IMPS PayIn

Payment registration transactions

IMPS HPP & H2H

1. IMPS PayIn

Description:
IMPS (Immediate Payment Service) is a secure and instant payment system that allows users to transfer money between bank accounts in India, 24/7 — including weekends and holidays.
This method allows users to make transfers via a hosted payment page.
 
When using this method, you will receive a redirect_hpp_url for the payment page, where the customer should be redirected. On this page, the customer will see the bank details to make a bank transfer.
 
After completing the payment in the banking app, the customer will receive a UTR code, which must be entered on the payment page to confirm the transaction.
 
The customer has about 15 minutes to enter the UTR code. If it is not entered within this time, the transaction will fail.
 
Allows the creation of pay-ins (incoming payments).
 
URL:https://api.payelu.xyz/api/v1/payments/payin_hth
 

Country Uses:

  • India: IMPS
 

Request Parameters:

Parameter
Type
Description
Requeriment
service_code
string
IMPS_FTD_IN and IMPS_TRUST_IN
required
amount
num
Amount to process. e.g. 123.45
required
reference
string
Merchant’s Unique ID for transaction. It must be 22 alfanumeric digits (i.e. ‘0000000000002507135224‘)
required

IMPS Example Request:

{
    "service_code": "IMPS_IN",
    "amount": 200,
    "reference": "0000000000002507135224",
 	  "expired_at": "2025-06-06T22:59:59Z",
}

IMPS Example Response:

{
    "status": "success",
    "data": {
        "transaction_id": "PAY5408019077SFX121",
        "amount": 401,
        "currency": "INR",
        "status": "PENDING",
        "reference": "PAY5408019077",
        "created_at": "2025-09-10T22:16:47.962731+00:00",
        "updated_at": "2025-09-10T22:16:47.962731+00:00",
        "expired_at": "2025-09-11T22:16:47.962731+00:00",
        "account_beneficiary": "Test Account Name",
        "ifsc_code": "IFSC0123456",
        "redirect_hpp_url": "XXXXXXXXXXXXXXXXXXXXX"
    }
}
After receiving redirect_hpp_url, you need to redirect the client to the URL and wait for the final status of the transaction.