INEXOPAY — API Documentation

Introduction

Welcome to the INEXOPAY API documentation. Our APIs provide seamless integration for banking services, PAN applications, and Aadhaar verification.

Quick Start

Get your api_key and username from the dashboard
Use the API Tester below each endpoint to test live requests
All APIs use Body Authentication (api_key, username in request body)

Authentication

All API requests require authentication. You can pass api_key and username either in the request body OR in the request headers (as x-api-key and x-api-username).

Body Authentication

Pass your API credentials in the request body for all API endpoints.

Parameter	Type	Required	Description
api_key	string	Yes	Your API key from dashboard
username	string	Yes	Your registered username

Header Authentication

Pass your API credentials in the request headers for all API endpoints.

Header	Type	Required	Description
x-api-key	string	Yes	Your API key from dashboard
x-api-username	string	Yes	Your registered username

Error Codes

Common error codes returned by the API.

Code	Status	Description
200	Success	Request processed successfully
400	Bad Request	Missing or invalid request parameters
401	Unauthorized	Invalid API key or username
402	Payment Required	Insufficient balance
403	Forbidden	IP not whitelisted, account not approved, or subscription expired
405	Method Not Allowed	Wrong HTTP method (e.g., GET instead of POST)
500	Server Error	Internal server error

Account & Status APIs

Note: All Account & Status APIs support both Header Authentication (x-api-key, x-api-username) and Body Authentication (api_key, username).

API Status Check

Check API Status & Balance

POST Body Auth Header Auth Check your API status, balance, and plan details

https://secure.inexopay.in/api/check_status.php

Parameter	Type	Required	Description
api_key / x-api-key	string	Yes	Your API key
username / x-api-username	string	Yes	Registered username

{
  "status_code": 200,
  "status": "SUCCESS",
  "message": "API Status Retrieved",
  "data": {
    "owner_name": "Your Name",
    "api_balance": 1250.50,
    "api_status": "ACTIVE",
    "plan_name": "Premium Plan",
    "bind_ip": "103.XX.XX.XX",
    "your_ip": "103.XX.XX.XX",
    "ip_status": "MATCHED"
  }
}

curl -X POST https://secure.inexopay.in/api/check_status.php \
  -H "Content-Type: application/x-www-form-urlencoded" \
  -d "api_key=YOUR_API_KEY&username=YOUR_USERNAME"

Balance Check

Check Your Account Balance

POST Body Auth Header Auth Get your current service balance

https://secure.inexopay.in/api/balance.php

Parameter	Type	Required	Description
api_key / x-api-key	string	Yes	Your API key
username / x-api-username	string	Yes	Registered username

{
  "status": "SUCCESS",
  "error_code": 200,
  "message": "Balance fetched successfully",
  "balance": 1250.50,
  "username": "jojo"
}

curl -X POST https://secure.inexopay.in/api/balance.php \
  -H "Content-Type: application/x-www-form-urlencoded" \
  -d "api_key=YOUR_API_KEY&username=YOUR_USERNAME"

NSDL Bank APIs

Important: All NSDL Bank APIs return the original provider response directly from AdiyogiFinTech. No custom formatting is applied.

Authentication: All NSDL Bank APIs support both Header Authentication (x-api-key, x-api-username) and Body Authentication (api_key, username).

Agent Onboarding

Onboard New NSDL Bank Agent

POST Body Auth Header Auth Register a new NSDL payment bank agent. bcagentid is optional and will be auto-generated sequentially if left blank (format: INX + 5-digit number).

https://secure.inexopay.in/api/nsdl-bank/v1/onboarding.php

Parameter	Type	Required	Description
api_key / x-api-key	string	Yes	Your API key
username / x-api-username	string	Yes	Your username
shop_name	string	Yes	Agent's shop name
name	string	Yes	Agent's full name
email	string	Yes	Agent's email address
mobile	string	Yes	Agent's mobile number
date_of_birth	string	Yes	Date of birth (YYYY-MM-DD)
address	string	Yes	Full address
state_name	string	Yes	State name
city_name	string	Yes	City name
pincode	string	Yes	Area pincode
pancard	string	Yes	Agent's PAN number
bcagentid	string	Optional	Custom Agent ID. If omitted, will be auto-generated (e.g. INX00001).

{
  "status": true,
  "message": "Agent verified successfully..!! Now you can create your agent account.",
  "data": {
    "txn_id": "NSDLP7",
    "agent_id": "NSDLP7"
  }
}

// Failure Response
{
  "status": false,
  "message": "Agent not verified :: THE GIVEN MOBILENUMBER IS ALREADY REGISTER"
}

curl -X POST https://secure.inexopay.in/api/nsdl-bank/v1/onboarding.php \
  -H "Content-Type: application/json" \
  -d '{"api_key":"YOUR_API_KEY","username":"YOUR_USERNAME","shop_name":"My Shop","name":"Rahul Kumar","email":"rahul@gmail.com","mobile":"9876543210","date_of_birth":"1990-01-15","address":"123 Main St","state_name":"Delhi","city_name":"New Delhi","pincode":"110001","pancard":"AWTPL9929J"}'

curl -X POST https://secure.inexopay.in/api/nsdl-bank/v1/onboarding.php \
  -H "x-api-key: YOUR_API_KEY" \
  -H "x-api-username: YOUR_USERNAME" \
  -H "Content-Type: application/json" \
  -d '{"shop_name":"My Shop","name":"Rahul Kumar","email":"rahul@gmail.com","mobile":"9876543210","date_of_birth":"1990-01-15","address":"123 Main St","state_name":"Delhi","city_name":"New Delhi","pincode":"110001","pancard":"AWTPL9929J"}'

Account Opening

Open New NSDL Bank Account

POST Body Auth Header Auth Initiate a saving (1) or current (2) account opening.

https://secure.inexopay.in/api/nsdl-bank/v1/account-open.php

Parameter	Type	Required	Description
api_key / x-api-key	string	Yes	Your API key
username / x-api-username	string	Yes	Your username
orderid	string	Yes	Your unique order ID
account_type	string	Yes	1 = Saving, 2 = Current
bcagentid	string	Yes	Your BC Agent ID (from onboarding)
agent_pancard	string	Yes	Agent's registered PAN card (stored as transaction reference)
first_name	string	Yes	Customer first name
middle_name	string	Optional	Customer middle name
last_name	string	Yes	Customer last name
email	string	Yes	Customer email
phone	string	Yes	Customer mobile number
pancard	string	Yes	Customer PAN number
pincode	string	Yes	Customer area pincode
return_url	string	Yes	URL to redirect after completion

{
  "status": true,
  "message": "Success..!!",
  "data": "https://nsdljiffy.co.in/jarvisjiffyBroker/accountOpen?signcs=...",
  "user": {
    "txn_id": "NSDLUCBDRJCBV",
    "customer_id": 838822
  }
}

curl -X POST https://secure.inexopay.in/api/nsdl-bank/v1/account-open.php \
  -H "Content-Type: application/json" \
  -d '{"api_key":"YOUR_API_KEY","username":"YOUR_USERNAME","orderid":"ORD12345","bcagentid":"INX00001","account_type":"1","first_name":"Rahul","last_name":"Kumar","email":"rahul@gmail.com","phone":"9876543210","pancard":"AWTPL9929J","pincode":"110001","return_url":"https://yoursite.com/callback","agent_pancard":"NTFPS6013M"}'

curl -X POST https://secure.inexopay.in/api/nsdl-bank/v1/account-open.php \
  -H "x-api-key: YOUR_API_KEY" \
  -H "x-api-username: YOUR_USERNAME" \
  -H "Content-Type: application/json" \
  -d '{"orderid":"ORD12345","bcagentid":"INX00001","account_type":"1","first_name":"Rahul","last_name":"Kumar","email":"rahul@gmail.com","phone":"9876543210","pancard":"AWTPL9929J","pincode":"110001","return_url":"https://yoursite.com/callback","agent_pancard":"NTFPS6013M"}'

Account Status Check

Check Account Status by PAN

POST Body Auth Header Auth Check NSDL bank account status using PAN number

https://secure.inexopay.in/api/nsdl-bank/v1/account-status.php

Parameter	Type	Required	Description
api_key / x-api-key	string	Yes	Your API key
username / x-api-username	string	Yes	Your username
pancard	string	Yes	PAN number to check status

{
  "status": true,
  "message": "Success",
  "data": {
    "id": 34,
    "account_type": 2,
    "txn_id": "NSDLUCBDRJCBV",
    "first_name": "Binod",
    "middle_name": null,
    "last_name": "Kumar",
    "email": "binodk@gmail.com",
    "phone": "7091919185",
    "pancard": "NTFPS6013M",
    "pincode": "852105",
    "is_completed": 1,
    "message": null,
    "status": 1,
    "date": "2026-05-04T10:00:00.000000Z",
    "is_refunded": 0,
    "created_at": "2026-05-04T10:00:00.000000Z",
    "updated_at": "2026-05-04T10:00:00.000000Z"
  }
}

// Error response
{
  "status": false,
  "message": "Record Not Found",
  "data": {
    "response": "Record Not Found",
    "respcode": "99"
  }
}

curl -X POST https://secure.inexopay.in/api/nsdl-bank/v1/account-status.php \
  -H "Content-Type: application/json" \
  -d '{"api_key":"YOUR_API_KEY","username":"YOUR_USERNAME","pancard":"NTFPS6013M"}'

curl -X POST https://secure.inexopay.in/api/nsdl-bank/v1/account-status.php \
  -H "x-api-key: YOUR_API_KEY" \
  -H "x-api-username: YOUR_USERNAME" \
  -H "Content-Type: application/json" \
  -d '{"pancard":"NTFPS6013M"}'

Account Details

Get Account Details by Txn ID

GET POST Body Auth Header Auth Get full account details using either txn_id or orderid

https://secure.inexopay.in/api/nsdl-bank/v1/account-details.php

Parameter	Type	Required	Description
api_key / x-api-key	string	Yes	Your API key
username / x-api-username	string	Yes	Your username
txn_id	string	Optional	Transaction ID from account-open response
orderid	string	Optional	Your unique order ID (will resolve to txn_id if provided)

{
  "status": true,
  "message": "Success",
  "data": {
    "id": 34,
    "account_type": 2,
    "txn_id": "NSDLUCBDRJCBV",
    "first_name": "Binod",
    "middle_name": null,
    "last_name": "Kumar",
    "email": "binodk@gmail.com",
    "phone": "7091919185",
    "pancard": "NTFPS6013M",
    "pincode": "852105",
    "is_completed": 1,
    "message": null,
    "status": 1,
    "date": "2026-05-04T10:00:00.000000Z",
    "is_refunded": 0,
    "created_at": "2026-05-04T10:00:00.000000Z",
    "updated_at": "2026-05-04T10:00:00.000000Z"
  }
}

curl -X GET "https://secure.inexopay.in/api/nsdl-bank/v1/account-details.php?txn_id=NSDLUCBDRJCBV&api_key=YOUR_API_KEY&username=YOUR_USERNAME"

curl -X POST https://secure.inexopay.in/api/nsdl-bank/v1/account-details.php \
  -H "x-api-key: YOUR_API_KEY" \
  -H "x-api-username: YOUR_USERNAME" \
  -H "Content-Type: application/json" \
  -d '{"txn_id":"NSDLUCBDRJCBV"}'

Incomplete Account Opening URL Retrieval

Retrieve Incomplete Transaction URL

POST GET Body Auth Header Auth Fetch the stored account opening redirect URL of a pending transaction.

https://secure.inexopay.in/api/nsdl-bank/v1/incomplete.php

Parameter	Type	Required	Description
api_key / x-api-key	string	Yes	Your API key
username / x-api-username	string	Yes	Your username
orderid	string	Yes	Your unique order ID

{
  "status": true,
  "message": "Redirect URL retrieved successfully.",
  "order_id": "testbank",
  "txn_id": "NSDLUCBDRJCBV",
  "account_url": "https://nsdljiffy.co.in/jarvisjiffyBroker/accountOpen?signcs=...",
  "status_in_db": "pending"
}

// Failure Response (when status is not pending or not found)
{
  "status": false,
  "message": "Transaction status is failed. URL can only be retrieved for pending transactions."
}

curl -X POST https://secure.inexopay.in/api/nsdl-bank/v1/incomplete.php \
  -H "Content-Type: application/json" \
  -d '{"api_key":"YOUR_API_KEY","username":"YOUR_USERNAME","orderid":"testbank"}'

Wallet Load APIs

Note: All Wallet APIs support both Header Authentication (x-api-key, x-api-username) and Body Authentication (api_key, username).

Generate UPI QR

Generate UPI QR for Wallet Load

POST Header Auth Body Auth Generate a UPI QR code to load money into your wallet

https://secure.inexopay.in/api/wallet/v1/load_request.php

Parameter	Type	Required	Description
api_key / x-api-key	string	Yes	Your API key
username / x-api-username	string	Yes	Your username
amount	number	Yes	Amount to load (minimum as per settings)

{
  "status_code": 200,
  "status": "SUCCESS",
  "message": "QR generated successfully! Please scan and pay, then use check_status API to verify payment.",
  "data": {
    "order_id": "WAL1234567890123",
    "amount": 100,
    "qr_url": "https://api.qrserver.com/v1/create-qr-code/...",
    "upi_id": "paytmqr5hcr1f@ptys",
    "account_holder_name": "INEXOPAY",
    "tx_string": "upi://pay?pa=paytmqr5hcr1f@ptys&pn=INEXOPAY&cu=INR&tn=WAL1234567890123&am=100&tr=WAL1234567890123",
    "status": "pending"
  }
}

curl -X POST https://secure.inexopay.in/api/wallet/v1/load_request.php \
  -H "Content-Type: application/json" \
  -d '{"api_key":"YOUR_API_KEY","username":"YOUR_USERNAME","amount":100}'

curl -X POST https://secure.inexopay.in/api/wallet/v1/load_request.php \
  -H "x-api-key: YOUR_API_KEY" \
  -H "x-api-username: YOUR_USERNAME" \
  -H "Content-Type: application/json" \
  -d '{"amount":100}'

Check Payment Status

Check Wallet Load Payment Status

POST Header Auth Body Auth Check payment status and automatically credit wallet if payment is successful

https://secure.inexopay.in/api/wallet/v1/check_status.php

Parameter	Type	Required	Description
api_key / x-api-key	string	Yes	Your API key
username / x-api-username	string	Yes	Your username
order_id	string	Yes	Order ID from load_request response

{
  "status_code": 200,
  "status": "SUCCESS",
  "data": {
    "order_id": "WAL1234567890123",
    "amount": 100,
    "status": "success",
    "date_time": "2025-01-15 10:30:00",
    "bank": "UPI QR - INEXOPAY (paytmqr5hcr1f@ptys)",
    "mode": "API_UPI_QR",
    "remark": "Online Wallet Load via API - Success - UTR: BANK123456",
    "new_balance": 1100
  }
}

curl -X POST https://secure.inexopay.in/api/wallet/v1/check_status.php \
  -H "Content-Type: application/json" \
  -d '{"api_key":"YOUR_API_KEY","username":"YOUR_USERNAME","order_id":"WAL1234567890123"}'

curl -X POST https://secure.inexopay.in/api/wallet/v1/check_status.php \
  -H "x-api-key: YOUR_API_KEY" \
  -H "x-api-username: YOUR_USERNAME" \
  -H "Content-Type: application/json" \
  -d '{"order_id":"WAL1234567890123"}'

NSDL PAN APIs

Note: All NSDL PAN APIs support both Header Authentication (x-api-key, x-api-username) and Body Authentication (api_key, username).

Request PAN

Submit PAN Application

POST Body Auth Header Auth Initiate a new PAN or correction application. Returns redirect URL.

https://secure.inexopay.in/api/nsdl-pan/v1/request_pan.php

Parameter	Type	Required	Description
api_key / x-api-key	string	Yes	Your API key
username / x-api-username	string	Yes	Your username
number	string	Yes	Applicant mobile number
orderid	string	Yes	Your unique order ID
pan_mode	string	Yes	KYC mode: EKYC or ESIGN
pan_type	string	Yes	new_pan or correction

{
  "status_code": 200,
  "status": "SUCCESS",
  "message": "PAN Application Initiated Successfully",
  "data": {
    "txid": "50089349",
    "url": "https://connect.inspay.in/nsdl/pan?process_id=2504&txid=50089349&mode=K",
    "number": "9876543210",
    "orderid": "ORD12345"
  }
}

// Error Response:
{
  "status_code": 400,
  "status": "FAILED",
  "message": "Error description"
}

curl -X POST https://secure.inexopay.in/api/nsdl-pan/v1/request_pan.php \
  -H "Content-Type: application/x-www-form-urlencoded" \
  -d "api_key=YOUR_API_KEY&username=YOUR_USERNAME&number=9876543210&orderid=ORD12345&pan_mode=EKYC&pan_type=new_pan"

curl -X POST https://secure.inexopay.in/api/nsdl-pan/v1/request_pan.php \
  -H "x-api-key: YOUR_API_KEY" \
  -H "x-api-username: YOUR_USERNAME" \
  -H "Content-Type: application/x-www-form-urlencoded" \
  -d "number=9876543210&orderid=ORD12345&pan_mode=EKYC&pan_type=new_pan"

PAN Status Check

Check PAN Application Status

POST Body Auth Header Auth Check the status of a PAN application by order ID

https://secure.inexopay.in/api/nsdl-pan/v1/pan_status.php

Parameter	Type	Required	Description
api_key / x-api-key	string	Yes	Your API key
username / x-api-username	string	Yes	Your username
orderid	string	Yes	Order ID from PAN request

{
  "status_code": 200,
  "status": "SUCCESS",
  "message": "Status fetched from portal",
  "order_id": "ORD12345",
  "reference": "OPB5020WJ7TM",
  "number": "9876543210",
  "amount": 107.00,
  "date_time": "2025-01-15 10:30:00",
  "data": {
    "status": "Success",
    "orderid": "ORD12345",
    "txid": "484340",
    "amount": 107,
    "opid": "OPB5020WJ7TM",
    "number": "9876543210",
    "created_at": "2026-05-04 18:23:40",
    "updated_at": "2026-05-04 18:23:40"
  }
}

curl -X POST https://secure.inexopay.in/api/nsdl-pan/v1/pan_status.php \
  -H "Content-Type: application/x-www-form-urlencoded" \
  -d "api_key=YOUR_API_KEY&username=YOUR_USERNAME&orderid=ORD12345"

curl -X POST https://secure.inexopay.in/api/nsdl-pan/v1/pan_status.php \
  -H "x-api-key: YOUR_API_KEY" \
  -H "x-api-username: YOUR_USERNAME" \
  -H "Content-Type: application/x-www-form-urlencoded" \
  -d "orderid=ORD12345"

Incomplete Applications

Resume Incomplete PAN Application

POST Body Auth Header Auth Resume an incomplete PAN application.

https://secure.inexopay.in/api/nsdl-pan/v1/incomplete.php

Parameter	Type	Required	Description
api_key / x-api-key	string	Yes	Your API key
username / x-api-username	string	Yes	Your username
orderid	string	Yes	Order ID of incomplete application

{
  "status_code": 200,
  "status": "SUCCESS",
  "message": "Incomplete PAN Application Resumed",
  "data": {
    "txid": "50089422",
    "url": "https://connect.inspay.in/nsdl/pan_inc?process_id=2504&txid=50089422",
    "orderid": "ORD12345"
  }
}

// Error Response:
{
  "status_code": 400,
  "status": "FAILED",
  "message": "URL Expired, please try again with a new request"
}

curl -X POST https://secure.inexopay.in/api/nsdl-pan/v1/incomplete.php \
  -H "Content-Type: application/x-www-form-urlencoded" \
  -d "api_key=YOUR_API_KEY&username=YOUR_USERNAME&orderid=ORD12345"

curl -X POST https://secure.inexopay.in/api/nsdl-pan/v1/incomplete.php \
  -H "x-api-key: YOUR_API_KEY" \
  -H "x-api-username: YOUR_USERNAME" \
  -H "Content-Type: application/x-www-form-urlencoded" \
  -d "orderid=ORD12345"

Aadhaar Verification APIs

Note: All Aadhaar Verification APIs support both Header Authentication (x-api-key, x-api-username) and Body Authentication (api_key, username).

Send Aadhaar OTP

Send OTP to Aadhaar-Linked Mobile

POST Body Auth Header Auth Send OTP to the mobile number linked with the Aadhaar

https://secure.inexopay.in/api/verification/v1/send-otp.php

Parameter	Type	Required	Description
api_key / x-api-key	string	Yes	Your API key
username / x-api-username	string	Yes	Your username
orderid	string	Yes	Your unique order ID
aadhaar_number	string	Yes	12-digit Aadhaar number

{
  "status_code": 200,
  "status": "success",
  "message": "Successfully generated One Time Password (OTP).",
  "data": {
    "request_id": "ADHRVFR19052420260531_1e2d274",
    "aadhaar": "441003356445",
    "status": "pending"
  },
  "meta": {
    "request_id": "7c15b0c5-6f72-4487-a61a-9cfc8be80d78",
    "time": "2025-01-15T10:30:00+00:00"
  }
}

curl -X POST https://secure.inexopay.in/api/verification/v1/send-otp.php \
  -H "Content-Type: application/x-www-form-urlencoded" \
  -d "api_key=YOUR_API_KEY&username=YOUR_USERNAME&orderid=ORD12345&aadhaar_number=441003356445"

Verify Aadhaar OTP

Verify OTP & Get Aadhaar Details

POST Body Auth Header Auth Submit OTP to verify Aadhaar and get details

https://secure.inexopay.in/api/verification/v1/verify-otp.php

Parameter	Type	Required	Description
api_key / x-api-key	string	Yes	Your API key
username / x-api-username	string	Yes	Your username
orderid	string	Yes	Your unique order ID
request_id	string	Yes	Request ID from send-otp response
otp	string	Yes	6-digit OTP received on mobile
aadhaar_number	string	Yes	Same Aadhaar number used in send-otp

{
  "status_code": 200,
  "status": "success",
  "message": "Aadhaar verification successful",
  "data": {
    "request_id": "ADHRVFR19052420260531_1e2d274",
    "status": "verified",
    "aadhaar_details": {
      "full_name": "Shivam",
      "dob": "01-01-2001",
      "gender": "Male",
      "address": "Nagla Sarai, Dabar, Agra, Uttar Pradesh, 283110"
    }
  },
  "meta": {
    "request_id": "86573ba4-c189-42c9-a61a-9cfc8be80d78",
    "time": "2025-01-15T10:30:00+00:00"
  }
}

curl -X POST https://secure.inexopay.in/api/verification/v1/verify-otp.php \
  -H "Content-Type: application/x-www-form-urlencoded" \
  -d "api_key=YOUR_API_KEY&username=YOUR_USERNAME&orderid=ORD12345&request_id=ADHRVFR19052420260531_1e2d274&otp=123456&aadhaar_number=441003356445"

Webhook & Callback

Receive real‑time status updates for all your transactions via webhook or per‑transaction callback.

How it works

Set a global webhook URL in your profile (applied to all transactions)
Or specify a per‑transaction return_url in the API request (priority over global)
When a transaction status changes (success/failure/refund), we’ll send a POST request to your URL
Failed webhooks are automatically retried up to 10 times with exponential backoff

Callback Payload

Webhook POST Payload

POST To your webhook/callback URL

Headers:

Content-Type: application/x-www-form-urlencoded
X-Callback-Source: INEXOPAY-API

orderid=ORD12345
&order_id=ORD12345
&status=success
&remark=Transaction+Successful
&datetime=2026-06-03+15:30:00
&callback_type=global_webhook

<?php
// webhook-receiver.php - Example webhook receiver
$input = file_get_contents('php://input');
parse_str($input, $payload);

// Optional: Verify this is a legitimate callback
// (Implement your own verification logic here)

// Log the payload for debugging
file_put_contents('webhook.log', date('Y-m-d H:i:s') . ' - ' . json_encode($payload) . "\n", FILE_APPEND);

// Process the payload
$orderId = $payload['orderid'] ?? $payload['order_id'];
$status = $payload['status'];
$remark = $payload['remark'];

// Update your database, send notifications, etc.

// Respond with 200 OK to acknowledge receipt
http_response_code(200);
echo 'OK';
?>

Field	Type	Description
orderid	string	Your unique order ID
order_id	string	Same as orderid (for compatibility)
status	string	Transaction status: success/failed/refund/pending
remark	string	Human-readable status message
datetime	string	Timestamp of the status update (Y-m-d H:i:s)
callback_type	string	global_webhook or per_transaction

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INEXOPAY API Documentation