Create Payment
curl --request POST \
--url https://api.paywint.com/api/platform/payment/create-payment \
--header 'Content-Type: application/json' \
--header 'X-Platform-ID: <x-platform-id>' \
--header 'X-Signature: <x-signature>' \
--data '
{
"user_id": "f47ac10b-****-****-****-0e02b2c3d479",
"payee_id": "f47ac10b-****-****-****-0e02b2c3d479",
"amount": 123,
"invoice_no": "INV-2024-001234",
"card_id": "f47ac10b-****-****-****-0e02b2c3d479",
"bank_id": "f47ac10b-****-****-****-0e02b2c3d479",
"description": "<string>",
"payment_descriptor": "<string>",
"payee_card_id": "f47ac10b-****-****-****-0e02b2c3d479",
"payee_bank_id": "f47ac10b-****-****-****-0e02b2c3d479",
"to_pw_bank_id": "f47ac10b-****-****-****-0e02b2c3d479",
"payment_for": "payment"
}
'import requests
url = "https://api.paywint.com/api/platform/payment/create-payment"
payload = {
"user_id": "f47ac10b-****-****-****-0e02b2c3d479",
"payee_id": "f47ac10b-****-****-****-0e02b2c3d479",
"amount": 123,
"invoice_no": "INV-2024-001234",
"card_id": "f47ac10b-****-****-****-0e02b2c3d479",
"bank_id": "f47ac10b-****-****-****-0e02b2c3d479",
"description": "<string>",
"payment_descriptor": "<string>",
"payee_card_id": "f47ac10b-****-****-****-0e02b2c3d479",
"payee_bank_id": "f47ac10b-****-****-****-0e02b2c3d479",
"to_pw_bank_id": "f47ac10b-****-****-****-0e02b2c3d479",
"payment_for": "payment"
}
headers = {
"X-Platform-ID": "<x-platform-id>",
"X-Signature": "<x-signature>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {
'X-Platform-ID': '<x-platform-id>',
'X-Signature': '<x-signature>',
'Content-Type': 'application/json'
},
body: JSON.stringify({
user_id: 'f47ac10b-****-****-****-0e02b2c3d479',
payee_id: 'f47ac10b-****-****-****-0e02b2c3d479',
amount: 123,
invoice_no: 'INV-2024-001234',
card_id: 'f47ac10b-****-****-****-0e02b2c3d479',
bank_id: 'f47ac10b-****-****-****-0e02b2c3d479',
description: '<string>',
payment_descriptor: '<string>',
payee_card_id: 'f47ac10b-****-****-****-0e02b2c3d479',
payee_bank_id: 'f47ac10b-****-****-****-0e02b2c3d479',
to_pw_bank_id: 'f47ac10b-****-****-****-0e02b2c3d479',
payment_for: 'payment'
})
};
fetch('https://api.paywint.com/api/platform/payment/create-payment', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://api.paywint.com/api/platform/payment/create-payment",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'user_id' => 'f47ac10b-****-****-****-0e02b2c3d479',
'payee_id' => 'f47ac10b-****-****-****-0e02b2c3d479',
'amount' => 123,
'invoice_no' => 'INV-2024-001234',
'card_id' => 'f47ac10b-****-****-****-0e02b2c3d479',
'bank_id' => 'f47ac10b-****-****-****-0e02b2c3d479',
'description' => '<string>',
'payment_descriptor' => '<string>',
'payee_card_id' => 'f47ac10b-****-****-****-0e02b2c3d479',
'payee_bank_id' => 'f47ac10b-****-****-****-0e02b2c3d479',
'to_pw_bank_id' => 'f47ac10b-****-****-****-0e02b2c3d479',
'payment_for' => 'payment'
]),
CURLOPT_HTTPHEADER => [
"Content-Type: application/json",
"X-Platform-ID: <x-platform-id>",
"X-Signature: <x-signature>"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://api.paywint.com/api/platform/payment/create-payment"
payload := strings.NewReader("{\n \"user_id\": \"f47ac10b-****-****-****-0e02b2c3d479\",\n \"payee_id\": \"f47ac10b-****-****-****-0e02b2c3d479\",\n \"amount\": 123,\n \"invoice_no\": \"INV-2024-001234\",\n \"card_id\": \"f47ac10b-****-****-****-0e02b2c3d479\",\n \"bank_id\": \"f47ac10b-****-****-****-0e02b2c3d479\",\n \"description\": \"<string>\",\n \"payment_descriptor\": \"<string>\",\n \"payee_card_id\": \"f47ac10b-****-****-****-0e02b2c3d479\",\n \"payee_bank_id\": \"f47ac10b-****-****-****-0e02b2c3d479\",\n \"to_pw_bank_id\": \"f47ac10b-****-****-****-0e02b2c3d479\",\n \"payment_for\": \"payment\"\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("X-Platform-ID", "<x-platform-id>")
req.Header.Add("X-Signature", "<x-signature>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://api.paywint.com/api/platform/payment/create-payment")
.header("X-Platform-ID", "<x-platform-id>")
.header("X-Signature", "<x-signature>")
.header("Content-Type", "application/json")
.body("{\n \"user_id\": \"f47ac10b-****-****-****-0e02b2c3d479\",\n \"payee_id\": \"f47ac10b-****-****-****-0e02b2c3d479\",\n \"amount\": 123,\n \"invoice_no\": \"INV-2024-001234\",\n \"card_id\": \"f47ac10b-****-****-****-0e02b2c3d479\",\n \"bank_id\": \"f47ac10b-****-****-****-0e02b2c3d479\",\n \"description\": \"<string>\",\n \"payment_descriptor\": \"<string>\",\n \"payee_card_id\": \"f47ac10b-****-****-****-0e02b2c3d479\",\n \"payee_bank_id\": \"f47ac10b-****-****-****-0e02b2c3d479\",\n \"to_pw_bank_id\": \"f47ac10b-****-****-****-0e02b2c3d479\",\n \"payment_for\": \"payment\"\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://api.paywint.com/api/platform/payment/create-payment")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["X-Platform-ID"] = '<x-platform-id>'
request["X-Signature"] = '<x-signature>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"user_id\": \"f47ac10b-****-****-****-0e02b2c3d479\",\n \"payee_id\": \"f47ac10b-****-****-****-0e02b2c3d479\",\n \"amount\": 123,\n \"invoice_no\": \"INV-2024-001234\",\n \"card_id\": \"f47ac10b-****-****-****-0e02b2c3d479\",\n \"bank_id\": \"f47ac10b-****-****-****-0e02b2c3d479\",\n \"description\": \"<string>\",\n \"payment_descriptor\": \"<string>\",\n \"payee_card_id\": \"f47ac10b-****-****-****-0e02b2c3d479\",\n \"payee_bank_id\": \"f47ac10b-****-****-****-0e02b2c3d479\",\n \"to_pw_bank_id\": \"f47ac10b-****-****-****-0e02b2c3d479\",\n \"payment_for\": \"payment\"\n}"
response = http.request(request)
puts response.read_body{
"success": true,
"message": "Operation completed.",
"data": {
"payment_id": "f47ac10b-****-****-****-0e02b2c3d479",
"transaction_id": 1501,
"payer_id": "f47ac10b-****-****-****-0e02b2c3d479",
"payee_id": "f47ac10b-****-****-****-0e02b2c3d479",
"amount": 100,
"processing_fee": 1.5,
"delivery_fee": 0.5,
"invoice_no": "INV-2024-001234",
"currency": "USD",
"description": "June invoice for services",
"created_at": "2025-06-16T10:04:51.739761Z",
"payment_date": "2025-06-16T10:13:16.749655Z",
"status": "success",
"card_id": "f47ac10b-****-****-****-0e02b2c3d479",
"bank_id": "f47ac10b-****-****-****-0e02b2c3d479",
"payee_card_id": "f47ac10b-****-****-****-0e02b2c3d479",
"payee_bank_id": "f47ac10b-****-****-****-0e02b2c3d479",
"to_pw_bank_id": "f47ac10b-****-****-****-0e02b2c3d479",
"failure_reason": "Insufficient wallet balance",
"payout_currency": "INR",
"payout_amount": 8500,
"exchange_rate": 84.91,
"payment_method": "WALLET",
"receiving_method": "WALLET"
},
"queryGeneratedTime": 1718006400
}{
"detail": [
{
"loc": [
"<string>"
],
"msg": "<string>",
"type": "<string>"
}
]
}Create Payment
Initiates a payment from a user to one of their registered payees.
This endpoint performs the following actions:
- Accepts payment details including payer, payee, amount, and selected payment method
- Calculates any applicable processing and delivery fees
- Executes the relevant payment flow based on the delivery method (WALLET, CARD, ACH, PW_BANK, RTP, FEDNOW)
- Sends transaction notifications upon successful payment
POST
/
api
/
platform
/
payment
/
create-payment
Create Payment
curl --request POST \
--url https://api.paywint.com/api/platform/payment/create-payment \
--header 'Content-Type: application/json' \
--header 'X-Platform-ID: <x-platform-id>' \
--header 'X-Signature: <x-signature>' \
--data '
{
"user_id": "f47ac10b-****-****-****-0e02b2c3d479",
"payee_id": "f47ac10b-****-****-****-0e02b2c3d479",
"amount": 123,
"invoice_no": "INV-2024-001234",
"card_id": "f47ac10b-****-****-****-0e02b2c3d479",
"bank_id": "f47ac10b-****-****-****-0e02b2c3d479",
"description": "<string>",
"payment_descriptor": "<string>",
"payee_card_id": "f47ac10b-****-****-****-0e02b2c3d479",
"payee_bank_id": "f47ac10b-****-****-****-0e02b2c3d479",
"to_pw_bank_id": "f47ac10b-****-****-****-0e02b2c3d479",
"payment_for": "payment"
}
'import requests
url = "https://api.paywint.com/api/platform/payment/create-payment"
payload = {
"user_id": "f47ac10b-****-****-****-0e02b2c3d479",
"payee_id": "f47ac10b-****-****-****-0e02b2c3d479",
"amount": 123,
"invoice_no": "INV-2024-001234",
"card_id": "f47ac10b-****-****-****-0e02b2c3d479",
"bank_id": "f47ac10b-****-****-****-0e02b2c3d479",
"description": "<string>",
"payment_descriptor": "<string>",
"payee_card_id": "f47ac10b-****-****-****-0e02b2c3d479",
"payee_bank_id": "f47ac10b-****-****-****-0e02b2c3d479",
"to_pw_bank_id": "f47ac10b-****-****-****-0e02b2c3d479",
"payment_for": "payment"
}
headers = {
"X-Platform-ID": "<x-platform-id>",
"X-Signature": "<x-signature>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {
'X-Platform-ID': '<x-platform-id>',
'X-Signature': '<x-signature>',
'Content-Type': 'application/json'
},
body: JSON.stringify({
user_id: 'f47ac10b-****-****-****-0e02b2c3d479',
payee_id: 'f47ac10b-****-****-****-0e02b2c3d479',
amount: 123,
invoice_no: 'INV-2024-001234',
card_id: 'f47ac10b-****-****-****-0e02b2c3d479',
bank_id: 'f47ac10b-****-****-****-0e02b2c3d479',
description: '<string>',
payment_descriptor: '<string>',
payee_card_id: 'f47ac10b-****-****-****-0e02b2c3d479',
payee_bank_id: 'f47ac10b-****-****-****-0e02b2c3d479',
to_pw_bank_id: 'f47ac10b-****-****-****-0e02b2c3d479',
payment_for: 'payment'
})
};
fetch('https://api.paywint.com/api/platform/payment/create-payment', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://api.paywint.com/api/platform/payment/create-payment",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'user_id' => 'f47ac10b-****-****-****-0e02b2c3d479',
'payee_id' => 'f47ac10b-****-****-****-0e02b2c3d479',
'amount' => 123,
'invoice_no' => 'INV-2024-001234',
'card_id' => 'f47ac10b-****-****-****-0e02b2c3d479',
'bank_id' => 'f47ac10b-****-****-****-0e02b2c3d479',
'description' => '<string>',
'payment_descriptor' => '<string>',
'payee_card_id' => 'f47ac10b-****-****-****-0e02b2c3d479',
'payee_bank_id' => 'f47ac10b-****-****-****-0e02b2c3d479',
'to_pw_bank_id' => 'f47ac10b-****-****-****-0e02b2c3d479',
'payment_for' => 'payment'
]),
CURLOPT_HTTPHEADER => [
"Content-Type: application/json",
"X-Platform-ID: <x-platform-id>",
"X-Signature: <x-signature>"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://api.paywint.com/api/platform/payment/create-payment"
payload := strings.NewReader("{\n \"user_id\": \"f47ac10b-****-****-****-0e02b2c3d479\",\n \"payee_id\": \"f47ac10b-****-****-****-0e02b2c3d479\",\n \"amount\": 123,\n \"invoice_no\": \"INV-2024-001234\",\n \"card_id\": \"f47ac10b-****-****-****-0e02b2c3d479\",\n \"bank_id\": \"f47ac10b-****-****-****-0e02b2c3d479\",\n \"description\": \"<string>\",\n \"payment_descriptor\": \"<string>\",\n \"payee_card_id\": \"f47ac10b-****-****-****-0e02b2c3d479\",\n \"payee_bank_id\": \"f47ac10b-****-****-****-0e02b2c3d479\",\n \"to_pw_bank_id\": \"f47ac10b-****-****-****-0e02b2c3d479\",\n \"payment_for\": \"payment\"\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("X-Platform-ID", "<x-platform-id>")
req.Header.Add("X-Signature", "<x-signature>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://api.paywint.com/api/platform/payment/create-payment")
.header("X-Platform-ID", "<x-platform-id>")
.header("X-Signature", "<x-signature>")
.header("Content-Type", "application/json")
.body("{\n \"user_id\": \"f47ac10b-****-****-****-0e02b2c3d479\",\n \"payee_id\": \"f47ac10b-****-****-****-0e02b2c3d479\",\n \"amount\": 123,\n \"invoice_no\": \"INV-2024-001234\",\n \"card_id\": \"f47ac10b-****-****-****-0e02b2c3d479\",\n \"bank_id\": \"f47ac10b-****-****-****-0e02b2c3d479\",\n \"description\": \"<string>\",\n \"payment_descriptor\": \"<string>\",\n \"payee_card_id\": \"f47ac10b-****-****-****-0e02b2c3d479\",\n \"payee_bank_id\": \"f47ac10b-****-****-****-0e02b2c3d479\",\n \"to_pw_bank_id\": \"f47ac10b-****-****-****-0e02b2c3d479\",\n \"payment_for\": \"payment\"\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://api.paywint.com/api/platform/payment/create-payment")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["X-Platform-ID"] = '<x-platform-id>'
request["X-Signature"] = '<x-signature>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"user_id\": \"f47ac10b-****-****-****-0e02b2c3d479\",\n \"payee_id\": \"f47ac10b-****-****-****-0e02b2c3d479\",\n \"amount\": 123,\n \"invoice_no\": \"INV-2024-001234\",\n \"card_id\": \"f47ac10b-****-****-****-0e02b2c3d479\",\n \"bank_id\": \"f47ac10b-****-****-****-0e02b2c3d479\",\n \"description\": \"<string>\",\n \"payment_descriptor\": \"<string>\",\n \"payee_card_id\": \"f47ac10b-****-****-****-0e02b2c3d479\",\n \"payee_bank_id\": \"f47ac10b-****-****-****-0e02b2c3d479\",\n \"to_pw_bank_id\": \"f47ac10b-****-****-****-0e02b2c3d479\",\n \"payment_for\": \"payment\"\n}"
response = http.request(request)
puts response.read_body{
"success": true,
"message": "Operation completed.",
"data": {
"payment_id": "f47ac10b-****-****-****-0e02b2c3d479",
"transaction_id": 1501,
"payer_id": "f47ac10b-****-****-****-0e02b2c3d479",
"payee_id": "f47ac10b-****-****-****-0e02b2c3d479",
"amount": 100,
"processing_fee": 1.5,
"delivery_fee": 0.5,
"invoice_no": "INV-2024-001234",
"currency": "USD",
"description": "June invoice for services",
"created_at": "2025-06-16T10:04:51.739761Z",
"payment_date": "2025-06-16T10:13:16.749655Z",
"status": "success",
"card_id": "f47ac10b-****-****-****-0e02b2c3d479",
"bank_id": "f47ac10b-****-****-****-0e02b2c3d479",
"payee_card_id": "f47ac10b-****-****-****-0e02b2c3d479",
"payee_bank_id": "f47ac10b-****-****-****-0e02b2c3d479",
"to_pw_bank_id": "f47ac10b-****-****-****-0e02b2c3d479",
"failure_reason": "Insufficient wallet balance",
"payout_currency": "INR",
"payout_amount": 8500,
"exchange_rate": 84.91,
"payment_method": "WALLET",
"receiving_method": "WALLET"
},
"queryGeneratedTime": 1718006400
}{
"detail": [
{
"loc": [
"<string>"
],
"msg": "<string>",
"type": "<string>"
}
]
}Headers
Unique platform identifier (UUID). You receive this during onboarding. Must be sent with every API request.
HMAC-SHA256 request signature for authentication. Use your platform secret key to compute it as: METHOD + PATH + QUERY + BODY_HASH.
Body
application/json
Unique identifier (UUID) of the user initiating the payment.
Example:
"f47ac10b-****-****-****-0e02b2c3d479"
Unique identifier (UUID) of the recipient receiving the funds.
Example:
"f47ac10b-****-****-****-0e02b2c3d479"
Amount to be paid
Payment source selected by the payer (e.g., WALLET, CARD).
Available options:
WALLET, CARD, PW_BANK Invoice or transaction reference number for tracking and record-keeping purposes.
Maximum string length:
20Example:
"INV-2024-001234"
Destination for the received funds (e.g., WALLET, CARD, ACH, PW_BANK, RTP, FEDNOW).
Available options:
WALLET, CARD, ACH, PW_BANK, RTP, FEDNOW UUID of the payer’s card to be charged (required if using CARD as the payment method).
Example:
"f47ac10b-****-****-****-0e02b2c3d479"
UUID of the payer's source bank account to be debited when using ACH or PW_BANK.
Example:
"f47ac10b-****-****-****-0e02b2c3d479"
Optional short note or description for the payment (e.g., invoice reference, service details).
Maximum string length:
255Description to be shown in the statement. (Only available for RTP now)
Maximum string length:
50UUID of the payee’s card to receive funds (required if receiving to CARD).
Example:
"f47ac10b-****-****-****-0e02b2c3d479"
UUID of the payee’s bank account to receive funds (required if receiving to ACH).
Example:
"f47ac10b-****-****-****-0e02b2c3d479"
UUID of the payee's Paywint bank account to receive funds when receiving to PW_BANK.
Example:
"f47ac10b-****-****-****-0e02b2c3d479"
Indicates whether the payment is for a standard payment or subscription.
Available options:
payment, subscription Example:
"payment"
Response
Successful Response
Indicates whether the request was processed successfully.
Example:
true
A short, human-readable message describing the result of the request.
Example:
"Operation completed."
The main response payload, if applicable
Show child attributes
Show child attributes
The Unix timestamp (in seconds) indicating when the response was generated.
Example:
1718006400