Base URL & Protocol
All Production request endpoints are hosted securely at the primary gateway host:
https://app.finsova.in
Bearer Authentication & Headers
Generate a 2-hour short-lived JWT bearer token using your client-key and client-secret, then pass it in the Authorization header for all subsequent business endpoint calls.
| Header Name |
Type |
Required |
Description |
| Authorization | string | Required | Bearer <access_token> issued by CreateAccessToken. |
| Content-Type | string | Required | Must be application/json. |
| client-key | string | Required | Client key issued by Finsova. |
| client-secret | string | Required | Client secret issued by Finsova. |
POST 1. CreateAccessToken
Exchange static client credentials for a 2-hour bearer access token.
POST https://app.finsova.in/api/v1/createtoken
curl -X POST https://app.finsova.in/api/v1/createtoken \
-H "Content-Type: application/json" \
-H "client-key: YOUR_CLIENT_KEY" \
-H "client-secret: YOUR_CLIENT_SECRET"
{
"status": "SUCCESS",
"token": "eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9.eyJpc3MiOiJodHRwczovL2FwcC5maW5zb3ZhLmluIiwiaWF0IjoxNzcwNjM3MjY0fQ.SIGNATURE",
"token_expires_in": "2026-07-20 17:11:04",
"message": "Token generated successfully."
}
POST 2. CreatePgOrder
Create a payment gateway order and receive a hosted checkout URL for the customer.
POST https://app.finsova.in/api/v1/create/orders
| Parameter | Type | Required | Description |
|---|
| txn_id | string | Required | Your unique order reference ID. |
| amount | number | Required | Order amount in INR. |
| customer_name | string | Required | Payer full name. |
| customer_mobile | string | Required | Payer 10-digit mobile number. |
| customer_email | string | Required | Payer email address. |
POST 3. ProcessPayout
Disburse 24x7 IMPS, NEFT, or UPI bank transfers to beneficiary accounts.
POST https://app.finsova.in/api/v1/payout
| Parameter | Type | Required | Description |
|---|
| txn_id | string | Required | Unique payout reference ID. |
| bene_account_number | string | Required | Beneficiary bank account number. |
| bene_mobile | string | Required | Beneficiary 10-digit mobile number. |
| ifsc_code | string | Required | 11-character bank IFSC code. |
| bank_name | string | Required | Beneficiary bank name. |
| amount | number | Required | Payout amount in INR. |
| transfer_mode | string | Required | IMPS, NEFT, or UPI. |
{
"http_code": 201,
"status": "SUCCESS",
"message": "Transaction updated successfully.",
"data": {
"transaction_id": "FSV124630413",
"reference_id": "Y0YFXY8QG8XTVSIX",
"utr": "525612007094",
"transfer_mode": "IMPS",
"amount": 100,
"timestamp": "2026-07-31 09:25:16"
}
}
POST 4. CheckPayoutStatus
Query real-time status of a payout by original txn_id.
POST https://app.finsova.in/api/v1/payout-status
POST 5. FetchWalletBalance
Retrieve current active balance in your merchant payout wallet.
POST https://app.finsova.in/api/v1/get-balance
POST 6. Bank Account Validation (Penny Drop)
Verify bank account active status and beneficiary registered name before releasing funds.
POST https://app.finsova.in/api/v1/bank/validate
POST 7. KYC & Identity Verification API
Verify Aadhaar OTP, PAN OCR, GSTIN, and corporate ROC details in real-time.
POST https://app.finsova.in/api/v1/kyc/verify
POST 8. UPI Dynamic QR Collection API
Generate dynamic UPI QR codes and collect payments directly into your account with webhook reconciliation.
POST https://app.finsova.in/api/v1/upi/collect
POST 9. BBPS Bill Pay API
Fetch utility bill details and execute instant bill payments across 20,000+ national billers.
POST https://app.finsova.in/api/v1/bbps/pay
