cURL
curl --request POST \
--url https://sandbox.zapyd.com/pos/api/v1/payout/quotation \
--header 'Content-Type: application/json' \
--header 'X-API-KEY: <api-key>' \
--header 'X-SIGNATURE: <api-key>' \
--header 'X-TIMESTAMP: <api-key>' \
--data '
{
"asset": "usdt",
"fiat": "inr",
"customer_id": "def8b740-99f9-4cba-bc9e-99de57e927b4",
"bank_id": "4e6f1b20-a73c-11ec-b909-0242ac120002",
"risk_parameters": {
"ip_address": "127.0.0.1",
"device_id": "<string>",
"suspicious_activity_report": false,
"law_enforcement_agency_report": false
},
"network": "tron",
"payment_method": "IMPS",
"sending_amount": "51",
"receiving_amount": "5100"
}
'import requests
url = "https://sandbox.zapyd.com/pos/api/v1/payout/quotation"
payload = {
"asset": "usdt",
"fiat": "inr",
"customer_id": "def8b740-99f9-4cba-bc9e-99de57e927b4",
"bank_id": "4e6f1b20-a73c-11ec-b909-0242ac120002",
"risk_parameters": {
"ip_address": "127.0.0.1",
"device_id": "<string>",
"suspicious_activity_report": False,
"law_enforcement_agency_report": False
},
"network": "tron",
"payment_method": "IMPS",
"sending_amount": "51",
"receiving_amount": "5100"
}
headers = {
"X-API-KEY": "<api-key>",
"X-TIMESTAMP": "<api-key>",
"X-SIGNATURE": "<api-key>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {
'X-API-KEY': '<api-key>',
'X-TIMESTAMP': '<api-key>',
'X-SIGNATURE': '<api-key>',
'Content-Type': 'application/json'
},
body: JSON.stringify({
asset: 'usdt',
fiat: 'inr',
customer_id: 'def8b740-99f9-4cba-bc9e-99de57e927b4',
bank_id: '4e6f1b20-a73c-11ec-b909-0242ac120002',
risk_parameters: {
ip_address: '127.0.0.1',
device_id: '<string>',
suspicious_activity_report: false,
law_enforcement_agency_report: false
},
network: 'tron',
payment_method: 'IMPS',
sending_amount: '51',
receiving_amount: '5100'
})
};
fetch('https://sandbox.zapyd.com/pos/api/v1/payout/quotation', 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://sandbox.zapyd.com/pos/api/v1/payout/quotation",
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([
'asset' => 'usdt',
'fiat' => 'inr',
'customer_id' => 'def8b740-99f9-4cba-bc9e-99de57e927b4',
'bank_id' => '4e6f1b20-a73c-11ec-b909-0242ac120002',
'risk_parameters' => [
'ip_address' => '127.0.0.1',
'device_id' => '<string>',
'suspicious_activity_report' => false,
'law_enforcement_agency_report' => false
],
'network' => 'tron',
'payment_method' => 'IMPS',
'sending_amount' => '51',
'receiving_amount' => '5100'
]),
CURLOPT_HTTPHEADER => [
"Content-Type: application/json",
"X-API-KEY: <api-key>",
"X-SIGNATURE: <api-key>",
"X-TIMESTAMP: <api-key>"
],
]);
$response = curl_exec($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://sandbox.zapyd.com/pos/api/v1/payout/quotation"
payload := strings.NewReader("{\n \"asset\": \"usdt\",\n \"fiat\": \"inr\",\n \"customer_id\": \"def8b740-99f9-4cba-bc9e-99de57e927b4\",\n \"bank_id\": \"4e6f1b20-a73c-11ec-b909-0242ac120002\",\n \"risk_parameters\": {\n \"ip_address\": \"127.0.0.1\",\n \"device_id\": \"<string>\",\n \"suspicious_activity_report\": false,\n \"law_enforcement_agency_report\": false\n },\n \"network\": \"tron\",\n \"payment_method\": \"IMPS\",\n \"sending_amount\": \"51\",\n \"receiving_amount\": \"5100\"\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("X-API-KEY", "<api-key>")
req.Header.Add("X-TIMESTAMP", "<api-key>")
req.Header.Add("X-SIGNATURE", "<api-key>")
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://sandbox.zapyd.com/pos/api/v1/payout/quotation")
.header("X-API-KEY", "<api-key>")
.header("X-TIMESTAMP", "<api-key>")
.header("X-SIGNATURE", "<api-key>")
.header("Content-Type", "application/json")
.body("{\n \"asset\": \"usdt\",\n \"fiat\": \"inr\",\n \"customer_id\": \"def8b740-99f9-4cba-bc9e-99de57e927b4\",\n \"bank_id\": \"4e6f1b20-a73c-11ec-b909-0242ac120002\",\n \"risk_parameters\": {\n \"ip_address\": \"127.0.0.1\",\n \"device_id\": \"<string>\",\n \"suspicious_activity_report\": false,\n \"law_enforcement_agency_report\": false\n },\n \"network\": \"tron\",\n \"payment_method\": \"IMPS\",\n \"sending_amount\": \"51\",\n \"receiving_amount\": \"5100\"\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://sandbox.zapyd.com/pos/api/v1/payout/quotation")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["X-API-KEY"] = '<api-key>'
request["X-TIMESTAMP"] = '<api-key>'
request["X-SIGNATURE"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"asset\": \"usdt\",\n \"fiat\": \"inr\",\n \"customer_id\": \"def8b740-99f9-4cba-bc9e-99de57e927b4\",\n \"bank_id\": \"4e6f1b20-a73c-11ec-b909-0242ac120002\",\n \"risk_parameters\": {\n \"ip_address\": \"127.0.0.1\",\n \"device_id\": \"<string>\",\n \"suspicious_activity_report\": false,\n \"law_enforcement_agency_report\": false\n },\n \"network\": \"tron\",\n \"payment_method\": \"IMPS\",\n \"sending_amount\": \"51\",\n \"receiving_amount\": \"5100\"\n}"
response = http.request(request)
puts response.read_body{
"status": true,
"message": "Success",
"data": {
"id": "59bf60c3-e9af-40a7-9d5c-2a1aa191e769",
"customer_id": "84737c7d-7b62-4204-80d6-80f6ecb3ceb4",
"bank_id": "cab47575-bbcb-4294-81a3-30774104f3b6",
"asset": "USDT",
"fiat": "INR",
"network": "tron",
"sending_amount": "60.00",
"rate": "85.00",
"receiving_amount": "5100.00",
"fees": {
"zapyd_fee": "0.00",
"client_fee": "0.00",
"client_gst": "0.00",
"tds": "0"
},
"wallet_address": "TXqH4MnDw46f3yyrRwau3JF92Y1ie3pAXf",
"created_at": "2026-09-30T10:00:00Z",
"expiry_time": "2026-09-30T10:10:00Z"
}
}{
"status": false,
"message": "Bad Request",
"data": null,
"err_code": "REQ_FIELD_MISSING",
"errors": {
"amount": [
"receiving_amount is required"
]
}
}{
"status": false,
"message": "Internal Server Error",
"data": null,
"err_code": "SYS_INTERNAL_ERROR",
"errors": "Unexpected error occurred. Please try again later."
}{
"status": false,
"message": "Service unavailable",
"data": null,
"err_code": "SYS_SERVICE_UNAVAILABLE",
"errors": "Unexpected error occurred. Please try again later."
}Payouts
Create Quotation
Creates a payout quotation that fixes the exchange rate. Returns a crypto deposit address and a quotation ID that is valid for a fixed period.
POST
/
payout
/
quotation
cURL
curl --request POST \
--url https://sandbox.zapyd.com/pos/api/v1/payout/quotation \
--header 'Content-Type: application/json' \
--header 'X-API-KEY: <api-key>' \
--header 'X-SIGNATURE: <api-key>' \
--header 'X-TIMESTAMP: <api-key>' \
--data '
{
"asset": "usdt",
"fiat": "inr",
"customer_id": "def8b740-99f9-4cba-bc9e-99de57e927b4",
"bank_id": "4e6f1b20-a73c-11ec-b909-0242ac120002",
"risk_parameters": {
"ip_address": "127.0.0.1",
"device_id": "<string>",
"suspicious_activity_report": false,
"law_enforcement_agency_report": false
},
"network": "tron",
"payment_method": "IMPS",
"sending_amount": "51",
"receiving_amount": "5100"
}
'import requests
url = "https://sandbox.zapyd.com/pos/api/v1/payout/quotation"
payload = {
"asset": "usdt",
"fiat": "inr",
"customer_id": "def8b740-99f9-4cba-bc9e-99de57e927b4",
"bank_id": "4e6f1b20-a73c-11ec-b909-0242ac120002",
"risk_parameters": {
"ip_address": "127.0.0.1",
"device_id": "<string>",
"suspicious_activity_report": False,
"law_enforcement_agency_report": False
},
"network": "tron",
"payment_method": "IMPS",
"sending_amount": "51",
"receiving_amount": "5100"
}
headers = {
"X-API-KEY": "<api-key>",
"X-TIMESTAMP": "<api-key>",
"X-SIGNATURE": "<api-key>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {
'X-API-KEY': '<api-key>',
'X-TIMESTAMP': '<api-key>',
'X-SIGNATURE': '<api-key>',
'Content-Type': 'application/json'
},
body: JSON.stringify({
asset: 'usdt',
fiat: 'inr',
customer_id: 'def8b740-99f9-4cba-bc9e-99de57e927b4',
bank_id: '4e6f1b20-a73c-11ec-b909-0242ac120002',
risk_parameters: {
ip_address: '127.0.0.1',
device_id: '<string>',
suspicious_activity_report: false,
law_enforcement_agency_report: false
},
network: 'tron',
payment_method: 'IMPS',
sending_amount: '51',
receiving_amount: '5100'
})
};
fetch('https://sandbox.zapyd.com/pos/api/v1/payout/quotation', 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://sandbox.zapyd.com/pos/api/v1/payout/quotation",
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([
'asset' => 'usdt',
'fiat' => 'inr',
'customer_id' => 'def8b740-99f9-4cba-bc9e-99de57e927b4',
'bank_id' => '4e6f1b20-a73c-11ec-b909-0242ac120002',
'risk_parameters' => [
'ip_address' => '127.0.0.1',
'device_id' => '<string>',
'suspicious_activity_report' => false,
'law_enforcement_agency_report' => false
],
'network' => 'tron',
'payment_method' => 'IMPS',
'sending_amount' => '51',
'receiving_amount' => '5100'
]),
CURLOPT_HTTPHEADER => [
"Content-Type: application/json",
"X-API-KEY: <api-key>",
"X-SIGNATURE: <api-key>",
"X-TIMESTAMP: <api-key>"
],
]);
$response = curl_exec($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://sandbox.zapyd.com/pos/api/v1/payout/quotation"
payload := strings.NewReader("{\n \"asset\": \"usdt\",\n \"fiat\": \"inr\",\n \"customer_id\": \"def8b740-99f9-4cba-bc9e-99de57e927b4\",\n \"bank_id\": \"4e6f1b20-a73c-11ec-b909-0242ac120002\",\n \"risk_parameters\": {\n \"ip_address\": \"127.0.0.1\",\n \"device_id\": \"<string>\",\n \"suspicious_activity_report\": false,\n \"law_enforcement_agency_report\": false\n },\n \"network\": \"tron\",\n \"payment_method\": \"IMPS\",\n \"sending_amount\": \"51\",\n \"receiving_amount\": \"5100\"\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("X-API-KEY", "<api-key>")
req.Header.Add("X-TIMESTAMP", "<api-key>")
req.Header.Add("X-SIGNATURE", "<api-key>")
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://sandbox.zapyd.com/pos/api/v1/payout/quotation")
.header("X-API-KEY", "<api-key>")
.header("X-TIMESTAMP", "<api-key>")
.header("X-SIGNATURE", "<api-key>")
.header("Content-Type", "application/json")
.body("{\n \"asset\": \"usdt\",\n \"fiat\": \"inr\",\n \"customer_id\": \"def8b740-99f9-4cba-bc9e-99de57e927b4\",\n \"bank_id\": \"4e6f1b20-a73c-11ec-b909-0242ac120002\",\n \"risk_parameters\": {\n \"ip_address\": \"127.0.0.1\",\n \"device_id\": \"<string>\",\n \"suspicious_activity_report\": false,\n \"law_enforcement_agency_report\": false\n },\n \"network\": \"tron\",\n \"payment_method\": \"IMPS\",\n \"sending_amount\": \"51\",\n \"receiving_amount\": \"5100\"\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://sandbox.zapyd.com/pos/api/v1/payout/quotation")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["X-API-KEY"] = '<api-key>'
request["X-TIMESTAMP"] = '<api-key>'
request["X-SIGNATURE"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"asset\": \"usdt\",\n \"fiat\": \"inr\",\n \"customer_id\": \"def8b740-99f9-4cba-bc9e-99de57e927b4\",\n \"bank_id\": \"4e6f1b20-a73c-11ec-b909-0242ac120002\",\n \"risk_parameters\": {\n \"ip_address\": \"127.0.0.1\",\n \"device_id\": \"<string>\",\n \"suspicious_activity_report\": false,\n \"law_enforcement_agency_report\": false\n },\n \"network\": \"tron\",\n \"payment_method\": \"IMPS\",\n \"sending_amount\": \"51\",\n \"receiving_amount\": \"5100\"\n}"
response = http.request(request)
puts response.read_body{
"status": true,
"message": "Success",
"data": {
"id": "59bf60c3-e9af-40a7-9d5c-2a1aa191e769",
"customer_id": "84737c7d-7b62-4204-80d6-80f6ecb3ceb4",
"bank_id": "cab47575-bbcb-4294-81a3-30774104f3b6",
"asset": "USDT",
"fiat": "INR",
"network": "tron",
"sending_amount": "60.00",
"rate": "85.00",
"receiving_amount": "5100.00",
"fees": {
"zapyd_fee": "0.00",
"client_fee": "0.00",
"client_gst": "0.00",
"tds": "0"
},
"wallet_address": "TXqH4MnDw46f3yyrRwau3JF92Y1ie3pAXf",
"created_at": "2026-09-30T10:00:00Z",
"expiry_time": "2026-09-30T10:10:00Z"
}
}{
"status": false,
"message": "Bad Request",
"data": null,
"err_code": "REQ_FIELD_MISSING",
"errors": {
"amount": [
"receiving_amount is required"
]
}
}{
"status": false,
"message": "Internal Server Error",
"data": null,
"err_code": "SYS_INTERNAL_ERROR",
"errors": "Unexpected error occurred. Please try again later."
}{
"status": false,
"message": "Service unavailable",
"data": null,
"err_code": "SYS_SERVICE_UNAVAILABLE",
"errors": "Unexpected error occurred. Please try again later."
}Create Quotation
Provide exactly one of
sending_amount (crypto amount to send) or receiving_amount (fixed fiat amount the beneficiary should receive) — not both. For remittance payouts, use the dedicated Remittance Quotation endpoint instead.Error Codes and Messages
| API Status Code | Response | Reason |
|---|---|---|
| 400 | Customer is unverified | Customer is added but KYC is unverified |
| 400 | Customer is unverified | Customer does not belong to Organization |
| 400 | Bank account is unverified | Bank account is not added |
| 400 | Bank account is unverified | Bank account is added but under processing |
| 400 | Bank account is unverified | Name mismatch between PAN and Bank account |
| 400 | Bank account is unverified | Bank account is linked to some other customer |
| 400 | Entered amount is less than minimum transaction amount | Entered amount must be greater than INR 2500 |
| 400 | Entered amount exceeds maximum transaction amount | Entered amount must be less than: • INR 500,000 for IMPS |
| 400 | AML SCREENING FAILED | Customer appears in sanction lists and the Politically Exposed Persons (PEP) database and/or has material adverse media |
| 400 | EDD required | Suspicious activity or Red Flag Indicator is triggered |
| 400 | EDD required | Transaction milestone since last EDD is reached^ |
| 400 | EDD required | Annual EDD is due or overdue |
| 400 | Daily offramp limit exhausted | Daily offramp limit exhausted |
| 500 | Internal Server Error | Internal Server Error |
| 503 | Service unavailable | Unexpected Error Occurred |
Authorizations
API Key for authentication
Current timestamp in seconds since epoch
HMAC SHA256 signature of the request encoded in Base64
Body
application/json
The cryptocurrency asset code
Example:
"usdt"
The fiat currency code
Example:
"inr"
Customer's unique identifier
Example:
"def8b740-99f9-4cba-bc9e-99de57e927b4"
Customer's Bank's unique identifier that receives the payout
Example:
"4e6f1b20-a73c-11ec-b909-0242ac120002"
Required. Send every key listed in required_risk_parameters for the fiat in Fetch Configuration. Send {} if that list is empty.
Hide child attributes
Hide child attributes
End user's IP address (IPv4 or IPv6).
Example:
"127.0.0.1"
End user's device identifier.
true if you have filed a suspicious activity report on this user.
Example:
false
true if a law enforcement agency has reported this user.
Example:
false
Blockchain network of the asset, for example tron or polygon.
Example:
"tron"
Payout payment method, valid for the fiat (see Fetch Configuration).
Example:
"IMPS"
Crypto amount to send. Send exactly one of sending_amount or receiving_amount.
Example:
"51"
Fiat amount the beneficiary should receive. Send exactly one of sending_amount or receiving_amount.
Example:
"5100"
Response
Quotation created successfully
Example:
true
Example:
"Success"
Hide child attributes
Hide child attributes
Quotation ID
Example:
"59bf60c3-e9af-40a7-9d5c-2a1aa191e769"
Customer ID
Example:
"84737c7d-7b62-4204-80d6-80f6ecb3ceb4"
Bank account ID
Example:
"cab47575-bbcb-4294-81a3-30774104f3b6"
Crypto asset
Example:
"USDT"
Fiat currency
Example:
"INR"
Network
Example:
"tron"
Crypto amount to send
Example:
"60.00"
Fee-inclusive rate
Example:
"85.00"
Fiat amount the beneficiary receives
Example:
"5100.00"
Fee breakdown
Example:
{ "zapyd_fee": "0.00", "client_fee": "0.00", "client_gst": "0.00", "tds": "0" }
Deposit address: send the crypto here
Example:
"TXqH4MnDw46f3yyrRwau3JF92Y1ie3pAXf"
Example:
"2026-09-30T10:00:00Z"
Quotation expiry
Example:
"2026-09-30T10:10:00Z"