m2pfintech
API LibraryBalance And Transactions

Credit funds to a wallet (load money)

Load funds into a customer wallet. This API credits the specified amount to the wallet associated with the provided kit number.

Idempotent on the externalTransactionId field. If the same externalTransactionId is sent again, the system returns the original transaction result without processing a duplicate credit.

The transactionType field indicates the nature of the credit. Common values are M2C (merchant-to-customer transfer), LOAD (wallet loading), and REFUND (refund of a previous purchase).

The amount must be a positive number. Currency defaults to INR if not specified.

POST
/Yappay/transaction-manager/credit

Authorization

BearerAuth TenantHeader
AuthorizationBearer <token>

JWT Bearer token obtained from the /auth/login endpoint

In: header

TENANT<token>

Tenant identifier provided by M2P (e.g. ENBDTABBY)

In: header

Request Body

application/json

kitNo*string

Kit number of the card or wallet to credit

amount*number

Amount to credit. Must be greater than zero.

Formatdouble
Range0.01 <= value
currency?string

Currency code in ISO 4217 format. Defaults to INR if not provided.

Default"INR"
externalTransactionId*string

Your unique reference number for this transaction. Used for idempotency - duplicate requests with the same ID return the original result.

transactionType*string

Nature of the credit. M2C for merchant-to-customer transfer, LOAD for wallet loading, REFUND for purchase refund.

Value in"M2C" | "LOAD" | "REFUND"
narration?string

Transaction description or note. Optional but recommended for customer statements.

senderName?string

Name of the sender or source of funds. Optional.

Response Body

application/json

application/json

application/json

curl -X POST "https://api.m2p.com/Yappay/transaction-manager/credit" \  -H "Content-Type: application/json" \  -d '{    "kitNo": "KIT20260306001234",    "amount": 5000,    "currency": "INR",    "externalTransactionId": "ACME-TXN-20260306-001",    "transactionType": "M2C",    "narration": "Salary credit - March 2026",    "senderName": "ACME Corp Payroll"  }'
{
  "status": "success",
  "data": {
    "transactionId": "TXN20260306001234",
    "externalTransactionId": "ACME-TXN-20260306-001",
    "amount": 5000,
    "availableBalance": 20000,
    "transactionStatus": "COMPLETED",
    "transactionDate": "2026-03-06T10:30:00Z"
  }
}

{
  "result": null,
  "exception": {
    "detailMessage": "Transaction amount must be greater than zero",
    "shortMessage": "Invalid amount",
    "errorCode": "TXN_002",
    "languageCode": "en"
  },
  "pagination": null
}

{
  "result": null,
  "exception": {
    "detailMessage": "Transaction with this externalTransactionId already exists",
    "shortMessage": "Duplicate transaction",
    "errorCode": "TXN_009",
    "languageCode": "en"
  },
  "pagination": null
}