m2pfintech
API LibraryTransactions

Initiate Payment Request (Pay)

Initiates a UPI payment (debit from payer, credit to payee). This is the primary API for sending money. Supports P2P (person to person) and P2M (person to merchant) payments. The encrypted UPI PIN block is required for authentication. This is an asynchronous API - use reqPayRes with the callbackRef to get the final payment status. The txnId must be unique for idempotency. Amount is always a string with 2 decimal places. The v2 endpoint supports enhanced features including international payments and MCC-based limits.

POST
/upi/v2/wrapper/transaction/reqPayReq

Request Body

application/json

deviceInfo*

Device and SIM information required for UPI API authentication and tracking

channelCode*string
seqNo*string
txnId*string

Unique transaction ID for idempotency. Format - TXN{timestamp}{random}, max 35 characters.

Lengthlength <= 35
payer*

Payer or payee details for a transaction

payee*

Payer or payee details for a transaction

amount*string

Transaction amount as string with 2 decimal places

remarks?string

Transaction remarks or note

credBlock*string

Encrypted UPI PIN block from Common Library SDK

txnType*string

Transaction type

Value in"PAY" | "COLLECT"
purpose?string

Purpose code for the transaction (00 for default)

Response Body

application/json

curl -X POST "https://sandbox-upi-api.m2pfintech.com/upi/v2/wrapper/transaction/reqPayReq" \  -H "Content-Type: application/json" \  -d '{    "deviceInfo": {      "deviceId": "a1b2c3d4-e5f6-7890-abcd-ef1234567890",      "simId": "8991101200003204510",      "deviceType": "MOB",      "os": "Android",      "telecom": "Airtel",      "geoCode": "13.0827,80.2707",      "appId": "v2.0",      "ipAddress": "192.168.1.50",      "location": "Mumbai",      "mobile": "919876501234"    },    "channelCode": "HDFC0001234",    "seqNo": "500",    "txnId": "TXN20260301123456ABCD",    "payer": {      "vpa": "amit.patel@indie",      "accountId": "acc-uuid-001"    },    "payee": {      "vpa": "merchant@upi",      "name": "Coffee Shop"    },    "amount": "250.00",    "remarks": "Coffee payment",    "credBlock": "encrypted-upi-pin-block",    "txnType": "PAY",    "purpose": "00"  }'

{
  "status": "SUCCESS",
  "exception": null,
  "seqNo": "500",
  "callbackRef": "pay-req-uuid-12345",
  "message": null,
  "result": {
    "txnId": "TXN20260301123456ABCD",
    "status": "PENDING",
    "rrn": "603012345678"
  }
}

Fetch Transaction by RRN POST

Fetches transaction details by Retrieval Reference Number (RRN). The RRN is a unique identifier assigned to each UPI transaction by NPCI. Useful for looking up specific transactions for support or reconciliation.

Payment Response (Get Payment Status) POST

Fetches the result of a previously initiated payment request. Pass the callbackRef from reqPayReq. Returns the final transaction status including RRN (Retrieval Reference Number), NPCI response code, and transaction details. Poll this API if the initial payment request status is PENDING.