Verify Payment

Endpoint

POST /api/merchant/inr/verify

Headers

Header	Required	Description
`x-api-key`	Yes	Your CWMPay API key
`Content-Type`	Yes	Must be `application/json`

Request Body

Field	Type	Required	Description
`orderId`	`string`	Yes	The order ID returned from Create Payment
`currency`	`string`	Yes	Must be `"INR"`
`utr`	`string`	Yes	12-digit UTR number provided by customer

Example Request

curl -X POST https://api.cwmpay.in/api/merchant/inr/verify \
  -H "Content-Type: application/json" \
  -H "x-api-key: YOUR_API_KEY" \
  -d '{
    "orderId": "CWMPay_1784798312415_04575dc339d7",
    "currency": "INR",
    "utr": "123456789012"
  }'

Response

{
  "success": true,
  "message": "Payment verification successful!",
  "data": {
    "amount": 499,
    "utr": "123456789012",
    "status": "success",
    "completedAt": 1784798913288,
    "date": "27/05/2026",
    "time": "11:45:00 AM"
  }
}

Response Fields

Field	Type	Description
`amount`	`integer`	Verified payment amount
`utr`	`string`	UTR number of the transaction
`status`	`string`	`"success"`
`completedAt`	`integer`	Unix timestamp of payment completion
`date`	`string`	Payment date in `DD/MM/YYYY` format (IST)
`time`	`string`	Payment time in `HH:MM:SS AM/PM` format (IST)

Payment Status Flow

pending → processing → success
pending → expired
pending → failed

Status	Description
`pending`	Payment created, awaiting customer payment
`processing`	UTR submitted but not yet confirmed
`success`	Payment verified and confirmed
`failed`	Amount mismatch or UTR already used
`expired`	Payment not completed within 10 minutes

What is UTR?

UTR (Unique Transaction Reference) is a 12-digit number generated for every UPI transaction. After paying, customers can find their UTR in:

Their UPI app transaction history
Bank SMS/notification
Google Pay, PhonePe, Paytm — transaction details screen

CWMPay also automatically detects payments in the background every 30 seconds. You don’t need to call this endpoint if you have webhooks set up — the webhook will fire automatically when payment is detected.

Error Responses

Status	Message	Reason
`404`	Transaction not found	Invalid `orderId`
`401`	Unauthorized	Payment belongs to different merchant
`409`	Payment already verified	Payment already in `success` state
`409`	Payment is expired/failed	Cannot verify expired or failed payment
`409`	UTR already used	Same UTR used for another payment
`422`	Currency mismatch	Wrong currency for this order
`422`	Amount mismatch	Paid amount does not match expected amount
`410`	Payment expired	Payment not completed within 10 minutes

Automatic Detection

CWMPay automatically scans for payments every 30 seconds. If a matching payment is found:

Payment status is updated to "success"
Your webhook URL receives a payment.success event
Manual verification via this endpoint is no longer needed

Always implement webhook handling for production. Do not rely solely on manual UTR verification — customers may forget to submit their UTR.

Get Started

INR Payments

Webhooks

Help

Verify Payment

Endpoint

Headers

Request Body

Example Request

Response

Response Fields

Payment Status Flow

What is UTR?

Error Responses

Automatic Detection

Next Steps

Webhooks Overview

Error Reference

​Endpoint

​Headers

​Request Body

​Example Request

​Response

​Response Fields

​Payment Status Flow

​What is UTR?

​Error Responses

​Automatic Detection

​Next Steps

Webhooks Overview

Error Reference

Endpoint

Headers

Request Body

Example Request

Response

Response Fields

Payment Status Flow

What is UTR?

Error Responses

Automatic Detection

Next Steps