Create Pay-in (India UPI)

POST/v1/h2h/payin-instancespayin:create

Create an India UPI (H2H) pay-in. You may send an optional Idempotency-Key header to safely retry the same request.

Request fields

Field	Type	Required	Description
`amount`	`string` (numeric)	Yes	Amount value; the unit is set by `currencySymbol` (see below)
`currencySymbol`	`string`	Yes	`INR` or `USDT` — which currency your `amount` is expressed in
`userDetails`	`object`	Yes	End customer details
`userDetails.email`	`string`	Yes	Customer email

How `amount` and `currencySymbol` work

The customer always pays in INR via UPI. Your merchant wallet is always credited in USDT on success. currencySymbol tells Transacty how to interpret amount:

`currencySymbol`	You send	Customer pays (UPI)	You receive (settled)
`INR`	`amount` in rupees	That INR amount	USDT equivalent at the current rate
`USDT`	`amount` in USDT	INR equivalent at the current rate	That USDT amount

Quote in INR: amount: "50", currencySymbol: "INR" → customer pays 50 INR, you receive the USDT equivalent.

Quote in USDT: amount: "50", currencySymbol: "USDT" → customer pays the INR equivalent of 50 USDT at the current rate, you receive 50 USDT.

Use GET /v1/h2h/conversion-rates if you need to display the rate or quote in your UI.

Example

Request (INR)


{
  "amount": "500",
  "currencySymbol": "INR",
  "userDetails": {
    "email": "payer@example.com"
  }
}

Request (USDT)


{
  "amount": "50",
  "currencySymbol": "USDT",
  "userDetails": {
    "email": "payer@example.com"
  }
}

cURL

curl -X POST https://api.transacty.ai/v1/h2h/payin-instances \
  -H "X-Transacty-Key: $TRANSACTY_KEY" \
  -H "X-Transacty-Timestamp: $TS" \
  -H "X-Transacty-Signature: $SIG" \
  -H "Content-Type: application/json" \
  -d '{
  "amount": "500",
  "currencySymbol": "INR",
  "userDetails": {
    "email": "payer@example.com"
  }
}'

Response


{
  "transactionId": "d562be7c-00d4-4d63-bf50-93f72b437222",
  "instanceId": "tlp_inst_8f21c0",
  "status": "pending",
  "amount": "500",
  "paymentDetails": {
    "upiId": "merchant@upi",
    "qr": "upi://pay?pa=merchant@upi&am=500&cu=INR"
  },
  "paymentInstructions": {
    "type": "upi",
    "displayName": "Pay via any UPI app"
  }
}

Response fields

Field	Type	Description
`transactionId`	`string`	Primary id — use for confirm, status poll, and the portal tx row
`instanceId`	`string`	Platform / TL Pay instance reference
`status`	`string`	Usually `pending` initially
`amount`	`string`	Requested amount
`paymentDetails`	`object`	UPI / QR payload to render in your UI
`paymentInstructions`	`object`	Normalized subset for display when present

Fields to store

Field	Store as
`transactionId`	Primary id for confirm + portal/transaction lookups
`instanceId`	Platform / TL Pay instance (support reference)
`paymentDetails`	UPI / QR payload for your payment screen
`paymentInstructions`	Normalized display subset, when present

After the customer pays in their UPI app, collect the bank UTR and call Confirm Payment (UTR).