Direct Transaction Initiation API

This document explains how to initiate a direct transaction, providing all necessary details in a single API call.

Overview

The initiate-direct endpoint under /transaction allows for the direct initiation of a transaction, combining user, bank, and transaction details into one request for streamlined processing.

Initiate Direct Transaction

Description: Initiates a transaction with all required user and bank details provided directly in the request.

Request Body Payload

Property Name	Type	Mandatory	Length/Limit	Description
`user_id`	`string`	Yes	UUID	The unique ID of the user associated with this transaction.
`client_transaction_id`	`string`	Yes	-	A unique identifier for the transaction from the client’s system.
`neokred_transaction_id`	`string`	No	-	An optional transaction ID from Neokred, if applicable.
`account_number`	`string`	Yes	-	The bank account number for the transaction.
`ifsc_code`	`string`	Yes	11 characters	The IFSC code of the bank branch.
`account_holder_name`	`string`	Yes	Max 50	The name of the account holder.
`bank_name`	`string`	Yes	Max 50	The name of the bank.
`amount`	`string`	Yes	-	The transaction amount.
`status`	`string`	Yes	-	The initial status of the transaction (e.g., `PENDING`).
`remark`	`string`	No	Max 50	A remark or description for the transaction.

cURL Command

curl --request POST \
  --url https://api.swiftramp.in/v1/transaction/initiate-direct \
  --header 'authorization: Bearer [ACCESS_TOKEN]' \
  --header 'Content-Type: application/json' \
  --data '{
  "user_id": "87b2b208-a8e6-4185-90ba-67629a95eb48",
  "client_transaction_id": "87b2b208-a8e6-4185-90ba-67629a95eb49",
  "neokred_transaction_id": "87b2b208-a8e6-4185-90ba-67629a95eb50",
  "account_number": "987654321123",
  "ifsc_code": "SBIN0000031",
  "account_holder_name": "Ravinder Joshi",
  "bank_name": "State Bank Of India",
  "amount": "100",
  "status": "PENDING",
  "remark": "remark"
}'

Success Response (201 Created)

{
  "status": true,
  "code": 201,
  "message": "transaction inserted successfully",
  "data": {
    "currency": "INR",
    "user_id": "87b2b208-a8e6-4185-90ba-67629a95eb48",
    "client_transaction_id": "87b2b208-a8e6-4185-90ba-67629a95eb49",
    "neokred_transaction_id": "87b2b208-a8e6-4185-90ba-67629a95eb50",
    "account_number": "987654321123",
    "ifsc_code": "SBIN0000031",
    "account_holder_name": "Ravinder Joshi",
    "bank_name": "State Bank Of India",
    "amount": "100",
    "status": "PENDING",
    "remark": "remark",
    "client_id": "ab937578-6553-4c46-8148-553869e1d88f",
    "id": "019d6179-ac2d-734c-8475-0fe170596249",
    "updated_at": "2026-04-06T06:27:37.134Z",
    "created_at": "2026-04-06T06:27:37.134Z",
    "utr": null,
    "metadata": null
  }
}

Enums and Constants

Transaction Status

Value	Description
`PENDING`	The transaction has been initiated and is awaiting processing.
`PROCESSING`	The transaction is currently being processed.
`SUCCESS`	The transaction has been successfully completed.
`FAILED`	The transaction failed to complete.

💡 Ensure that the ACCESS_TOKEN in the cURL command is a valid JWT token obtained from the authentication endpoint.
💡 The client_transaction_id should be unique for each transaction initiated by your client to prevent duplicate processing.
💡 The status field in the request body sets the initial state of the transaction, typically PENDING.

User