Fiat (Rupee) Proxy Loan Order Creation

# Code Examples

Click here to get the code example of TopPaySignUtil

import com.google.gson.Gson;
import java.util.HashMap;
import java.util.Map;

public class LoanOrderCreate {
    //MCH_ID: Merchant ID
    //Please log in to the merchant background, click Personal Center > Personal Information, and obtain the merchant ID in the basic information.
    private static final String MCH_ID = "S820211021094748000001";
    private static final String MCH_PRIVATE_KEY = "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";  // Merchant private key
    private static final String REQ_URL = "https://india-openapi.toppay.asia/cash/newOrder";

    public static void main(String[] args) throws Exception {
        create();
    }

    private static void create() throws Exception {
        // Assemble parameters according to the interface requirements
        Map<String, String> requestParams = new HashMap<>();
        requestParams.put("merchantCode", MCH_ID);
        requestParams.put("orderNum", "T1642593166888");
        requestParams.put("bankCode", "001");
        requestParams.put("bankAccount", "2021071209403321313122");
        requestParams.put("bankUsername", "test-name");
        requestParams.put("orderAmount", "999.56");
        requestParams.put("callback", "https://xxx/yyy");
        requestParams.put("timestamp", "1745377181");

        // Format the parameters, calculate the signature, and add the signature value to the request parameters
        String source = TopPaySignUtil.paramFormat(requestParams);
        requestParams.put("sign", TopPaySignUtil.sign(MCH_PRIVATE_KEY, source));

        // Serialize the parameters into JSON and initiate a POST request
        String postJson = new Gson().toJson(requestParams);
        System.out.println("Post Json Params:" + postJson);
        String responseJson = TopPaySignUtil.doPost(REQ_URL, postJson);
        System.out.println("Response Msg:" + responseJson);
    }
}

using System;
using System.Collections.Generic;
using System.Net.Http;
using System.Threading.Tasks;
using Newtonsoft.Json;

class LoanOrderCreate
{
    private const string MCH_ID = "S820211021094748000001";
    private const string MCH_PRIVATE_KEY = "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";
    private const string REQ_URL = "https://india-openapi.toppay.asia/cash/newOrder";

    public static async Task Main()
    {
        await Create();
    }

    private static async Task Create()
    {
        Dictionary<string, string> requestParams = new Dictionary<string, string>
        {
            { "merchantCode", MCH_ID },
            { "orderNum", "T1642593166888" },
            { "bankCode", "001" },
            { "bankAccount", "2021071209403321313122" },
            { "bankUsername", "test-name" },
            { "orderAmount", "999.56" },
            { "callback", "https://xxx/yyy" },
            { "timestamp", "1745377181" }
        };

        var source = TopPaySignUtil.ParamFormat(requestParams);
        requestParams["sign"] = TopPaySignUtil.Sign(MCH_PRIVATE_KEY, source);

        string postJson = JsonConvert.SerializeObject(requestParams);
        Console.WriteLine($"Post Json Params: {postJson}");
        string responseJson = await TopPaySignUtil.DoPost(REQ_URL, postJson);
        Console.WriteLine($"Response Msg: {responseJson}");
    }
}

# Request Address

Request Method : POST
Request Address : https://india-openapi.toppay.asia/cash/newOrder

# Request Parameters

Note: Two new fields payType and upi have been added. If you do NOT pass payType, it defaults to 1 (bank-card payout), which is fully backward compatible — existing merchants do NOT need to make any changes.

Parameter	Required	Description	Example
merchantCode	Y	Merchant ID, obtained from the merchant platform	S820211021094748000001
orderNum	Y	Merchant order number	10000001
payType	N	Payout type. Defaults to `1` if not provided. `1` = Bank-card payout `2` = UPI payout	1
bankCode	Required when payType=1	Bank code (IFSC, 4 uppercase letters + 7 digits)	SBIN0001234
bankAccount	Required when payType=1	Customer bank card number	1234567890
bankUsername	Required when payType=1	Customer name (NOT required for UPI payout)	mike
upi	Required when payType=2	Beneficiary UPI VPA address	test@ybl
orderAmount	Y	Order amount(Unit: 1 rupees)	10000.00
callback	Y	Callback address	https://123123.com
timestamp	Y	Timestamp (seconds), Get the system real-time time stamp	1745377181
sign	Y	Signature	Yg+ePvTFhiRrARcZKBcRG0l8 ...

Signature notice: payType and upi are also included in the signature. The signing rule is unchanged: keys are sorted alphabetically and empty / missing fields are skipped automatically. Therefore, existing merchants who do not pass these two fields will produce the exact same signature string as before — no migration is required.

# Request Message Example

# 1. Bank-card payout (payType=1, default)

Recommended: pass payType=1 explicitly — clearer, more standardized, and future-proof.

{
  "merchantCode": "S820211021094748000001",
  "orderNum": "186888188666",
  "payType": "1",
  "bankCode": "SBIN0001234",
  "bankAccount": "2021071209403321313122",
  "bankUsername": "test cash name",
  "orderAmount": "10000.00",
  "callback": "your notify url",
  "timestamp": "20220101235959",
  "sign": "Yg+ePvTFhiRrARcZKBcRG0l89rqisPIuZQStYqBIwSMPaqwH77qRXI1J+jElOBpa"
}

Signing-source example (keys sorted alphabetically):

bankAccount=2021071209403321313122&bankCode=SBIN0001234&bankUsername=test cash name&callback=your notify url&merchantCode=S820211021094748000001&orderAmount=10000.00&orderNum=186888188666&payType=1&timestamp=20220101235959

Backward compatibility: Existing requests that do NOT pass payType will be processed as payType=1 on the server side, and payType will be skipped in the signing string (empty values are skipped), producing exactly the same signature as before — no changes required. New integrations or merchants who want a more standardized format are recommended to pass payType=1 explicitly.

# 2. UPI payout (payType=2, new)

⚠ Activation notice: Please contact your dedicated customer service to enable the UPI payout channel before using it. Any UPI payout request will fail until the channel is activated. Once activated, you can place orders using payType=2.

For UPI mode: you MUST pass payType=2 and upi. bankCode / bankAccount / bankUsername are NOT required.

{
  "merchantCode": "S820211021094748000001",
  "orderNum": "186888188667",
  "payType": "2",
  "upi": "test@ybl",
  "orderAmount": "100.00",
  "callback": "your notify url",
  "timestamp": "1745377181",
  "sign": "Yg+ePvTFhiRrARcZKBcRG0l89rqisPIuZQStYqBIwSMPaqwH77qRXI1J+jElOBpa"
}

Signing-source example (keys sorted alphabetically, empty fields skipped):

callback=your notify url&merchantCode=S820211021094748000001&orderAmount=100.00&orderNum=186888188667&payType=2&timestamp=1745377181&upi=test@ybl

# Response Parameters

Outer Unified Return Structure

Parameter	Type	Required	Description	Example
code	int	Y	Interface response code	0 represents success, others represent failure
message	String	Y	Interface response message	Return specific response information
data	Json	Y	Interface response parameters	Refer to the internal structure of the data field below

Data Field Internal Structure

Parameter	Type	Required	Description	Example
platOrderNum	String	Y	Platform order number	PI1453242857400963072

# Response Message Example

{
  "success": true,
  "code": 0,
  "message": "Success",
  "data": {
    "platOrderNum": "PAY1483771634191044608"
  }
}

# 白名单不匹配

If you receive the following error: {"code":999,"message":"白名单不匹配","data":null}, please perform the following simple troubleshooting steps or contact your customer service:

Check if your network IP is listed in the menu: 【Transaction Setting -> Transaction information configuration -> Merchant API withdrawal IP whitelist】.
If your network IP is on the whitelist, please check if you are using a VPN or similar tool, and disable it before trying again.

Withdrawal_ip_ch

Fiat (Rupee) Proxy Pay Order UTR Replenishment Fiat (Rupee) Proxy Loan Order Query

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