POSTSend Transaction OTP

Request an OTP to the sender's mobile number to authorise an upcoming money transfer.

POST/customer/payment/dmt-fino/otp

Sends an OTP to the sender's registered mobile number as a pre-authorisation step before initiating the actual money transfer. Provide the recipient_id, the transfer amount, and the sender's customer_id. The returned otp_ref_id must be passed to Initiate Transfer along with the OTP entered by the customer.

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 returned by Add Recipient or Get Recipients.e.g. 98765
`amount`	number	required	Transfer amount in INR (integer, no decimals).e.g. 500
`customer_id`	string	required	Sender's 10-digit mobile number.e.g. 9123456789

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 returned by Add Recipient or Get Recipients.

example: 98765

amountnumberRequired

Transfer amount in INR (integer, no decimals).

example: 500

customer_idstringRequired

Sender's 10-digit mobile number.

example: 9123456789

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.
- otp_ref_idstring
  Reference ID for the OTP sent. Must be passed to Initiate Transfer along with the customer-entered OTP.
- mobilestring
  Masked mobile number to which the OTP was sent (for display to agent/customer).