Settlexpay API Documentation

curl -X POST https://api.settlexpay.com/merchant/v4/payout_create \
  -H "Content-Type: application/x-www-form-urlencoded" \
  -d "secret_key=YOUR_SECRET_KEY" \
  -d "user_token=YOUR_USER_TOKEN" \
  -d "amount=1000" \
  -d "bank_account=1234567890" \
  -d "ifsc=SBIN0001234" \
  -d "account_holder=John Doe" \
  -d "bank_name=State Bank of India" \
  -d "payout_id=TXN123456789" \
  -d "remark=Salary Payment"

<?php
$ch = curl_init();

$data = array(
    'secret_key' => 'YOUR_SECRET_KEY',
    'user_token' => 'YOUR_USER_TOKEN',
    'amount' => 1000,
    'bank_account' => '1234567890',
    'ifsc' => 'SBIN0001234',
    'account_holder' => 'John Doe',
    'bank_name' => 'State Bank of India',
    'payout_id' => 'TXN123456789',
    'remark' => 'Salary Payment'
);

curl_setopt_array($ch, array(
    CURLOPT_URL => 'https://api.settlexpay.com/merchant/v4/payout_create',
    CURLOPT_RETURNTRANSFER => true,
    CURLOPT_POST => true,
    CURLOPT_POSTFIELDS => http_build_query($data)
));

$response = curl_exec($ch);
$result = json_decode($response, true);
curl_close($ch);

if ($result['status']) {
    echo "Payout created successfully!";
} else {
    echo "Error: " . $result['message'];
}
?>

{
  "status": true,
  "message": "Payout request created successfully",
  "result": {
    "payout_id": "TXN123456789",
    "order_id": "SXP_1234567890",
    "amount": 1000,
    "status": "PENDING",
    "created_at": "2026-01-10 14:30:00"
  }
}

curl -X POST https://api.settlexpay.com/merchant/v4/payout_status \
  -H "Content-Type: application/x-www-form-urlencoded" \
  -d "user_token=YOUR_USER_TOKEN" \
  -d "payout_id=TXN123456789"

{
  "status": true,
  "message": "Transaction found",
  "result": {
    "payout_id": "TXN123456789",
    "order_id": "SXP_1234567890",
    "amount": 1000,
    "status": "SUCCESS",
    "utr": "UTR1234567890",
    "created_at": "2026-01-10 14:30:00",
    "completed_at": "2026-01-10 14:30:15"
  }
}

{
  "event": "payout.status.updated",
  "payout_id": "TXN123456789",
  "order_id": "SXP_1234567890",
  "status": "SUCCESS",
  "amount": 1000,
  "utr": "UTR1234567890",
  "beneficiary": {
    "name": "John Doe",
    "account": "1234567890",
    "ifsc": "SBIN0001234"
  },
  "timestamp": "2026-01-10T14:30:15Z"
}

<?php
// webhook.php - Settlexpay Webhook Handler
date_default_timezone_set('Asia/Kolkata');

$logFile = __DIR__ . '/webhook_log_' . date('Y-m-d') . '.txt';

if ($_SERVER['REQUEST_METHOD'] !== 'POST') {
    http_response_code(405);
    exit('Method Not Allowed');
}

$rawInput = file_get_contents('php://input');
$webhookData = json_decode($rawInput, true);
$timestamp = date('Y-m-d H:i:s');

if (json_last_error() === JSON_ERROR_NONE) {
    $payoutId = $webhookData['payout_id'] ?? '';
    $status = $webhookData['status'] ?? '';
    $utr = $webhookData['utr'] ?? '';
    
    // Update your database based on status
    switch ($status) {
        case 'SUCCESS':
            // Mark payout as successful in your database
            // updatePayoutStatus($payoutId, 'SUCCESS', $utr);
            break;
        case 'FAILED':
            // Mark payout as failed, refund initiated
            // updatePayoutStatus($payoutId, 'FAILED');
            break;
        case 'PROCESSING':
            // Update status to processing
            break;
    }
    
    $logEntry = "[{$timestamp}] WEBHOOK: {$payoutId} - {$status}\n";
    file_put_contents($logFile, $logEntry, FILE_APPEND);
}

header('Content-Type: application/json');
http_response_code(200);
echo json_encode(['status' => 'ok']);
?>

{
  "status": false,
  "error_code": "BAL_001",
  "message": "Insufficient wallet balance"
}