---
title: "Developer Documentation"
description: "API reference and integration guides for Eko's KYC, verification, payment and banking REST APIs."
canonical: "https://eps.eko.in/docs"
---


> **Canonical URL:** https://eps.eko.in/docs
> This is a machine-readable Markdown version of the page for AI agents and LLMs. The primary (HTML) version lives at the canonical URL above.

# Developer Documentation

Integrate Eko's KYC, verification, payment and banking APIs. Each endpoint is documented with parameters, responses, code samples and a live request console.

## Getting Started for AI Coding Agents

AI coding agents can get started immediately to discover APIs, auth, and integration recipes without scraping the HTML pages, and without the need for signup.

- Install the EPS context MCP (`eps-context-mcp`) to get structured access to the latest API specs, HMAC request signing, and integration recipes — so you can integrate Eko's APIs end-to-end without guessing from these pages. Run `npx -y @ekoindia/eps-context-mcp@latest`, or see per-agent setup at https://eps.eko.in/ai#install (Markdown: https://eps.eko.in/ai.md). Claude Code & Codex have a native two-step plugin install; other agents wire the MCP directly.
- **Developer docs:** https://eps.eko.in/docs (Markdown: https://eps.eko.in/docs.md)
- **Authentication:** https://eps.eko.in/auth (Markdown: https://eps.eko.in/auth.md)
- [Full Machine bundle](https://eps.eko.in/agent/eps.json): Canonical JSON of every endpoint, topic, and recipe (context heavy)
- [Endpoint index](https://eps.eko.in/agent/index.json): Compact list; fetch /agent/api/<slug>.json for details
- [OpenAPI](https://eps.eko.in/openapi.json): OpenAPI 3.1 document
- [API catalog](https://eps.eko.in/.well-known/api-catalog): RFC 9727 linkset of every machine surface (OpenAPI, bundle, both MCP servers)
- [Context MCP as REST](https://mcp.eko.in/context/openapi.json): the same docs tools over plain HTTP + OpenAPI, for ChatGPT Actions / Gemini function calling
- [AI hub](https://eps.eko.in/ai): All agent artifacts + install instructions

## Getting Started for Developers

- **Get credentials** — Eko's UAT/sandbox is self-serve. Sign up at https://eps.eko.in/console with your mobile number, verify with your PAN, and test our verification APIs live. Once you are satisfied, goto https://eps.eko.in/ai to integrate quickly with our free AI tools (MCP servers, plugins, skills, etc for your coding agent). Credentials issued after organizational KYC.
- **Know your environments** — UAT / Sandbox: `https://staging.eko.in/ekoapi/v3`, Production: `https://api.eko.in/ekoicici/v3`. The full endpoint URL is always `baseUrl + path`.
- **Sign every request** — send these headers on every call: `developer_key`, `secret-key`, `secret-key-timestamp`, `content-type`. The `secret-key` is a per-request HMAC signature — see [How Auth Works](https://eps.eko.in/docs/how-auth-works).
- **Make your first call** — pick an endpoint below (start with PAN Lite), drop in your credentials, and send it.
- **Handle the response** — EPS APIs share a common envelope: `status` (`0` = success), `response_status_id`, `message`, and the payload under `data`. See [Status & Error Codes](https://eps.eko.in/docs/error-codes).

## SDKs

Backend SDKs wrap every endpoint below behind one generic `call(slug, params)`, with HMAC signing, param validation and a shared error contract built in: [All SDK guides](https://eps.eko.in/docs/sdk.md).

- [Node.js SDK](https://eps.eko.in/docs/sdk/nodejs.md) — `@ekoindia/eps-sdk` (Node.js 18 or newer)
- [Python SDK](https://eps.eko.in/docs/sdk/python.md) — `eps-sdk` (Python 3.9 or newer)
- [PHP SDK](https://eps.eko.in/docs/sdk/php.md) — `ekoindia/eps-sdk` (PHP 8.1 or newer)
- [Go SDK](https://eps.eko.in/docs/sdk/go.md) — `github.com/ekoindia/eps-sdk-go` (Go 1.22 or newer)
- [Java SDK](https://eps.eko.in/docs/sdk/java.md) — `com.github.ekoindia:eps-sdk-java` (Java 17 or newer)

## Recipes — multi-step workflows

The references below document one endpoint each. Recipes document how to combine several into a complete flow (onboard a sender, then transfer; activate an agent, then withdraw): [All API Recipes](https://eps.eko.in/recipe.md).

## All API Endpoints

### Banking & Cash APIs

- [Get Sender Profile](https://eps.eko.in/docs/dmt-get-sender) (GET) — Domestic Money Transfer (DMT) › DMT – Fino › Sender
- [Onboard Sender](https://eps.eko.in/docs/dmt-onboard-sender) (POST) — Domestic Money Transfer (DMT) › DMT – Fino › Sender
- [Sender eKYC (Biometric)](https://eps.eko.in/docs/dmt-fino-sender-ekyc) (PUT) — Domestic Money Transfer (DMT) › DMT – Fino › Sender
- [Validate eKYC OTP](https://eps.eko.in/docs/dmt-fino-validate-ekyc-otp) (PUT) — Domestic Money Transfer (DMT) › DMT – Fino › Sender
- [Get Recipients](https://eps.eko.in/docs/dmt-get-recipients) (GET) — Domestic Money Transfer (DMT) › DMT – Fino › Recipients
- [Add Recipient](https://eps.eko.in/docs/dmt-add-recipient) (POST) — Domestic Money Transfer (DMT) › DMT – Fino › Recipients
- [Send Transaction OTP](https://eps.eko.in/docs/dmt-send-otp) (POST) — Domestic Money Transfer (DMT) › DMT – Fino › Transaction
- [Initiate Transfer](https://eps.eko.in/docs/dmt-initiate-transfer) (POST) — Domestic Money Transfer (DMT) › DMT – Fino › Transaction
- [Get Sender Profile](https://eps.eko.in/docs/dmt-levin-get-sender) (GET) — Domestic Money Transfer (DMT) › DMT – Levin › Sender
- [Onboard Sender](https://eps.eko.in/docs/dmt-levin-onboard-sender) (POST) — Domestic Money Transfer (DMT) › DMT – Levin › Sender
- [Validate Aadhaar & Generate OTP](https://eps.eko.in/docs/aadhaar-dmt-levin-validate) (POST) — Domestic Money Transfer (DMT) › DMT – Levin › Sender
- [Validate Sender Aadhaar OTP](https://eps.eko.in/docs/aadhaar-dmt-levin-verify-otp) (POST) — Domestic Money Transfer (DMT) › DMT – Levin › Sender
- [DMT Customer KYC](https://eps.eko.in/docs/dmt-levin-sender-ekyc) (POST) — Domestic Money Transfer (DMT) › DMT – Levin › Sender
- [Get Recipients](https://eps.eko.in/docs/dmt-levin-get-recipients) (GET) — Domestic Money Transfer (DMT) › DMT – Levin › Recipients
- [Add Recipient](https://eps.eko.in/docs/dmt-levin-add-recipient) (POST) — Domestic Money Transfer (DMT) › DMT – Levin › Recipients
- [Send Transaction OTP](https://eps.eko.in/docs/dmt-levin-send-otp) (POST) — Domestic Money Transfer (DMT) › DMT – Levin › Transaction
- [Initiate DMT-Levin Transaction](https://eps.eko.in/docs/dmt-levin-initiate-transfer) (POST) — Domestic Money Transfer (DMT) › DMT – Levin › Transaction
- [Activate AePS Fingpay for Agent](https://eps.eko.in/docs/activate-aeps-fingpay) (PUT) — AePS Cashout › AePS – Fingpay › Activate for Agent
- [Get Shop Types](https://eps.eko.in/docs/aeps-fingpay-shop-types) (GET) — AePS Cashout › AePS – Fingpay › Activate for Agent
- [Get States](https://eps.eko.in/docs/aeps-fingpay-states) (GET) — AePS Cashout › AePS – Fingpay › Activate for Agent
- [Send OTP (eKYC)](https://eps.eko.in/docs/aeps-fingpay-send-otp-kyc) (POST) — AePS Cashout › AePS – Fingpay › Agent eKYC (1-Time)
- [Verify OTP (eKYC)](https://eps.eko.in/docs/aeps-fingpay-verify-otp-kyc) (PUT) — AePS Cashout › AePS – Fingpay › Agent eKYC (1-Time)
- [Biometric eKYC](https://eps.eko.in/docs/aeps-fingpay-biometric-ekyc) (PUT) — AePS Cashout › AePS – Fingpay › Agent eKYC (1-Time)
- [Daily KYC](https://eps.eko.in/docs/aeps-fingpay-daily-auth) (PUT) — AePS Cashout › AePS – Fingpay › Agent eKYC (Daily)
- [Cash Withdrawal OTP](https://eps.eko.in/docs/aeps-fingpay-cash-withdrawal-otp) (POST) — AePS Cashout › AePS – Fingpay
- [AePS Cash Withdrawal](https://eps.eko.in/docs/aeps-fingpay-cash-withdrawal) (POST) — AePS Cashout › AePS – Fingpay
- [AePS Balance Enquiry](https://eps.eko.in/docs/aeps-fingpay-balance-enquiry) (POST) — AePS Cashout › AePS – Fingpay
- [AePS Mini Statement](https://eps.eko.in/docs/aeps-fingpay-mini-statement) (POST) — AePS Cashout › AePS – Fingpay
- [Add Settlement Bank Account](https://eps.eko.in/docs/aeps-add-settlement-account) (POST) — AePS Cashout › AePS – Fingpay › AePS Fund Settlement
- [Get Settlement Bank Accounts](https://eps.eko.in/docs/aeps-get-settlement-accounts) (GET) — AePS Cashout › AePS – Fingpay › AePS Fund Settlement
- [Initiate Settlement](https://eps.eko.in/docs/aeps-initiate-settlement) (POST) — AePS Cashout › AePS – Fingpay › AePS Fund Settlement


### Payments APIs

- [Get BBPS Categories](https://eps.eko.in/docs/bbps-get-categories) (GET) — Bharat Bill Payment System (BBPS) › Bill Payment Lookups
- [Get BBPS Locations](https://eps.eko.in/docs/bbps-get-locations) (GET) — Bharat Bill Payment System (BBPS) › Bill Payment Lookups
- [Get BBPS Operators](https://eps.eko.in/docs/bbps-get-operators) (GET) — Bharat Bill Payment System (BBPS) › Bill Payment Lookups
- [Get Operator Parameters](https://eps.eko.in/docs/bbps-get-operator-parameters) (GET) — Bharat Bill Payment System (BBPS) › Bill Payment Lookups
- [Get District Discome (UPPCL)](https://eps.eko.in/docs/bbps-district-discome) (GET) — Bharat Bill Payment System (BBPS) › Bill Payment Lookups
- [Get Operator Code and Circle](https://eps.eko.in/docs/bbps-operator-code-circle) (GET) — Bharat Bill Payment System (BBPS) › Recharge Lookups
- [Get Recharge Plans](https://eps.eko.in/docs/bbps-recharge-plans) (GET) — Bharat Bill Payment System (BBPS) › Recharge Lookups
- [Fetch BBPS Bill](https://eps.eko.in/docs/bbps-fetch-bill) (GET) — Bharat Bill Payment System (BBPS)
- [Pay BBPS Bill](https://eps.eko.in/docs/bbps-pay-bill) (POST) — Bharat Bill Payment System (BBPS)


### Verification APIs

- [Send OTP](https://eps.eko.in/docs/mobile-otp-send) (POST) — Mobile/OTP Verification
- [Verify OTP](https://eps.eko.in/docs/mobile-otp-verify) (PUT) — Mobile/OTP Verification
- [Validate OTP-Verification-Token](https://eps.eko.in/docs/mobile-otp-validate-token) (GET) — Mobile/OTP Verification
- [Fetch PAN Details](https://eps.eko.in/docs/pan-fetch) (POST) — PAN Verification
- [PAN Lite](https://eps.eko.in/docs/pan-lite) (POST) — PAN Verification
- [PAN Advanced](https://eps.eko.in/docs/pan-advanced) (POST) — PAN Verification
- [Bulk PAN Verification](https://eps.eko.in/docs/pan-bulk-verify) (POST) — PAN Verification
- [Check Bulk PAN Verification Status](https://eps.eko.in/docs/pan-bulk-status) (GET) — PAN Verification
- [Bank Account Verification](https://eps.eko.in/docs/bank-account-verification) (POST) — Bank Account Verification
- [Bank Account Verification (Pennyless)](https://eps.eko.in/docs/bank-account-verification-pennyless) (POST) — Bank Account Verification
- [Bulk Bank Account Verification](https://eps.eko.in/docs/bulk-bank-account-verification) (POST) — Bank Account Verification
- [Check Bulk Bank Account Verification Status](https://eps.eko.in/docs/bulk-bank-account-verification-status) (GET) — Bank Account Verification
- [GST Verification](https://eps.eko.in/docs/verify-gstin) (POST) — GST Verification
- [Fetch GSTINs by PAN](https://eps.eko.in/docs/gstin-with-pan) (POST) — GST Verification
- [Create DigiLocker URL](https://eps.eko.in/docs/digilocker-create-url) (POST) — DigiLocker Integration
- [Get DigiLocker Document](https://eps.eko.in/docs/digilocker-get-document) (POST) — DigiLocker Integration
- [DigiLocker Verification Status](https://eps.eko.in/docs/digilocker-verification-status) (GET) — DigiLocker Integration
- [UPI ID (VPA) Verification](https://eps.eko.in/docs/upi-validate-vpa) (POST)
- [Driving License Verification](https://eps.eko.in/docs/driving-license) (POST)
- [Vehicle & RC Verification](https://eps.eko.in/docs/vehicle-rc) (POST)
- [Employee Verification (Advance)](https://eps.eko.in/docs/advance-employment) (POST)
- [Reverse Geocoding](https://eps.eko.in/docs/reverse-geocoding) (POST)
- [Voter ID Verification](https://eps.eko.in/docs/voter-id) (POST)
- [Passport Application Validation](https://eps.eko.in/docs/passport-application) (POST)
- [CIN Verification](https://eps.eko.in/docs/cin) (POST)
- [IP Verification](https://eps.eko.in/docs/ip) (POST)
- [Name Match API](https://eps.eko.in/docs/name-match) (POST)
- [ITR Compliance Check](https://eps.eko.in/docs/itr-compliance) (POST)
- [DIN Verification](https://eps.eko.in/docs/din-verification) (POST)
- [E-Challan Verification](https://eps.eko.in/docs/e-challan) (POST)
- [Email Verification](https://eps.eko.in/docs/check-email) (POST)
- [FSSAI License Verification](https://eps.eko.in/docs/fetch-fssai) (POST)


### Utility & Helper APIs

- [Transaction Inquiry](https://eps.eko.in/docs/transaction-inquiry) (GET) — Transactions & Refunds
- [Get Refund OTP](https://eps.eko.in/docs/get-refund-otp) (POST) — Transactions & Refunds
- [Initiate Refund](https://eps.eko.in/docs/initiate-refund) (POST) — Transactions & Refunds
- [Onboard User](https://eps.eko.in/docs/onboard-user) (POST) — User & Agent Management
- [Activate Service for User](https://eps.eko.in/docs/activate-user-service) (PUT) — User & Agent Management
- [Deactivate Service for User](https://eps.eko.in/docs/deactivate-user-service) (PUT) — User & Agent Management
- [Get User's Services](https://eps.eko.in/docs/get-user-services) (GET) — User & Agent Management
- [Get All Services](https://eps.eko.in/docs/get-all-services) (GET) — User & Agent Management
- [Get Wallet Balance](https://eps.eko.in/docs/get-wallet-balance) (GET) — User & Agent Management
- [Get List of Banks](https://eps.eko.in/docs/get-banks) (GET) — Bank & IFSC
- [Get Bank Details](https://eps.eko.in/docs/get-bank-details) (GET) — Bank & IFSC
- [Get IFSC Details](https://eps.eko.in/docs/get-ifsc-details) (GET) — Bank & IFSC