POSTInitiate DMT-Levin Transaction

Execute a DMT-Levin money transfer to a bank account after OTP verification.

POST/customer/payment/dmt-levin

Warning

The UAT environment is not available for this API — requests to https://staging.eko.in/ekoapi/v3 return an error response. Test it in Production.

The financial step in the DMT Levin 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 plus a unique client_ref_id per attempt. The response returns tid (Eko transaction ID) and bank_ref_num (the IMPS RRN/UTR); persist both with your client_ref_id for reconciliation.

If tx_status is any value other than those documented, treat the transaction as initiated and poll Transaction Inquiry until a final status is received.

Timeout: a transaction can time out due to a bad connection or a slow partner-bank response. Do not treat a timeout as declined or failed — look it up with Transaction Inquiry using your client_ref_id.

Refund: when a transaction fails, an OTP is automatically sent to the customer. Collect that OTP and call Get Refund OTP as consent that you refunded the cash to the customer; the eValue is then refunded to your account.

Request

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 value of the retailer from whom the request is coming.e.g. 17260001
`customer_id`	string	required	Sender's 10-digit mobile number.e.g. 8999999992
`recipient_id`	integer	required	Unique recipient ID from Add Recipient or Get Recipients.e.g. 10017680
`amount`	integer	required	Transfer amount in INR (must match the amount sent to Send Transaction OTP).e.g. 110
`otp`	string	required	OTP received from the Send Transaction OTP API.e.g. 778341
`otp_ref_id`	string	required	OTP reference ID from the Send Transaction OTP response.e.g. zCISyglexo0Pjqp4YrS2ssweuD9v1GxjISTW8wU7An8Wem1UyNws5830yh7q/sf5J4R3BY=
`client_ref_id`	string	required	Unique reference number from your system — make it as unique as possible so it never matches another partner's reference. Used for Transaction Inquiry lookup.e.g. RIM65656566
`timestamp`	string	required	Request date and time (`YYYY-MM-DD HH:mm:ss`).e.g. 2025-01-21 11:48:50
`currency`	string	required	Currency code. Always `INR`.e.g. INR
`channel`	integer	required	Send the fixed value 2.e.g. 2
`state`	string	required	Send the fixed value 1.e.g. 1
`recipient_id_type`	integer	required	Send the fixed value 1.e.g. 1
`latlong`Geolocation	string	required	GPS coordinates of the user from whom the request is coming, used in case of fraud — pass the valid location of the merchant's system. Format: <latitude,longitude>e.g. 26.8863786,75.7393589

initiator_idstringRequired

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

example: 9962981729

user_codestringRequired

User code value of the retailer from whom the request is coming.

example: 17260001

customer_idstringRequired

Sender's 10-digit mobile number.

example: 8999999992

recipient_idintegerRequired

Unique recipient ID from Add Recipient or Get Recipients.

example: 10017680

amountintegerRequired

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

example: 110

otpstringRequired

OTP received from the Send Transaction OTP API.

example: 778341

otp_ref_idstringRequired

OTP reference ID from the Send Transaction OTP response.

example: zCISyglexo0Pjqp4YrS2ssweuD9v1GxjISTW8wU7An8Wem1UyNws5830yh7q/sf5J4R3BY=

client_ref_idstringRequired

Unique reference number from your system — make it as unique as possible so it never matches another partner's reference. Used for Transaction Inquiry lookup.

example: RIM65656566

timestampstringRequired

Request date and time (`YYYY-MM-DD HH:mm:ss`).

example: 2025-01-21 11:48:50

currencystringRequired

Currency code. Always `INR`.

example: INR

channelintegerRequired

Send the fixed value 2.

example: 2

statestringRequired

Send the fixed value 1.

example: 1

recipient_id_typeintegerRequired

Send the fixed value 1.

example: 1

latlongstringRequired· Geolocation

GPS coordinates of the user from whom the request is coming, used in case of fraud — pass the valid location of the merchant's system. Format: <latitude,longitude>

example: 26.8863786,75.7393589

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
`325`	Transaction successful	—

Responses

325Transaction successful

statusnumber
Primary success indicator (0 = success).
messagestring
Human-readable response / error message.
response_status_idnumber
UI display hint only (-1/0 success, 1 failure, 2 initiated, 3 refund initiated, 4 refunded). Never branch on it — use `status` (and `tx_status` for financial APIs), or `response_type_id` where documented.
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=Initiated / Response Awaited (NEFT) — poll Transaction Inquiry, 3=Refund Pending, 4=Refunded, 6=Response Awaited — Transaction Inquiry required.
txstatus_descstring
Human-readable transaction status.
dataobject
API-specific response payload.
- tidstring
  Eko's internal transaction ID. Store for reconciliation and support queries.
- bank_ref_numstring
  Bank reference number (RRN / UTR) for the IMPS transaction.
- amountstring
  Amount transferred (INR).
- feestring
  Fee charged for the transfer (INR).
- collectable_amountstring
  Total collectable from the sender (INR).
- service_taxstring
  Service tax component on the fee (INR).
- tdsstring
  Tax deducted at source on the agent's commission (INR).
- commissionstring
  Commission earned by the agent on this transaction (INR).
- sender_namestring
  Name of the sender.
- recipient_namestring
  Name of the beneficiary credited.
- recipient_idnumber
  Recipient identifier credited.
- bankstring
  Beneficiary bank name.
- accountstring
  Beneficiary account number credited.
- channel_descstring
  Settlement channel used (e.g. IMPS).
- balancestring
  Agent wallet balance after the transaction (INR).
- remaining_limit_before_pan_requirednumber
  Amount the sender can still transfer before PAN becomes mandatory (INR).
- client_ref_idstring
  Echo of the partner reference sent in the request.
- currencystring
  Currency code.
- timestampstring
  Server-side timestamp of the transaction.

POSTInitiate DMT-Levin Transaction

Request

Body parameters

Response types

Responses

Next steps

Related