My EMI Pay
  1. Applications
  • My-EMI Lending API
  • System
    • Health check
      GET
  • Products
    • List published loan products
      GET
  • Auth
    • Request OTP
      POST
    • Resend OTP
      POST
    • Refresh tokens
      POST
    • Verify OTP
      POST
    • Select a family account after OTP
      POST
    • Add a family member on this phone
      POST
    • Logout
      POST
    • List family profiles on this phone
      GET
    • Send email verification link
      POST
    • Email verification status
      GET
    • Confirm email verification (Bearer)
      GET
    • Confirm email verification token (Bearer)
      POST
    • iOS Universal Links association
      GET
    • Android App Links association
      GET
  • Profile
    • Get customer profile
      GET
    • Update customer profile
      POST
  • Application journey
    • HTML origination document pack
    • Start bank statement consent
    • Poll bank statement consent
    • Application journey
    • Start PAN KYC via DigiLocker
    • PAN KYC status
    • Start Aadhaar KYC via DigiLocker
    • Aadhaar KYC status
    • Edit Aadhaar communication address
    • Verify bank account (KYC)
    • Start eSign
    • eSign status
    • Complete PAN KYC (poll DigiLocker)
    • Complete Aadhaar KYC (poll DigiLocker)
    • Start mock e-NACH
    • Pull bureau report
    • Mock e-NACH status
    • Bureau report
    • Loan eligibility
  • Webhooks
    • Resolve or fail bureau claim
    • Resolve or fail KYC claim
    • Resolve or fail eSign claim
    • Resolve or fail income claim
  • Ops
    • Confirm queued payouts
    • Wake steps that are waiting on a clock
    • Retry one failed payout row
  • Other
    • List published originators
    • HTML origination pack for one originator
  • Application
    • Get current application screen
    • Begin verification
    • Verify PAN
    • Acknowledge credit score
    • Accept offer
    • Create loan
    • Request payout
  • Applications
    • Get current application screen
      GET
    • Begin verification
      POST
    • Verify PAN
      POST
    • Acknowledge credit score
      POST
    • Accept offer
      POST
    • Create loan
      POST
    • Request payout
      POST
  1. Applications

Request payout

POST
https://api-dev.myemipay.com/applications/request-payout
Last modified:2026-09-27 17:56:10
Request payout
What the customer sees: they asked for the money. The screen stays "on the way" until it arrives or fails.
Description: the 202 means the request was accepted, not that money moved. Repeating the call while payout is in flight or already arrived returns the same request — it does not pay twice. A failed payout may be asked again.
Usage: after create-loan, when youCanNow includes request_payout.
Details: { loanId, amountPaise, beneficiaryRef, payoutRequestId? }. Amount is integer paise. Captures payoutRequestId. Missing or cancelled e-NACH → 422. Poll GET /applications for payout.status (in_flight / arrived / failed) and payout.servicing after arrival. After money lands, Resend sends one confirmation email to the verified address. No verified email is still success — nothing is sent. The same drain hands the loan to servicing (mock ack if LMS env is unset).
Next: POST /ops/dispatch-due (internal) so handlers actually run. Keep polling the screen until payout.status is arrived (or failed + try again).
Auth: Authorization: Bearer {{accessToken}}
Errors: 400 loanId, amountPaise, beneficiaryRef are required · 401 unauthorized | session_expired · 409 Revision conflict

Request

Header Params

Body Params application/jsonRequired

Examples

Responses

🟢202Payout requested
application/json
Bodyapplication/json

🟠401Unauthorized
🟠422Missing fields
🟠409Revision conflict
Request Request Example
Shell
JavaScript
Java
Swift
curl --location 'https://api-dev.myemipay.com/applications/request-payout' \
--header 'Authorization: Bearer ' \
--header 'Content-Type: application/json' \
--data '{
  "loanId": "",
  "amountPaise": 100000,
  "beneficiaryRef": "bene-apidog-1",
  "revision": ""
}'
Response Response Example
202 - Payout requested
{
  "payoutRequest": {
    "id": "pay_1735123456789",
    "status": "requested"
  }
}
Modified at 2026-09-27 17:56:10
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