 28.6139,77.2090
`state`	string	required	Fixed value: "1".e.g. 1
`recipient_id_type`	string	required	Fixed value: "1" for bank account recipients.e.g. 1
`channel`	number	optional	Transfer channel. Fixed value: 2 (IMPS). Defaults to 2.e.g. 2
`currency`	string	optional	Currency code. Defaults to "INR".e.g. INR
`timestamp`	string	optional	ISO 8601 request timestamp.e.g. 2024-01-01T10:30:00Z

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_idnumberRequired

Unique recipient ID from Add Recipient or Get Recipients.

example: 98765

amountnumberRequired

Transfer amount in INR (must match the amount sent to Send OTP).

example: 500

customer_idstringRequired

Sender's 10-digit mobile number.

example: 9123456789

otpstringRequired

OTP entered by the customer, received on their registered mobile.

example: 251834

otp_ref_idstringRequired

OTP reference ID from the Send Transaction OTP response.

example: TXNOTP20240101001

latlongstringRequired

GPS coordinates of the agent/merchant's device at the time of transaction (required for regulatory compliance).

example: 28.6139,77.2090

statestringRequired

Fixed value: "1".

example: 1

recipient_id_typestringRequired

Fixed value: "1" for bank account recipients.

example: 1

channelnumberoptional

Transfer channel. Fixed value: 2 (IMPS). Defaults to 2.

example: 2

currencystringoptional

Currency code. Defaults to "INR".

example: INR

timestampstringoptional

ISO 8601 request timestamp.

example: 2024-01-01T10:30:00Z

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.
tx_statusstring
Transaction state: 0=Success, 1=Fail, 2=Awaited, 3=Refund Pending, 4=Refunded, 5=On Hold.
txstatus_descstring
Human-readable transaction status.
dataobject
API-specific response payload.
- tidstring
  Eko's internal transaction ID. Use this for status enquiries and reconciliation.
- utrnumberstring
  Unique Transaction Reference (UTR) from the IMPS network — the banking-side reference number.
- amountnumber
  Amount transferred in INR.
- recipient_namestring
  Name of the beneficiary credited.
- accountstring
  Beneficiary account number credited.
- ifscstring
  IFSC code of the credited bank account.
- feenumber
  Transaction fee charged (in INR).
- commissionnumber
  Commission earned by the agent on this transaction (in INR).
- balancenumber
  Remaining wallet balance of the agent after the transaction.
- client_ref_idstring
  Your system's reference ID (echoed back).
- timestampstring
  Server-side timestamp of the transaction.