General Queries

Where can I connect if having any issue with the integration?

You can drop an email to the integration team at [email protected] with your registered mobile number/ Eko code, the programming language that you are working on, your developer details, product(s) which you implementing and your query

What are credentials to be used for the staging environment for testing DMT?

  1. developer_key - becbbce45f79c6f5109f848acd540567
  2. Key - d2fe1d99-6298-4af2-8cc5-d97dcf46df30 (will be used to generate secret-key and secret-key-timestamp). The secret-key and secret-key-timestamp have to be generated dynamically. Refer to the link ‚Äú‚ÄĚ for the dynamic secret-key and secret-key-timestamp generation
  3. initiator_id - 9962981729

What is the process flow for Domestic Money Transfer?

  • First you need to onboard your merchants/ retailers using the Onboard user API
  • Then you need to check that whether the customer is already existing or not on EKO‚Äôs platform using the Get Customer Information API.
  • If the customer is already existing, then fetch his already registered recipients using the Get List of Recipients API. If the customer is not registered, then create a customer using the Create Customer API.
  • After the creation of the customer you need to verify the customer using the Verify Customer Identity API. You will not receive an OTP on the mobile number entered as customer's mobile number. If you want to resend the otp hit the Resend OTP API
  • If the customer is already registered and no recipient has been added then add the recipient using the Add Recipient API. You can check the list of recipients added from the Get list of recipients API
  • Once the recipient has been added or the already registered recipient has been selected then you can send the cash using Initiate Transaction API via either IMPS or NEFT channel
  • You can check the status of any transaction using the Check Transaction Status API. If any transaction goes into the refund pending then you can process the refund using the Refund API
  • On the staging environment, OTP will not be received on the mobile number. You need to implement the Resend Refund OTP API. Use the OTP coming in the response of this API.

How to generate the secret-key and secret-key-timestamp dynamically?

You need to pass dynamic secret-key and secret-key-timestamp in every request in headers along with developer_key. For the dynamic generation of secret-key and secret-key-timestamp, refer to Authentication . We have sample code available in PHP, Java and C#.

What are the possible status that can come while doing a DMT transaction?

2Initiated/ Response Awaited
3Refund Pending
5Hold (Transaction Inquiry have to done)

If you get the tx_status other than 0, 1, 3 and 4 in the send money API then you need to make an inquiry for that transaction using the Get transaction status API.

What are the possible error codes that can come in the response while implementing DMT?

Refer to Error Codes

What are the limits of the transaction for DMTl?

IMPS/NEFT limit is:

  • Rs 5,000 per sender per transaction
  • Rs 25,000 per sender per month

How can I get my live credentials?

Once you are done with the implementation, you have to share the request and response of the onboard user API, create customer API, Customer verification API and Resend OTP API and the login credentials with URL with us where the DMT APIs implementation has been done. Also, the requests shared should be from your server and not postman.

Technical team will do the sanity testing to check the flow and then gives you go ahead for the live credentials if everything goes right and will share the production credentials on the registered email id.

Sanity Testing is a required step in order to get the live credentials so as to avoid any issues on the production environment and to and fro. Find the list of APIs which have to be implemented:

Onboard User
Get Customer Information
Create Customer
Resend OTP of customer Verification
Customer Verification
Get Bank Details API
Account Verification (If using)
Add recipient
Get recipient details
Get list of recipients
Send money API via IMPS
Transaction Inquiry API Using the Eko TID
Transaction Inquiry API using the Client_ref_id
Resend refund OTP API
Refund API

I am getting "Not a Valid state" error message, how can I resolve the same?

Pass the correct and valid name of the state. Please find the state list which is stored in our database and pass the state value accordingly:

| id | name |
| 1 | Andaman and Nicobar |
| 2 | Andhra Pradesh |
| 3 | Arunachal Pradesh |
| 4 | Assam |
| 5 | Bihar |
| 6 | Chandigarh |
| 7 | Chhattisgarh |
| 8 | Dadra and Nagar Haveli |
| 9 | Daman and Diu |
| 10 | Goa |
| 11 | Gujarat |
| 12 | Haryana |
| 13 | Himachal Pradesh |
| 14 | Jammu and Kashmir |
| 15 | Jharkhand |
| 16 | Karnataka |
| 17 | Kerala |
| 18 | Lakshadweep |
| 19 | Madhya Pradesh |
| 20 | Maharashtra |
| 21 | Manipur |
| 22 | Meghalaya |
| 23 | Mizoram |
| 24 | Nagaland |
| 25 | Delhi |
| 26 | Odisha |
| 27 | Puducherry |
| 28 | Punjab |
| 29 | Rajasthan |
| 30 | Sikkim |
| 31 | Tamil Nadu |
| 32 | Telangana |
| 33 | Tripura |
| 34 | Uttar Pradesh |
| 35 | Uttarakhand |
| 36 | West Bengal |
| 37 | Andhra Pradesh (New) |

I am getting "This user already exists" error message, how can I resolve the same?

This is not an error message , we have given the user_code value in the response, map the same and store it with the details in your database

I am getting "Failed!Please try again again after sometime" error message, how can I resolve the same?

Drop an email on [email protected] with the complete request and response along with the timestamp and request URL so that we can check the logs and let you know the issue

I am getting "PAN Verification Fail" error message, how can I resolve the same?

If getting message on prodution server then drop an email on [email protected] , for the staging environment drop an email on [email protected] with the complete request and response along with the timestamp and request URL so that the team can check the logs and let you know the issue

I am getting "Failed! do OTP verification first" error message while onboarding a user, how can I resolve the same?

Drop an email on [email protected] or to your RM with your Eko code / Registered mobile number to supress the OTP verification in the user onboarding flow