DMT API · Live in India

DMT API — IMPS and NEFT to any Indian bank, 24x7.

Send money from a retail counter or your own app — remitter OTP, beneficiary verification before the first transfer, monthly limits by KYC, and an instant UTR you can show the customer.

Transfers24×7

IMPS even on holidays and weekends. NEFT for larger tickets. Volume-based rate card shared on request. No commitment to see the numbers.

✓Go live in days — REST API, sandbox, Postman collection, full docs
✓Remitter OTP onboarding — register the sender once, then reuse the same mobile
✓Beneficiary check first — confirm name and account before funds move
✓RBI-aligned, PCI DSS Level 1 infrastructure with 99.9% uptime

Forbes IndiaThe Economic TimesHindustan Times PCI DSS Level 1ISO 27001

FREE SANDBOX

Get API Access

Rate card + sandbox credentials — usually within a few hours.

Business / Company Name *

Please enter your business name

Your Name *

Please enter your name

Mobile Number *

+91

Enter a valid 10-digit mobile number

Work Email *

Enter a valid email address

You are a *

Retailer / Agent

Distributor

Fintech / BC network

Developer / Integrator

Just exploring

Select an option

Monthly volume *

Below ₹10 lakh

₹10 lakh – ₹1 crore

₹1 crore – ₹10 crore

Above ₹10 crore

Not sure yet

Select expected volume

City *

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🔒 Your details stay private. No spam, ever.

✓

Request received

Our team will share the rate card and sandbox credentials with you shortly — usually within a few working hours.

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Who it's for

Built for how money actually moves

Same API whether you run one retail counter or a migrant remittance network.

🏪

Retail counters

Customer walks in with cash; you send it to any bank account and hand back the UTR.

🌐

BC agents

Onboard remitters once with OTP, store beneficiaries, and run IMPS all day.

🧳

Migrant remittance

Workers send home on weekends and holidays — IMPS does not wait for a bank day.

🏦

Fintech apps

Add bank transfer to your wallet or super-app without building a remitter stack.

🤝

Distributor networks

Let downline agents transfer under your brand, with limits and a shared ledger.

📱

White-label super-apps

Ship DMT next to AEPS, recharge and payout under your own brand.

Why teams move to NXT

What usually slows teams down

✗ Transfers with no beneficiary name check

✗ Remitter OTP that expires mid-onboarding

✗ Status that never returns a UTR

✗ Support tickets that go nowhere

With NXT Banking

✓ Beneficiary verification before the first send

✓ Remitter OTP, then reuse the same mobile

✓ Instant UTR and real-time webhooks

✓ Dedicated account manager, 24/7 support

Get API Access →

Developer first

One stack. Remitter to UTR.

Pick a step and see the exact request and response your team will work with.

POST /v1/dmt/remitter

200 OK ~1.2s

⚡

Sandbox in minutes

Test credentials, Postman collection and sample payloads — before you sign anything.

🔔

Webhooks & status

Real-time callbacks for success or failure. Never poll blindly again.

🧾

Instant UTR

Every successful transfer returns a UTR you can print or SMS to the customer.

API reference

Endpoints & transfer modes

A small, predictable API surface — register the remitter, add a beneficiary, send, and get a webhook.

Endpoint	Purpose
POST /v1/dmt/remitter	Register a remitter on mobile number with OTP.
POST /v1/dmt/beneficiary	Add a beneficiary and optionally verify the account name.
POST /v1/dmt/transfer	Send IMPS or NEFT and receive a UTR on success.
GET /v1/dmt/{id}	Check live status — pending, success or failed.
Webhook: dmt.status	Real-time callback the moment a transfer's status changes.

IMPSInstant, 24x7 including holidays and weekends.

NEFTFor larger tickets on the bank clearing window.

Remitter OTPRegister the sender once, reuse the same mobile.

Beneficiary checkConfirm name and account before the first send.

Your exact NXT DMT rate depends on amount slab and volume — request the rate card for precise numbers.

🚀 White-label platform

Or launch your own remittance business

Don't just use the API — sell it. Get a production-ready, fully branded DMT and payout platform with your domain, logo and colours. 48 live modules, multi-tier agent network and a built-in commission engine, ready in days.

🏷️ Your brand, end to endYour domain, logo and colours. Your customers never see us.

💰 Revenue from day oneBuilt-in commission engine, multi-tier agents, automated settlements.

🛡️ 12-layer securityOTP, device fingerprinting, AES-256, DDoS protection, full audit trails.

⏱️ Live in days, not yearsSkip ₹20–50 lakh of custom development and months of build time.

48 live modules580+ APIs in production 1,080 automated tests24/7 expert support

Talk to Us →

Security & compliance

Bank-grade, by default

The same infrastructure standards our banking and enterprise clients demand.

PCI DSS Level 1Payment card certified

ISO 27001:2013Information security

RBI CompliantReserve Bank guidelines

Data in IndiaFull localisation

AES-256Encrypted end to end

IP WhitelistingServer-level access control

Audit LogsTamper-proof trail

2FA & RBACGranular permissions

Questions

Before you integrate

What transfer modes are supported?

IMPS and NEFT to any Indian bank account. IMPS is 24x7 including holidays. Every successful transfer returns a UTR, and webhooks notify you of success or failure in real time.

How long does integration take?

Most teams go live within a few days. You get REST APIs, a sandbox, a Postman collection and full documentation, plus a technical contact during integration.

How does remitter onboarding work?

The sender is registered on mobile number with an OTP. Monthly remitter limits apply based on KYC level. Higher limits are available for verified partners.

Do you verify the beneficiary before transfer?

Yes. You can confirm the account and name match before the first transfer, so funds do not go to the wrong account.

What is the transaction limit?

Limits depend on remitter KYC level and your commercial plan. We share the exact caps on the first call.

Do you provide a sandbox before onboarding?

Yes. You can test remitter OTP, beneficiary add and transfer status in sandbox before completing commercial onboarding.

Is my data safe?

We run PCI DSS Level 1 and ISO 27001 certified infrastructure with AES-256 encryption, IP whitelisting, 2FA, RBAC and tamper-proof audit logs. Data stays in India.

Can I use the DMT API without the white-label platform?

Yes. The DMT API works standalone for your own systems. The white-label platform is an optional add-on if you also want to launch your own branded remittance business on top of it.