How to Integrate a UPI Payout API

Integrating a UPI payout API is straightforward. This guide walks through the typical steps and shows a sample request so your team knows what to expect.

Step 1 — Get your credentials

After onboarding you receive a merchant ID and a secret key. Payout requests are authenticated with an MD5 signature built from your order ID, a timestamp and your secret.

Step 2 — Whitelist your server IP

Payout endpoints only accept requests from your approved server IPs — an extra layer of protection for outgoing money.

Step 3 — Create a payout

Send a POST request with the payee details and amount:

# Create a payout
POST https://api.xpay24.net/v1/payouts/create
{
  "merchantId": 1001,
  "orderId":    "PO20260724001",
  "amount":     50000,
  "payoutType": "UPI",
  "accountNumber": "name@bank",
  "timestamp":  1784540680182,
  "sign":       "md5(orderId+timestamp+secret)"
}

Step 4 — Handle the webhook

XPay calls your notifyUrl with the final status and UTR. Verify the signature, update your records, and reply OK. If your endpoint doesn't confirm, XPay retries automatically.

That's it — with those four steps you can disburse UPI and IMPS payouts programmatically. See the full field reference in our documentation.