POSTVerify Sender OTP

Verify the sender OTP to authenticate the DigiKhata wallet and return the sender's profile and balance.

POST/customer/payment/ppi-digikhata/sender/{customer_id}/otp/verify

Validates the OTP issued by Get Sender Information / Onboard Sender / Generate Sender OTP. For an existing sender the response returns the full wallet customer_profile (limits, balance, KYC state). For a new sender the flow continues to Aadhaar validation (Aadhar Validation Pending).

Request

Path parameters

Field	Type	Required	Description
`customer_id`	string	required	Sender's 10-digit mobile number.e.g. 8617567988

customer_idstringRequired

Sender's 10-digit mobile number.

example: 8617567988

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
`otp`	integer	required	OTP received from Get Sender Information, Onboard Sender, or Generate Sender OTP.e.g. 123456
`otp_ref_id`	integer	required	otp_ref_id received from Get Sender Information, Onboard Sender, or Generate Sender OTP.e.g. 66748392

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

otpintegerRequired

OTP received from Get Sender Information, Onboard Sender, or Generate Sender OTP.

example: 123456

otp_ref_idintegerRequired

otp_ref_id received from Get Sender Information, Onboard Sender, or Generate Sender OTP.

example: 66748392

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

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.
- customer_profileobject
  Sender's wallet profile — limits, balance, KYC state, and usage chart.
  - namestring
    Registered name of the sender.
  - mobilestring
    Sender's mobile number.
  - total_monthly_limitstring
    Total monthly transfer limit (INR).
  - next_allowed_limitstring
    Remaining transfer limit for the period (INR).
  - balancestring
    Current wallet balance (INR).
  - kyc_statenumber
    KYC completion state.
- sender_namestring
  Registered name of the sender.

Next steps

NextPOSTGenerate Sender Aadhaar OTPValidate a DigiKhata sender's Aadhaar number and trigger an OTP to the linked mobile.

import { EpsClient } from "@ekoindia/eps-sdk";

const client = new EpsClient({

developerKey: process.env.EPS_DEVELOPER_KEY,

accessKey: process.env.EPS_ACCESS_KEY,

initiatorId: "9962981729",

environment: "sandbox",

});

const result = await client.call("ppi-digikhata-verify-otp", {

"customer_id": "8617567988",

"otp": 123456,

"otp_ref_id": 66748392

});

console.log(result);

{

"response_status_id": -1,

"data": {

"customer_profile": {

"total_monthly_limit": "50000.0",

"mobile": "8617567988",

"kyc_id": "",

"ekyc_enabled": 0,

"kyc_validity": "",

"kyc_remark": "",

"kyc_type": "",

"balance": "0.00",

"next_allowed_limit": "50000.0",

"name": "Yashwant Basnett",

"digital_ekyc": 0,

"chart": [

{

"data_type_id": 10,

"data": {

"unavailable": 0,

"used": 0,

"remaining": 50000

"label": ""

}

"email": "",

"kyc_state": 1

"wallet_token": "",

"id_proof_type_id": "",

"is_registered": 0,

"id_proof": "",

"otpOptionalSum": "",

"sender_name": "Yashwant Basnett",

"otpNotRequiredSum": "",

"ekyc_enabled": "",

"wallet_id": "",

"otpNotRequiredSumNeft": "",

"next_allowed_limit": 50000,

"account": "",

"kyc_state": 0,

"otpOptionalSumNeft": ""

"response_type_id": 309,

"message": "Success!",

"status": 0

}

Request

Path parameters

Body parameters

Responses

Next steps

Related