Domestic Money Transfer API for Assisted Cash Remittance in India
Enable assisted domestic money transfers through retailers, agents, CSPs, and fintech platforms. Let customers send money to bank accounts across India using IMPS and NEFT, with real-time status updates and transaction receipts.
Key Features
Everything you need to integrate and scale
Real-time Transfers
Instant money transfers via IMPS with real-time status updates and confirmations.
Pan-India Coverage
Transfer money to any bank account across India with high success rate.
Real-time Webhooks
Receive instant notifications for transaction status updates via webhooks.
Secure Transactions
Bank-grade encryption and security for all transactions with audit trails.
24/7 Availability
Round-the-clock availability with reliable, high-volume workflows.
Why Choose Eko?
Best Success Rate
Industry-leading success rates with smart routing and automatic retries.
Earn Commission
Earn attractive commissions on every successful transaction processed through your platform.
Scalable Infrastructure
Handle millions of transactions with our enterprise-grade infrastructure.
Retailer Network
Build and manage a network of retailers for cash-in and cash-out services.
Regulatory Compliant
Built for regulated domestic money transfer workflows with partner onboarding, KYC, audit trails, and transaction controls.
Primary Use Cases
How to Integrate
Get started in minutes with our simple integration process
- 1
Sign Up
Sign up in minutes with your mobile number (OTP verify).
- 2
Verify Identity
Complete your basic KYC with PAN and address details to verify your identity.
- 3
Test APIs Live
Load funds into your wallet and test the verification APIs live — evaluate before you integrate.
- 4
Integrate with AI
Ready to build? Visit our AI hub for free plugins & tools to integrate faster.
- 5
Go Live
Get production credentials and start processing real transactions.
Frequently Asked Questions
How long does a transfer take?+
IMPS transfers are instant (within seconds). NEFT transfers are processed in batches throughout the day.
Is there a settlement delay?+
Settlement timelines depend on your agreement. Most partners receive T+1 settlements, with options for same-day settlements for high-volume partners.
How do I get started?+
Sign up at ekostore.app/eps, verify your identity with your PAN and address details, load your wallet to test the verification APIs live, then integrate and go live.
What is EPS?+
EPS (Eko Platform Services) is the technology arm of Eko, providing the developer tools, AI tools, and APIs that power modern fintech integration.
What are the different ways to integrate with Eko EPS?+
Integrate in whichever way suits your stack: call the REST APIs directly, use our official SDKs (JavaScript and PHP) to skip request-signing boilerplate, or let an AI coding agent build the integration using our MCP server and skills. See the Developers and AI sections for each path.
How does API authentication work?+
Each request carries your static `developer_key` header plus a per-request `secret-key` header — an HMAC-SHA256 signature of the current timestamp, keyed by your access key. The access key itself is never sent over the wire. You receive UAT keys on signup and production keys after KYC.
Is there a sandbox environment for testing?+
Yes. A full sandbox environment is available immediately on signup. You can test your integration end-to-end before going live — no commitment required.
What are the sandbox and production base URLs?+
Sandbox and production share the same paths and differ only by base URL: use https://staging.eko.in/ekoapi/v3 for UAT / Sandbox, and https://api.eko.in/ekoicici/v3 for Production. A common cause of failures is calling the sandbox/staging URL with live credentials (or vice-versa) — make sure the base URL matches the keys you are using.
Do I need to whitelist my server IP?+
Production API access may require your static public (server) IP to be whitelisted. If your calls work from Postman but fail or time out from your own server, share your static public IP with us so we can whitelist it.
What response times can I expect?+
Most verification APIs return in real time with sub-second responses, and 99th-percentile latency stays under two seconds across verification endpoints. Transaction APIs (DMT, AePS, BBPS) respond within seconds.
Can the API handle high volumes?+
Yes. The API is designed to handle large-scale volumes reliably without performance degradation.
How is API usage billed?+
Usage is billed per successful API call with no minimum commitment. Volume-based pricing tiers are available — contact our team for detailed rates.
Recommended Solution Packs
Pre-bundled API stacks that include Domestic Money Transfer API, designed for common industry workflows.
Get API Access
Sign up now and start integrating in minutes. Our team will help you go live quickly.
- Sandbox access in minutes
- Dedicated integration support
- Comprehensive documentation
- Reliable, high-volume workflows
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