UPI Penny Drop Request

Use this API to to validate bank account details by sending a one rupee UPI transaction to the provided VPA and retrieving the associated bank account information.

POST /upi/penny-drop

UPI Penny Drop Request

cURL

curl --request POST \
  --url https://sandbox.cashfree.com/verification/upi/penny-drop \
  --header 'Content-Type: application/json' \
  --header 'x-api-version: <x-api-version>' \
  --header 'x-client-id: <api-key>' \
  --header 'x-client-secret: <api-key>' \
  --data '
{
  "verification_id": "test_verification_id",
  "vpa": "success@upi",
  "user_consent": {
    "obtained": true,
    "type": "EXPLICIT",
    "timestamp": "2025-10-27T09:24:36Z",
    "purpose": "Testing the entire flow for UPI penny drop verification"
  },
  "name": "John Doe"
}
'

200

Valid

{
  "verification_id": "test_verification_id",
  "reference_id": 12345,
  "status": "VALID",
  "ifsc": "ICIC0006567",
  "vpa": "success@upi",
  "name_at_bank": "JOHN DOE",
  "utr": "123456789012",
  "bank_account": "1234567890",
  "name_match_score": "95",
  "name_match_result": "MATCH",
  "ifsc_details": {
    "bank": "ICICI Bank",
    "neft": "Live",
    "imps": "Live",
    "rtgs": "Live",
    "upi": "Live",
    "address": "GROUND FLOOR, 123, ABC CIRCLE, XYZ MAIN ROAD, BANGALORE - 560098",
    "city": "BANGALORE",
    "state": "KARNATAKA",
    "branch": "BANGALORE - RAJA RAJESHWARI NAGAR BRANCH",
    "category": "SUB_MEMBER",
    "swift_code": "ABCDINBBDCL",
    "micr": 560751026,
    "nbin": 1234
  }
}

Authorizations

x-client-id · string · header · required

Your unique client identifier issued by Cashfree. You can find this in your Merchant Dashboard.

x-client-secret · string · header · required

The secret key associated with your client ID. Use this to authenticate your API requests. You can find this in your Merchant Dashboard.

Headers

x-cf-signature · string

Send the signature if two-factor authentication is selected as Public Key. More details.

x-api-version · string · default: 2024-12-01 · required

API version to be used. Format is in YYYY-MM-DD.

Example:

"2024-12-01"

Body

application/json

Find the request parameters to create a UPI penny drop request.

verification_id · string · required

It is the unique ID you create to identify the verification request. The maximum character limit is 50. Only alphaumeric, period (.), hyphen (-), and underscore ( _ ) are allowed.

Example:

"test_verification_id"

vpa · string · required

It is the valid UPI VPA information. Only alphanumeric, period (.), hyphen (-), underscore ( _ ), and at the rate of (@) are accepted.

Example:

"success@upi"

user_consent · object · required

Consent details for UPI Penny Drop verification.

Show child attributes

name · string

It is the name of the account holder.

Example:

"John Doe"

Response

200

application/json

Success response for UPI Penny Drop verification.

verification_id · string

It is the unique ID you create to identify the verification request. The maximum character limit is 50. Only alphanumeric, period (.), hyphen (-), and underscore ( _ ) are allowed.

Example:

"test_verification_id"

reference_id · integer

It displays the unique ID created by Cashfree Payments for reference purposes. format: int64

Example:

12345

status · string

It displays the status of the UPI penny drop verification.

Example:

"SUCCESS"

ifsc · string | null

It displays the IFSC information associated with the VPA.

Example:

"ICIC0006567"

vpa · string

It is the valid UPI VPA information. Only alphanumeric, period (.), hyphen (-), underscore ( _ ), and at the rate of (@) are accepted.

Example:

"success@upi"

name_at_bank · string | null

It displays the name of the account holder as registered in the bank records.

Example:

"JOHN DOE"

utr · string | null

It displays the Unique Transaction Reference (UTR) number for the penny drop transaction.

Example:

"123456789012"

bank_account · string | null

It displays the bank account number associated with the VPA.

Example:

"1234567890"

name_match_score · string | null

It displays the name match score when name verification is performed.

Example:

"95"

name_match_result · string | null

It displays the result of name matching verification.

Example:

"MATCH"

ifsc_details · object

It displays the details corresponding to the IFSC information.

Show child attributes