Flow: Authenticate β Create Order β Initiate Payment β Poll Status (optional webhook)
\nYour client_id is bound to Test or Live mode. Requests must target the correct host; authentication will reject mismatched mode.
Best for: Websites, web apps, quick integration
\nFeatures:
\nPre-built payment UI
\nAutomatic QR generation
\nReal-time status updates
\nMobile-responsive
\nImplementation: See \"Wizard Checkout Integration\" folder
\nBest for: Custom UI, mobile apps, server-to-server
\nFeatures:
\nFull control over UI/UX
\nDirect API integration
\nCustom payment flow
\nGenerate your own QR
\nImplementation: See \"Inline DQR Integration\" folder
\nLogin to SMEPay Dashboard
\nGo to Integrations β View API docs
\nDownload your client_id and client_secret
Create test order
\nGenerate payment link
\nTest with UPI app
\nVerify webhook callback
\nAccess Token: Expires in 10 minutes (600 seconds)
\nUse in subsequent requests:
\nAuthorization: Bearer <access_token>\nContent-Type: application/json\n\nAccess Constraints:
\nBusiness verification/tier
\nIP whitelist & geo-restrictions
\nPer-business rate limits
\nMinimum wallet balance for external operations
\nWhen payment status changes, we POST to your callback_url:
Status Values:
\nSUCCESS - Payment completed β
FAILED - Payment failed β
Security: Always validate using /order/validate endpoint before fulfilling order
CREATED β INITIATED β PENDING β SUCCESS/FAILED\n β\n EXPIRED\n\nEmail: support@smepay.io
\nDashboard: https://app.smepay.in
\nGet access token for Wizard API.
\nNote: No IP whitelisting required for Wizard API
\nResponse:
\n{\n \"access_token\": \"<token>\",\n \"token_type\": \"Bearer\",\n \"expires_in\": 600,\n \"environment\": \"test\"\n}\nCreate order for Wizard widget.
\nResponse:
\n{\n \"amount\": 100,\n \"callback_url\": \"https://your-domain.com/success\",\n \"customer_details\": {...},\n \"message\": \"Order created successfully. Use initiate payment API to start payment process.\",\n \"order_id\": \"HZR2959795575241\",\n \"order_slug\": \"2h2m6qf\",\n \"payment_status\": \"CREATED\",\n \"payment_url\": \"https://link.smepay.in/@acme/2h2m6qf\",\n \"ref_id\": \"ORD__000223\",\n \"status\": true\n}\nUse the slug to launch the Wizard widget.
Note: payment_url is for sharing on other platforms for future use
Validate payment after widget success callback.
\nResponse:
\n{\n \"status\": true,\n \"valid\": true,\n \"payment_status\": \"SUCCESS\",\n \"message\": \"Order validated successfully\"\n}\nCall this from your backend after receiving webhook to verify payment before fulfilling order.
\n","urlObject":{"path":["api","wiz","external","order","validate"],"host":["{{baseUrl}}"],"query":[],"variable":[]}},"response":[],"_postman_id":"d05196ab-3faf-4726-9b92-2aa8433c259d"}],"id":"74f54f31-1e87-4785-8043-8b6cf1510119","description":"Easiest integration - Pre-built payment UI with automatic QR generation.
\nAdd this script tag before closing tag:
\n<script src=\"https://typof.co/smepay/checkout-v2.js\"></script>\n\nBackend: First, create an order to get order_slug
// Call your backend API to create order\nfetch('/api/create-order', {\n method: 'POST',\n body: JSON.stringify({\n amount: 100,\n customer_email: 'customer@example.com'\n })\n})\n.then(res => res.json())\n.then(data => {\n // Launch SMEPay widget with slug\n openSMEPayWidget(data.order_slug);\n});\n\nFrontend: Launch the payment widget
\nfunction openSMEPayWidget(orderSlug) {\n if (window.smepayCheckout) {\n window.smepayCheckout({\n slug: orderSlug,\n onSuccess: (data) => {\n console.log('β
Payment successful:', data);\n // Redirect to success page\n if (data.callback_url) {\n window.location.href = data.callback_url;\n }\n },\n onFailure: () => {\n console.log('β Payment failed or closed.');\n // Handle failure\n }\n });\n } else {\n alert('SMEPay widget is not loaded.');\n }\n}\n\nOnce user pays successfully:
\nWidget closes automatically
\nRedirects to callback_url
Sends POST request to your webhook URL
\nValidate from backend using /order/validate
// Backend validation\nfetch('https://app.smepay.in/api/wiz/external/order/validate', {\n method: 'POST',\n headers: {\n 'Authorization': 'Bearer ' + accessToken,\n 'Content-Type': 'application/json'\n },\n body: JSON.stringify({\n client_id: 'YOUR_CLIENT_ID',\n amount: 100.00,\n slug: orderSlug\n })\n})\n.then(res => res.json())\n.then(data => {\n if (data.status && data.payment_status === 'SUCCESS') {\n // Payment verified - fulfill order\n }\n});\n\n\n<html>\n<head>\n <title>SMEPay Checkout</title>\n</head>\n<body>\n <button onclick=\"handlePayment()\">Pay Now</button>\n <script src=\"https://typof.co/smepay/checkout-v2.js\"></script>\n <script src=\"https://code.jquery.com/jquery-3.6.0.min.js\"></script>\n <script>\n function handlePayment() {\n // Step 1: Create order via your backend\n $.post('/api/pay-qr', { amount: 100 })\n .done(function(response) {\n // Step 2: Launch SMEPay widget\n if (window.smepayCheckout) {\n window.smepayCheckout({\n slug: response.order_slug,\n onSuccess: (data) => {\n console.log('β
Payment successful');\n if (data.callback_url) {\n window.location.href = data.callback_url;\n }\n },\n onFailure: () => {\n alert('β Payment failed or cancelled');\n }\n });\n }\n })\n .fail(function(error) {\n console.error('Error creating order:', error);\n });\n }\n </script>\n</body>\n</html>\n\nβ Auto QR Generation - No need to generate QR yourself
\nβ Real-time Status - Automatic payment status updates
\nβ Mobile Responsive - Works on all devices
\nβ UPI Deep Links - Direct app integration (GPay, PhonePe, etc.)
\nβ Error Handling - Built-in error messages
\nUse the APIs below to implement the backend for Wizard checkout.
\n","_postman_id":"74f54f31-1e87-4785-8043-8b6cf1510119"},{"name":"Inline DQR Integration","item":[{"name":"1. Authenticate","id":"1b5a3d8b-c677-4616-bced-96b0d561549c","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"POST","header":[{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n \"client_id\": \"YOUR_CLIENT_ID\",\n \"client_secret\": \"YOUR_CLIENT_SECRET\"\n}"},"url":"{{baseUrl}}/api/external/auth","description":"Obtain a short-lived access token (expires in 600 seconds).
\nAccess Constraints:
\nResponse:
\n{\n \"access_token\": \"<token>\",\n \"token_type\": \"Bearer\",\n \"expires_in\": 600,\n \"environment\": \"test\"\n}\nUse this token in Authorization: Bearer <token> header for subsequent requests.
Create a new payment order.
\nNotes:
\namount is a string (positive number)order_id must be unique per businessResponse:
\n{\n \"status\": true,\n \"order_id\": \"INT-123e4567-e89b-12d3-a456-426614174000\",\n \"slug\": \"abcdefg\",\n \"message\": \"Order created\"\n}\nUse the slug for next step (Initiate Payment)
Generate UPI payment link and QR code.
\nPreconditions:
\nCREATEDResponse:
\n{\n \"status\": true,\n \"order_id\": \"INT-123e4567-e89b-12d3-a456-426614174000\",\n \"external_reference_id\": \"YOUR_ORDER_123\",\n \"provider\": \"phonepe\",\n \"payment_link\": \"upi://pay?...\",\n \"transaction_id\": \"PPabc...\",\n \"qr_code\": \"data:image/png;base64,...\",\n \"payment_status\": \"INITIATED\",\n \"expires_at\": 1736034123,\n \"intents\": {\n \"gpay\": \"tez://...\",\n \"phonepe\": \"phonepe://...\",\n \"paytm\": \"paytmmp://...\"\n },\n \"message\": \"Payment initiated successfully. Payment will be monitored for 5 minutes.\"\n}\nDisplay the qr_code or use payment_link for UPI deep linking
Poll payment status (no authentication required).
\nResponse:
\n{\n \"status\": true,\n \"order_id\": \"ORDER_123\",\n \"payment_status\": \"SUCCESS\",\n \"amount\": 100.5,\n \"provider\": \"phonepe\",\n \"created_at\": 1736030500,\n \"processed_at\": 1736030822\n}\nStatus Values:
\nCREATED - Order createdINITIATED - Payment link generatedPENDING - Payment in progressSUCCESS - Payment completed β
FAILED - Payment failed βEXPIRED - Order expired (5 min)Polling Recommendation: Poll every 3-5 seconds until status is final (SUCCESS/FAILED/EXPIRED)
\n","urlObject":{"path":["api","external","qr","status"],"host":["{{baseUrl}}"],"query":[],"variable":[]}},"response":[],"_postman_id":"cf3e9592-4c69-48f1-b99e-ffb8448213a9"}],"id":"6fac77a4-9d71-4044-96ee-b15b521b3bc3","description":"Direct API integration - Full control over UI/UX, generate your own QR codes.
\nCustom payment UI
\nMobile applications
\nServer-to-server integration
\nHeadless commerce
\nCustom QR design
\n1. Authenticate β Get access_token\n β\n2. Create Order β Get order_slug\n β\n3. Initiate Payment β Get payment_link & QR\n β\n4. Customer Pays β UPI app\n β\n5. Poll Status β Check /order/status\n OR\n Receive Webhook β POST to callback_url\n β\n6. Validate Order β Verify before fulfilling\n\nIP Whitelisting:
\nRequired for production (/api/external/)
Configure in Dashboard β Settings β API
\nAccess Constraints:
\nBusiness verification required
\nTier-based rate limits
\nMinimum wallet balance
\nGeo-restrictions apply
\nAccess Token: 10 minutes (600s)
\nPayment Link: 5 minutes
\nOrder Expiry: 5 minutes
\nUse the APIs below for direct integration.
\n","_postman_id":"6fac77a4-9d71-4044-96ee-b15b521b3bc3"},{"name":"Webhooks","item":[],"id":"62dc4d54-f63c-4a7a-b347-4e5d4cd3da4b","description":"SMEPay sends POST requests to your callback_url when payment status changes.
Method: POST
Content-Type: application/json
{\n \"ref_id\": \"YOUR_ORDER_123\",\n \"transaction_id\": \"SME_TXN_456\",\n \"status\": \"SUCCESS\",\n \"amount\": \"100.00\",\n \"processed_at\": \"2025-01-01T12:00:00+05:30\",\n \"created_at\": \"2025-01-01T11:55:00+05:30\"\n}\n\nRetries only when webhook endpoint returns 5xx status code.
\nNote: Retries are triggered only on 5xx errors (server errors). 4xx errors (client errors) and 200 OK responses do not trigger retries.
\nUse webhook.site for testing:
\nGo to https://webhook.site
\nCopy your unique URL
\nUse it as callback_url in Create Order
Complete a test payment
\nSee webhook payload in real-time
\nBest Practice: Always respond with 200 OK immediately upon receiving webhook, then process asynchronously.
Exchange your client_id and client_secret for a short-lived JWT bearer token.
Response fields
\nError cases
\n","urlObject":{"path":["api","v1","disbursement","auth"],"host":["{{baseUrl}}"],"query":[],"variable":[]}},"response":[{"id":"340e0cd3-c7e4-4105-ad3f-e172faa7310d","name":"200 β Success","originalRequest":{"method":"POST","header":[{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n \"client_id\": \"api_client_001\",\n \"client_secret\": \"secret_xxx\"\n}"},"url":""},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"Content-Type","value":"application/json"}],"cookie":[],"responseTime":null,"body":"{\n \"status\": true,\n \"data\": {\n \"token\": \"eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9...\",\n \"expires_in\": 3600\n }\n}"},{"id":"5873240a-dd7a-4cbc-b225-a42fa045ba06","name":"401 β Invalid credentials","originalRequest":{"method":"POST","header":[{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n \"client_id\": \"wrong\",\n \"client_secret\": \"wrong\"\n}"},"url":""},"status":"Unauthorized","code":401,"_postman_previewlanguage":"json","header":[{"key":"Content-Type","value":"application/json"}],"cookie":[],"responseTime":null,"body":"{\n \"status\": false,\n \"message\": \"invalid client credentials\"\n}"},{"id":"817a9dfa-e272-4ed1-9ca7-c419deb840be","name":"403 β IP not whitelisted","originalRequest":{"method":"POST","header":[{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n \"client_id\": \"api_client_001\",\n \"client_secret\": \"secret_xxx\"\n}"},"url":""},"status":"Forbidden","code":403,"_postman_previewlanguage":"json","header":[{"key":"Content-Type","value":"application/json"}],"cookie":[],"responseTime":null,"body":"{\n \"status\": false,\n \"error\": \"ip_not_whitelisted\",\n \"message\": \"IP 203.0.113.42 is not in the allowed list\"\n}"}],"_postman_id":"e9861507-651e-4f5b-a528-1f12f83a0e9a"},{"name":"2. Initiate Payout - IMPS (Primary)","event":[{"listen":"test","script":{"id":"a75da6f1-c016-4ed5-90e1-baf7bc252dab","exec":["var json = pm.response.json();","if (json.data && json.data.id) {"," pm.environment.set('disb_payout_id', json.data.id);"," console.log('disb_payout_id saved:', json.data.id);","}"],"type":"text/javascript","packages":{},"requests":{}}}],"id":"33d27d15-85c1-4dfe-a244-7c4535e8f9d5","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"POST","header":[{"key":"Content-Type","value":"application/json","type":"text"},{"key":"Authorization","value":"Bearer {{disb_token}}","type":"text"}],"body":{"mode":"raw","raw":"{\n \"reference_id\": \"TXN-20240301-023\",\n \"amount\": 10.0,\n \"payment_mode\": \"IMPS\",\n \"beneficiary_name\": \"TRILOCHAN PARIDA\",\n \"beneficiary_account\": \"033325221134005\",\n \"beneficiary_ifsc\": \"NESF0000333\",\n \"callback_url\":\"https://your-callback-url\",\n \"remarks\": \"Testing\"\n}","options":{"raw":{"language":"json"}}},"url":"{{baseUrl}}/api/v1/disbursement/payouts","description":"Initiate an outbound IMPS bank transfer. IMPS is the primary payment mode β it settles within seconds and is available 24Γ7.
\nRequest fields
\nBeneficiary data in responses\nRaw bank details are never returned. The beneficiary_name, beneficiary_account, and beneficiary_ifsc fields in all API responses and webhook payloads are SHA-256 hashes of the original values β you can use these for correlation but cannot reverse them.
Payout lifecycle\nINITIATED β PROCESSING β SUCCESS / FAILED
Error cases
\n","urlObject":{"path":["api","v1","disbursement","payouts"],"host":["{{baseUrl}}"],"query":[],"variable":[]}},"response":[{"id":"c088d7c8-8b79-4ce1-b665-8b10c20effd0","name":"201 β Payout Initiated","originalRequest":{"method":"POST","header":[{"key":"Content-Type","value":"application/json"},{"key":"Authorization","value":"Bearer {{disb_token}}"}],"body":{"mode":"raw","raw":"{\n \"reference_id\": \"TXN-20240301-001\",\n \"amount\": 5000.0,\n \"payment_mode\": \"IMPS\",\n \"beneficiary_name\": \"Rajan Kumar\",\n \"beneficiary_account\": \"1234567890\",\n \"beneficiary_ifsc\": \"SBIN0001234\",\n \"remarks\": \"Salary March 2024\"\n}"},"url":""},"status":"Created","code":201,"_postman_previewlanguage":"json","header":[{"key":"Content-Type","value":"application/json"}],"cookie":[],"responseTime":null,"body":"{\n \"status\": true,\n \"message\": \"Payout initiated successfully\",\n \"data\": {\n \"id\": \"7e9d3c12-a4f1-4b2e-9c3d-8e7f6a5b4c3d\",\n \"reference_id\": \"TXN-20240301-001\",\n \"amount\": 5000.0,\n \"fee_amount\": 5.0,\n \"payment_mode\": \"IMPS\",\n \"remarks\": \"Salary March 2024\",\n \"status\": \"INITIATED\",\n \"provider\": \"paywize\",\n \"beneficiary_name\": \"a3f1c2d4e5b6a7c8d9e0f1a2b3c4d5e6f7a8b9c0d1e2f3a4b5c6d7e8f9a0b1c2\",\n \"beneficiary_account\": \"b2e3d4f5a6c7b8d9e0f1a2c3b4d5e6f7a8c9d0e1f2a3b4c5d6e7f8a9b0c1d2e3\",\n \"beneficiary_ifsc\": \"c3f4e5a6b7d8c9e0f1a2d3c4e5f6a7b8c9d0e1f2a3c4d5e6f7a8b9c0d1e2f3a4\",\n \"business_id\": \"b1c2d3e4-f5a6-7b8c-9d0e-1f2a3b4c5d6e\",\n \"available_balance\": 45000.0,\n \"locked_balance\": 5000.0,\n \"initiated_at\": \"2024-03-01T10:30:00Z\",\n \"created_at\": \"2024-03-01T10:30:00Z\",\n \"updated_at\": \"2024-03-01T10:30:00Z\"\n }\n}"},{"id":"8b327a25-0774-45ef-a843-7b6cdb7a64f2","name":"400 β Insufficient balance","originalRequest":{"method":"POST","header":[{"key":"Content-Type","value":"application/json"},{"key":"Authorization","value":"Bearer {{disb_token}}"}],"body":{"mode":"raw","raw":"{\n \"reference_id\": \"TXN-20240301-001\",\n \"amount\": 5000.0,\n \"payment_mode\": \"IMPS\",\n \"beneficiary_name\": \"Rajan Kumar\",\n \"beneficiary_account\": \"1234567890\",\n \"beneficiary_ifsc\": \"SBIN0001234\",\n \"remarks\": \"Salary March 2024\"\n}"},"url":""},"status":"Bad Request","code":400,"_postman_previewlanguage":"json","header":[{"key":"Content-Type","value":"application/json"}],"cookie":[],"responseTime":null,"body":"{\n \"status\": false,\n \"message\": \"insufficient balance: available 1200.00, required 5005.00 (amount + fee)\"\n}"},{"id":"6a5d5df0-1124-4673-bdee-3a5086639d57","name":"400 β Disbursement not enabled","originalRequest":{"method":"POST","header":[{"key":"Content-Type","value":"application/json"},{"key":"Authorization","value":"Bearer {{disb_token}}"}],"body":{"mode":"raw","raw":"{\n \"reference_id\": \"TXN-20240301-001\",\n \"amount\": 5000.0,\n \"payment_mode\": \"IMPS\",\n \"beneficiary_name\": \"Rajan Kumar\",\n \"beneficiary_account\": \"1234567890\",\n \"beneficiary_ifsc\": \"SBIN0001234\",\n \"remarks\": \"Salary March 2024\"\n}"},"url":""},"status":"Bad Request","code":400,"_postman_previewlanguage":"json","header":[{"key":"Content-Type","value":"application/json"}],"cookie":[],"responseTime":null,"body":"{\n \"status\": false,\n \"message\": \"disbursement not enabled for this account\"\n}"},{"id":"9ab35ecc-bd4b-4771-827a-867278be9ae0","name":"400 β Duplicate reference_id (idempotency)","originalRequest":{"method":"POST","header":[{"key":"Content-Type","value":"application/json"},{"key":"Authorization","value":"Bearer {{disb_token}}"}],"body":{"mode":"raw","raw":"{\n \"reference_id\": \"TXN-20240301-001\",\n \"amount\": 5000.0,\n \"payment_mode\": \"IMPS\",\n \"beneficiary_name\": \"Rajan Kumar\",\n \"beneficiary_account\": \"1234567890\",\n \"beneficiary_ifsc\": \"SBIN0001234\",\n \"remarks\": \"Salary March 2024\"\n}"},"url":""},"status":"Bad Request","code":400,"_postman_previewlanguage":"json","header":[{"key":"Content-Type","value":"application/json"}],"cookie":[],"responseTime":null,"body":"{\n \"status\": false,\n \"message\": \"duplicate reference_id: TXN-20240301-001\"\n}"},{"id":"382a3ff2-485a-437f-a666-5432bb9e21e1","name":"401 β Token missing / expired","originalRequest":{"method":"POST","header":[{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n \"reference_id\": \"TXN-20240301-001\",\n \"amount\": 5000.0,\n \"payment_mode\": \"IMPS\",\n \"beneficiary_name\": \"Rajan Kumar\",\n \"beneficiary_account\": \"1234567890\",\n \"beneficiary_ifsc\": \"SBIN0001234\",\n \"remarks\": \"Salary March 2024\"\n}"},"url":""},"status":"Unauthorized","code":401,"_postman_previewlanguage":"json","header":[{"key":"Content-Type","value":"application/json"}],"cookie":[],"responseTime":null,"body":"{\n \"status\": false,\n \"message\": \"business_id not found in token\"\n}"},{"id":"042a9110-7e6f-430e-9f89-37455bb9dbf1","name":"403 β IP not whitelisted","originalRequest":{"method":"POST","header":[{"key":"Content-Type","value":"application/json"},{"key":"Authorization","value":"Bearer {{disb_token}}"}],"body":{"mode":"raw","raw":"{\n \"reference_id\": \"TXN-20240301-001\",\n \"amount\": 5000.0,\n \"payment_mode\": \"IMPS\",\n \"beneficiary_name\": \"Rajan Kumar\",\n \"beneficiary_account\": \"1234567890\",\n \"beneficiary_ifsc\": \"SBIN0001234\",\n \"remarks\": \"Salary March 2024\"\n}"},"url":""},"status":"Forbidden","code":403,"_postman_previewlanguage":"json","header":[{"key":"Content-Type","value":"application/json"}],"cookie":[],"responseTime":null,"body":"{\n \"status\": false,\n \"error\": \"ip_not_whitelisted\",\n \"message\": \"IP 203.0.113.42 is not in the allowed list\"\n}"}],"_postman_id":"33d27d15-85c1-4dfe-a244-7c4535e8f9d5"},{"name":"3. Check Payout Status","event":[{"listen":"test","script":{"exec":["pm.test('Status is 200', function() {"," pm.response.to.have.status(200);","});","var json = pm.response.json();","pm.test('Has payout data', function() {"," pm.expect(json.data).to.have.property('id');"," pm.expect(json.data).to.have.property('status');","});"],"type":"text/javascript","id":"2e7fe1d8-cc63-45d8-9528-2f8d03449693"}}],"id":"92c519b5-7b7e-45bd-888a-319d6beeeb3d","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"GET","header":[{"key":"Authorization","value":"Bearer {{disb_token}}","type":"text"}],"url":"{{baseUrl}}/api/v1/disbursement/payouts/{{disb_payout_id}}","description":"Poll the status of a payout using the id returned by the Initiate Payout call.
The {{disb_payout_id}} variable is auto-saved by the Initiate Payout test scripts.
Payout statuses
\nError cases
\n","urlObject":{"path":["api","v1","disbursement","payouts","{{disb_payout_id}}"],"host":["{{baseUrl}}"],"query":[],"variable":[]}},"response":[{"id":"17454e3c-d426-4b54-b6f6-e9ac628df44f","name":"200 β SUCCESS","originalRequest":{"method":"GET","header":[{"key":"Authorization","value":"Bearer {{disb_token}}"}],"url":""},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"Content-Type","value":"application/json"}],"cookie":[],"responseTime":null,"body":"{\n \"status\": true,\n \"message\": \"Payout retrieved successfully\",\n \"data\": {\n \"id\": \"7e9d3c12-a4f1-4b2e-9c3d-8e7f6a5b4c3d\",\n \"reference_id\": \"TXN-20240301-001\",\n \"amount\": 5000.0,\n \"fee_amount\": 5.0,\n \"payment_mode\": \"IMPS\",\n \"remarks\": \"Salary March 2024\",\n \"status\": \"SUCCESS\",\n \"provider\": \"paywize\",\n \"utr_number\": \"UTR123456789012\",\n \"provider_reference_id\": \"PAYWIZE-REF-001\",\n \"beneficiary_name\": \"a3f1c2d4e5b6a7c8d9e0f1a2b3c4d5e6f7a8b9c0d1e2f3a4b5c6d7e8f9a0b1c2\",\n \"beneficiary_account\": \"b2e3d4f5a6c7b8d9e0f1a2c3b4d5e6f7a8c9d0e1f2a3b4c5d6e7f8a9b0c1d2e3\",\n \"beneficiary_ifsc\": \"c3f4e5a6b7d8c9e0f1a2d3c4e5f6a7b8c9d0e1f2a3c4d5e6f7a8b9c0d1e2f3a4\",\n \"business_id\": \"b1c2d3e4-f5a6-7b8c-9d0e-1f2a3b4c5d6e\",\n \"available_balance\": 45000.0,\n \"locked_balance\": 0.0,\n \"initiated_at\": \"2024-03-01T10:30:00Z\",\n \"processed_at\": \"2024-03-01T10:30:45Z\",\n \"created_at\": \"2024-03-01T10:30:00Z\",\n \"updated_at\": \"2024-03-01T10:30:45Z\"\n }\n}"},{"id":"8b87f5e4-e14e-4fc2-bb3d-46b742286f54","name":"200 β INITIATED (still processing)","originalRequest":{"method":"GET","header":[{"key":"Authorization","value":"Bearer {{disb_token}}"}],"url":""},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"Content-Type","value":"application/json"}],"cookie":[],"responseTime":null,"body":"{\n \"status\": true,\n \"message\": \"Payout retrieved successfully\",\n \"data\": {\n \"id\": \"7e9d3c12-a4f1-4b2e-9c3d-8e7f6a5b4c3d\",\n \"reference_id\": \"TXN-20240301-001\",\n \"amount\": 5000.0,\n \"fee_amount\": 5.0,\n \"payment_mode\": \"IMPS\",\n \"status\": \"INITIATED\",\n \"provider\": \"paywize\",\n \"beneficiary_name\": \"a3f1c2d4e5b6a7c8d9e0f1a2b3c4d5e6f7a8b9c0d1e2f3a4b5c6d7e8f9a0b1c2\",\n \"beneficiary_account\": \"b2e3d4f5a6c7b8d9e0f1a2c3b4d5e6f7a8c9d0e1f2a3b4c5d6e7f8a9b0c1d2e3\",\n \"beneficiary_ifsc\": \"c3f4e5a6b7d8c9e0f1a2d3c4e5f6a7b8c9d0e1f2a3c4d5e6f7a8b9c0d1e2f3a4\",\n \"business_id\": \"b1c2d3e4-f5a6-7b8c-9d0e-1f2a3b4c5d6e\",\n \"available_balance\": 45000.0,\n \"locked_balance\": 5000.0,\n \"initiated_at\": \"2024-03-01T10:30:00Z\",\n \"created_at\": \"2024-03-01T10:30:00Z\",\n \"updated_at\": \"2024-03-01T10:30:00Z\"\n }\n}"},{"id":"fc9be444-00e2-4258-9156-4cc1c25f78df","name":"200 β FAILED","originalRequest":{"method":"GET","header":[{"key":"Authorization","value":"Bearer {{disb_token}}"}],"url":""},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"Content-Type","value":"application/json"}],"cookie":[],"responseTime":null,"body":"{\n \"status\": true,\n \"message\": \"Payout retrieved successfully\",\n \"data\": {\n \"id\": \"7e9d3c12-a4f1-4b2e-9c3d-8e7f6a5b4c3d\",\n \"reference_id\": \"TXN-20240301-001\",\n \"amount\": 5000.0,\n \"fee_amount\": 5.0,\n \"payment_mode\": \"IMPS\",\n \"status\": \"FAILED\",\n \"provider\": \"paywize\",\n \"failure_reason\": \"Invalid beneficiary account number\",\n \"beneficiary_name\": \"a3f1c2d4e5b6a7c8d9e0f1a2b3c4d5e6f7a8b9c0d1e2f3a4b5c6d7e8f9a0b1c2\",\n \"beneficiary_account\": \"b2e3d4f5a6c7b8d9e0f1a2c3b4d5e6f7a8c9d0e1f2a3b4c5d6e7f8a9b0c1d2e3\",\n \"beneficiary_ifsc\": \"c3f4e5a6b7d8c9e0f1a2d3c4e5f6a7b8c9d0e1f2a3c4d5e6f7a8b9c0d1e2f3a4\",\n \"business_id\": \"b1c2d3e4-f5a6-7b8c-9d0e-1f2a3b4c5d6e\",\n \"available_balance\": 50000.0,\n \"locked_balance\": 0.0,\n \"initiated_at\": \"2024-03-01T10:30:00Z\",\n \"processed_at\": \"2024-03-01T10:31:00Z\",\n \"created_at\": \"2024-03-01T10:30:00Z\",\n \"updated_at\": \"2024-03-01T10:31:00Z\"\n }\n}"},{"id":"346f1f04-6efa-4a67-981c-6f79d37e4ced","name":"404 β Payout not found","originalRequest":{"method":"GET","header":[{"key":"Authorization","value":"Bearer {{disb_token}}"}],"url":""},"status":"Not Found","code":404,"_postman_previewlanguage":"json","header":[{"key":"Content-Type","value":"application/json"}],"cookie":[],"responseTime":null,"body":"{\n \"status\": false,\n \"message\": \"payout not found\"\n}"},{"id":"a3c60262-5eaf-4f39-8189-bd84789638df","name":"401 β Token missing / expired","originalRequest":{"method":"GET","header":[],"url":""},"status":"Unauthorized","code":401,"_postman_previewlanguage":"json","header":[{"key":"Content-Type","value":"application/json"}],"cookie":[],"responseTime":null,"body":"{\n \"status\": false,\n \"message\": \"business_id not found in token\"\n}"}],"_postman_id":"92c519b5-7b7e-45bd-888a-319d6beeeb3d"}],"id":"66b7d47e-2f62-4673-a5ac-1c8ca4d529a2","description":"Send money directly to any bank account in India via IMPS, NEFT, or RTGS.
\nDisbursement uses separate credentials from the payment collection API:
\nclient_id and client_secret issued by SMEPay admin per merchantPOST /api/v1/disbursement/auth1. Authenticate β Get disb_token (1 hr TTL)\n β\n2. Initiate Payout β POST /api/v1/disbursement/payouts\n β Status = INITIATED\n3. Poll Status β GET /api/v1/disbursement/payouts/{id}\n OR Receive Webhook β SMEPay POSTs to your callback URL\n β\n4. Terminal Status β SUCCESS or FAILED\nIMPS is the primary and default mode.
\nSensitive fields encrypted at rest (AES-256-GCM):
\nbeneficiary_name, beneficiary_account, beneficiary_ifsc, beneficiary_email, beneficiary_mobilebase64( 12-byte-nonce || ciphertext || 16-byte-GCM-tag )Deduplication hash (SHA-256):
\naccount_hash = SHA-256( business_id + ':' + account_number + ':' + ifsc )IP Whitelisting: Enforced on all merchant calls. Test-mode businesses skip this check.
\n","_postman_id":"66b7d47e-2f62-4673-a5ac-1c8ca4d529a2"},{"name":"Onboarding","item":[{"name":"Auth","id":"76381540-86be-4510-a992-b0d7a076f6f3","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"POST","header":[],"body":{"mode":"raw","raw":"{\n \"partner_code\": \"PARTNER_CODE\",\n \"email\": \"EMAIL_ID\"\n}","options":{"raw":{"language":"json"}}},"url":"https://partner.smepay.in/api/partner/merchants/tsp/auth","urlObject":{"protocol":"https","path":["api","partner","merchants","tsp","auth"],"host":["partner","smepay","in"],"query":[],"variable":[]}},"response":[],"_postman_id":"76381540-86be-4510-a992-b0d7a076f6f3"},{"name":"Create Merchant","id":"542bffd7-0791-4327-8c8a-cf69011d5401","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"