Welcome to the BankU Developer
Documentation

The BankU Developer Documentation provides a comprehensive resource for developers seeking to integrate and optimize BankU’s solutions. Within this documentation, you will find detailed API references, step-by-step setup guides, and integration instructions, all crafted to ensure a seamless development experience.

Documentation

Getting Started with BankU

This page will help you get started with BankU.

Webhooks

Webhooks are server callbacks to your server from Instantpay. Webhooks are event-based and are sent when specific events related to the transaction happen.

Configuration Steps

The Webhook is called after the transaction has been done. It reports the status of the transaction. In case of a pending transaction, final result of the transaction will also be reported on this Webhook once it is settled.
Step 1 -Please create a URL at your end on which we will hit a GET request with transaction parameters.
Step 2- Then login to Instantpay portal and Go to Developer APIs ➡️ Credentials and then click on Setup Webhook and enter the Webhook URL.
Step 3- For every callback, we expect a specific in response to the callback. The request and response structure is mentioned below.

Request Structure

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Request Parameters

Params Description
ipay_id Unique transaction id generated in Instantpay's system
agent_id Unique transaction id given by the client at the time of transaction
opr_id Uniques transaction id from the service provider
status Status of the transaction. Possible values are SUCCESS, PENDING or REFUND
res_code Response Code
res_msg Response Message
txn_mode Possible values are DR for Debit from user wallet and CR for Credit in user wallet.

Integration Credentials

Integration content area.

AePS Daily 2FA

Explanation here.

Validity of daily 2FA biometric authentication

Explanation here.

2FA Login before cash withdrawal

Explanation here.

POST

Header Parameters

Request Parameters

Sample Request

Response Parameters

Sample Response

[Updated] UPI VPA Verification API

September 18th, 2025 by Shahbaz Ali

UPI VPA verification is now. With this API you can validate any UPI ID before sending any amount.

July 4th, 2024 by Shahbaz Ali

September 18th, 2025 by Shahbaz Ali

As per guidelines received from the Credit Card Network, all the merchants must include Source account details i.e senderDetails and Name in the Credit Card Bill Payment Request and these will be mandatory fields for Credit Card Bill Payment Transactions.

Change in NMT API

July 4th, 2024 by Shahbaz Ali

In Remittance(Nepal) now the partner need to onboard the outlet using the APIs instead of sending the physical form to BankU.