Creating Transactions

Checking Routes

Before sending an InstaPay transaction, a route check must be done to determine if the recipient is reachable.

The route check will confirm:

If the receiving bank or account supports InstaPay
What type of payments are allowed (max amount, currency, etc.)
Whether the destination is reachable

Option 1: By Card Number

To check if InstaPay supports a specific route by card number, use the following endpoint:

POST /api/v3/InstantRoutes/companycode/{companyCode}

Request Body

Example:

{
  "cardNumber": "955096755978307371"
}

Option 2: By Token’s PAN (Primary account number)

To check if InstaPay supports a specific route by a token’s PAN, use the following endpoint:

POST /api/v3/InstantRoutes/companycode/{companyCode}/token

Request Body

Example:

{
  "tokenId": "string",
  "yourSubClientId": "string"
}

Add an InstaPay Transaction

To add a transaction that will be funded instantly, use the following endpoint:

POST /api/v3/InstantTransactions/companycode/{companyCode}

Request Body

{
  "nameOnCard": "OD1eXE",
  "cardNumber": "70363549677829755",
  "cardExpiration": "03/2021",
  "tokenId": "string",
  "yourSubClientId": "string",
  "totPassword": "368834",
  "amount": 100000,
  "yourReferenceNumber": "btLm"
}