Payment Response (Get Payment Status)
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.
Request Body
application/json
Device and SIM information required for UPI API authentication and tracking
Channel or institution code
Sequence number for request tracking
Callback reference ID received from the initiating async API call
Response Body
application/json
curl -X POST "https://sandbox-upi-api.m2pfintech.com/upi/v1/wrapper/transaction/reqPayRes" \ -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": "501", "callbackRef": "pay-req-uuid-12345" }'{
"status": "SUCCESS",
"exception": null,
"seqNo": "501",
"result": {
"txnId": "TXN20260301123456ABCD",
"rrn": "603012345678",
"npciResponseCode": "00",
"txnStatus": "SUCCESS",
"amount": "250.00",
"payerVpa": "amit.patel@indie",
"payeeVpa": "merchant@upi",
"payeeName": "Coffee Shop",
"txnDate": "2026-03-01T14:30:00Z",
"remarks": "Coffee payment"
}
}Initiate Payment Request (Pay) POST
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.
List Account Providers POST
Retrieves the list of all banks live on UPI from NPCI. This is the master list of banks whose customers can use UPI to transfer, pay, or collect money directly from one bank account to another. Use this API to populate the bank selection screen during account linking.