Money Transfer API

Services

Supported Banks & Payment Methods

We support all major banks and payment methods in India

SBI
HDFC Bank
ICICI Bank
Axis Bank
Kotak Mahindra Bank
Paytm Payments Bank

Services

Supported Transfer Methods

Multiple ways to transfer money seamlessly

IMPS

Instant transfer 24x7 with immediate confirmation

NEFT

Batch processing system for bulk transfers

RTGS

Real-time gross settlement for high-value transactions

UPI

Instant payments using UPI ID or QR code

Why A1Topup

Why Choose Our Money Transfer API?

Powerful features designed for seamless integration

Instant Processing

IMPS and UPI transfers processed within seconds with 99.9% success rate

Bank-Grade Security

End-to-end encryption and RBI compliant security protocols

Competitive Pricing

Low transaction fees with high commission earnings for partners

Easy Integration

Simple REST API with comprehensive documentation and SDKs

Instant Settlement

Get your commissions settled daily to your bank account

24/7 Support

Dedicated technical support team available round the clock

For developers

API Documentation

Comprehensive guide to integrate our money transfer API

API Endpoint

POST /api/v1/money-transfer

Request Parameters

Parameter	Type	Required	Description
api_key	String	Yes	Your unique API key
beneficiary_name	String	Yes	Beneficiary account holder name
account_number	String	Yes	Beneficiary account number
ifsc_code	String	Yes	IFSC code of beneficiary bank branch
amount	Number	Yes	Transfer amount (min ₹1, max varies by method)
transfer_mode	String	Yes	IMPS, NEFT, RTGS, or UPI
remarks	String	No	Transfer remarks (max 30 characters)

Sample Request

{
  "api_key": "your_api_key_here",
  "beneficiary_name": "Rajesh Kumar",
  "account_number": "123456789012",
  "ifsc_code": "SBIN0000123",
  "amount": 5000,
  "transfer_mode": "IMPS",
  "remarks": "Loan repayment"
}

Success Response

{
  "status": "success",
  "transaction_id": "MTXN123456789",
  "utr_number": "654321987654321",
  "message": "Transfer successful",
  "amount": 5000,
  "transfer_charges": 5.75,
  "commission": 25.00,
  "balance": 12475.25
}

Response Parameters

Parameter	Type	Description
status	String	Request status (success/error)
transaction_id	String	Unique transaction ID for reference
utr_number	String	Unique Transaction Reference number
message	String	Response message
amount	Number	Transfer amount
transfer_charges	Number	Charges deducted for the transfer
commission	Number	Commission earned on this transaction
balance	Number	Your current wallet balance

Error Responses

Error Code	Message	Description
1101	Invalid API key	The provided API key is invalid or disabled
1102	Insufficient balance	Your wallet doesn't have enough balance
1103	Invalid account details	The account number or IFSC is incorrect
1104	Invalid transfer mode	The transfer mode is not recognized
1105	Amount limit exceeded	The amount exceeds allowed limits for this mode
2101	Bank system down	The beneficiary bank system is temporarily unavailable
2102	Transaction pending	Transaction is pending for beneficiary approval

Sample Error Response

{
  "status": "error",
  "error_code": "1102",
  "message": "Insufficient balance",
  "required_amount": 5005.75,
  "current_balance": 4500.50
}

Pricing

Simple & Transparent Pricing

Choose the plan that works best for your business

Basic

~~₹3000~~₹2.5

One-time setup fee

IMPS & UPI Money Transfer
Up to 0.5% commission on transfers
Email & WhatsApp support
Standard API access
₹2.5 lakh monthly limit

Get Started

Professional

~~₹6000~~₹10

One-time setup fee

IMPS, UPI, NEFT Money Transfer
Up to 0.75% commission on transfers
Priority support
Advanced API features
₹10 lakh monthly limit

Get Started

Enterprise

~~₹10000~~₹50

One-time setup fee

All transfer methods (IMPS, UPI, NEFT, RTGS)
Up to 1% commission on transfers
24/7 dedicated support
All features included
₹50 lakh monthly limit

Get Started

Customer reviews

What our customers say

Retailers, distributors and businesses that run on A1Topup every day.

4.9 / 5 from 310 Google reviews

A1Topup transformed our recharge business. The admin panel is intuitive and the support team is incredible. We scaled from 100 to 5,000+ retailers in 6 months.

Rahul KumarMaster Distributor, Delhi

The white-label solution helped us launch our own brand in just 5 days. The API is rock-solid and the commission system is flawless. Highly recommended!

Priya SharmaCEO, RechargeHub

We have tried multiple recharge software platforms, but A1Topup stands out. The Android app, BBPS integration and 24x7 support made all the difference for our business.

Amit MehtaDistributor, Mumbai

The B2B recharge software from A1Topup transformed our business. Managing 500+ retailers is now effortless.

Rajesh KumarCEO, RechargeBazaar

We started on the Starter plan and upgraded to Gold six months later. The upgrade only cost the price difference, exactly as promised.

Vikram SinghOwner, VS Mobile Recharge

Best decision for our fintech startup. The API integration and wallet management are excellent.

Amit PatelFounder, FinRecharge

Get in touch

Ready to Get Started?

Sign up today and get your API keys to start integrating money transfer services.

Call +91 91610 19161 WhatsApp us

Rated 4.9/5 from 310 Google reviews by businesses.

GST registeredGSTIN 36AAWCA0064F1ZN
Since 2016In the recharge business
10,000+ partnersAcross India
Real peoplePhone & WhatsApp support