Getting Started
Send your first payout through Sanvexo in a few steps.
Prerequisites
- Approved merchant account with KYC and bank verification
- API credentials generated (API Key + Secret Key)
- Server IP whitelisted
- Wallet balance loaded (payout amount + fee + GST)
- At least one validated beneficiary
- Merchant agreement accepted
1
Register & Complete KYC
Create merchant account, upload KYC, add bank details. Wait for admin approval.
2
Generate API Credentials
Merchant Dashboard → API Management → set MPIN, verify OTP, whitelist IP, generate keys.
3
Load Wallet
Admin credits wallet or submit load request. Demo merchant has ₹50,000 pre-loaded.
Wallet guide →
4
Add & Validate Beneficiary
Use Beneficiaries API or Merchant Panel → Beneficiaries → penny-drop validate.
5
Send Your First Payout
Use your saved beneficiary's details; a new beneficiary must complete the configured validation flow before a payout is accepted.
curl -X POST 'https://paygo.sanvexo.in/api/v1/payout/create' -H 'X-API-Key: SVX_your_api_key' -H 'X-Secret-Key: SVS_your_secret_key' -H 'Content-Type: application/json' -d '{
"reference_id": "PAY-001",
"amount": 1000,
"payout_mode": "imps",
"beneficiary_name": "Example Recipient",
"beneficiary_account": "012345678901",
"beneficiary_ifsc": "HDFC0001234",
"beneficiary_bank": "HDFC Bank",
"beneficiary_mobile": "9876543210",
"account_type": "saving",
"remark": "Merchant payout",
"beneficiary_id": 1
}'$payload = json_decode('{
"reference_id": "PAY-001",
"amount": 1000,
"payout_mode": "imps",
"beneficiary_name": "Example Recipient",
"beneficiary_account": "012345678901",
"beneficiary_ifsc": "HDFC0001234",
"beneficiary_bank": "HDFC Bank",
"beneficiary_mobile": "9876543210",
"account_type": "saving",
"remark": "Merchant payout",
"beneficiary_id": 1
}', true);
$ch = curl_init('https://paygo.sanvexo.in/api/v1/payout/create');
curl_setopt_array($ch, [CURLOPT_POST => true, CURLOPT_RETURNTRANSFER => true,
CURLOPT_HTTPHEADER => ["Content-Type: application/json", "X-API-Key: SVX_your_api_key", "X-Secret-Key: SVS_your_secret_key"],
CURLOPT_POSTFIELDS => json_encode($payload)]);
$response = curl_exec($ch);const response = await fetch("https://paygo.sanvexo.in/api/v1/payout/create", {
method: "POST", headers: {"Content-Type": "application/json",
"X-API-Key": process.env.PAYGO_API_KEY, "X-Secret-Key": process.env.PAYGO_SECRET_KEY},
body: JSON.stringify({
"reference_id": "PAY-001",
"amount": 1000,
"payout_mode": "imps",
"beneficiary_name": "Example Recipient",
"beneficiary_account": "012345678901",
"beneficiary_ifsc": "HDFC0001234",
"beneficiary_bank": "HDFC Bank",
"beneficiary_mobile": "9876543210",
"account_type": "saving",
"remark": "Merchant payout",
"beneficiary_id": 1
})
});
const result = await response.json();{
"reference_id": "PAY-001",
"amount": 1000,
"payout_mode": "imps",
"beneficiary_name": "Example Recipient",
"beneficiary_account": "012345678901",
"beneficiary_ifsc": "HDFC0001234",
"beneficiary_bank": "HDFC Bank",
"beneficiary_mobile": "9876543210",
"account_type": "saving",
"remark": "Merchant payout",
"beneficiary_id": 1
}
6
Handle Webhook
Configure webhook URL and listen for payout.success or payout.failed events.