Create a payout transfer from your merchant wallet to a beneficiary bank account.

At a glance

Purpose: Create a new bank payout transfer
Success response: 202 INITIATED
Processing: Asynchronous
Required payout mode: BANK TRANSFER

Request flow

Authenticate the request

Send both apiKey and secretKey in the request headers.
Create a unique reference

Generate a new 12-digit refId for every transfer. Reusing a refId returns a duplicate reference error.
Add beneficiary details

Provide benName, benAccount, and benIfsc in customerDetails.
Choose the transfer rail

Set paymentDetails.mode to BANK TRANSFER, then send the matching subMode and bankCode.

Transfer mode mapping

Use one of these supported pairs:

IMPS: use subMode as IMPS and bankCode as BTIM.
NEFT: use subMode as NEFT and bankCode as BTNE.
RTGS: use subMode as RTGS and bankCode as BTRT.

Important: paymentDetails.mode must be exactly BANK TRANSFER, including uppercase letters and the space between words.

Success response

A successful request returns 202 with status INITIATED. This means the transfer request was accepted and processing continues asynchronously.

Store these response identifiers:

txnId: Accosis transaction identifier.
refId: Your merchant-generated transaction reference.

Error handling

400 validation error: Correct the invalid amount, IFSC, account number, or transfer mode.
401 authentication error: Send both authentication headers and verify the credentials.
402 insufficient balance: Add funds to your merchant wallet or reduce the transfer amount.
403 IP not whitelisted: Add your server IP address in the developer dashboard.
409 duplicate reference: Generate a new 12-digit unique numeric refId.
422 inactive wallet or processor: Contact support to enable payouts.
500 internal error: Retry after some time.

202Transfer Request Accepted

400Validation error

401Authentication error

402Insufficient funds

403Forbidden – IP not whitelisted

409Duplicate reference ID

422Wallet or processor inactive

500Internal error