curl --request POST \
--url https://api.easycred.in/api/v1/partner/journey/initiate \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--header 'X-Nonce: <x-nonce>' \
--header 'X-Signature: <x-signature>' \
--header 'X-Timestamp: <x-timestamp>' \
--data '
{
"mobile": "9876543210",
"customer": {
"pan": "DJHPG8765E",
"dob": "1990-05-01",
"personalEmail": "jsmith@example.com",
"pinCode": "560001",
"termsAccepted": true,
"firstName": "<string>",
"lastName": "<string>",
"officialEmail": "jsmith@example.com",
"companyName": "<string>",
"monthlyIncome": 123,
"annualIncome": 123,
"addressL1": "<string>",
"addressL2": "<string>",
"city": "<string>",
"state": "<string>",
"endUse": "<string>"
}
}
'import requests
url = "https://api.easycred.in/api/v1/partner/journey/initiate"
payload = {
"mobile": "9876543210",
"customer": {
"pan": "DJHPG8765E",
"dob": "1990-05-01",
"personalEmail": "jsmith@example.com",
"pinCode": "560001",
"termsAccepted": True,
"firstName": "<string>",
"lastName": "<string>",
"officialEmail": "jsmith@example.com",
"companyName": "<string>",
"monthlyIncome": 123,
"annualIncome": 123,
"addressL1": "<string>",
"addressL2": "<string>",
"city": "<string>",
"state": "<string>",
"endUse": "<string>"
}
}
headers = {
"X-Signature": "<x-signature>",
"X-Timestamp": "<x-timestamp>",
"X-Nonce": "<x-nonce>",
"Authorization": "Bearer <token>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {
'X-Signature': '<x-signature>',
'X-Timestamp': '<x-timestamp>',
'X-Nonce': '<x-nonce>',
Authorization: 'Bearer <token>',
'Content-Type': 'application/json'
},
body: JSON.stringify({
mobile: '9876543210',
customer: {
pan: 'DJHPG8765E',
dob: '1990-05-01',
personalEmail: 'jsmith@example.com',
pinCode: '560001',
termsAccepted: true,
firstName: '<string>',
lastName: '<string>',
officialEmail: 'jsmith@example.com',
companyName: '<string>',
monthlyIncome: 123,
annualIncome: 123,
addressL1: '<string>',
addressL2: '<string>',
city: '<string>',
state: '<string>',
endUse: '<string>'
}
})
};
fetch('https://api.easycred.in/api/v1/partner/journey/initiate', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://api.easycred.in/api/v1/partner/journey/initiate",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'mobile' => '9876543210',
'customer' => [
'pan' => 'DJHPG8765E',
'dob' => '1990-05-01',
'personalEmail' => 'jsmith@example.com',
'pinCode' => '560001',
'termsAccepted' => true,
'firstName' => '<string>',
'lastName' => '<string>',
'officialEmail' => 'jsmith@example.com',
'companyName' => '<string>',
'monthlyIncome' => 123,
'annualIncome' => 123,
'addressL1' => '<string>',
'addressL2' => '<string>',
'city' => '<string>',
'state' => '<string>',
'endUse' => '<string>'
]
]),
CURLOPT_HTTPHEADER => [
"Authorization: Bearer <token>",
"Content-Type: application/json",
"X-Nonce: <x-nonce>",
"X-Signature: <x-signature>",
"X-Timestamp: <x-timestamp>"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://api.easycred.in/api/v1/partner/journey/initiate"
payload := strings.NewReader("{\n \"mobile\": \"9876543210\",\n \"customer\": {\n \"pan\": \"DJHPG8765E\",\n \"dob\": \"1990-05-01\",\n \"personalEmail\": \"jsmith@example.com\",\n \"pinCode\": \"560001\",\n \"termsAccepted\": true,\n \"firstName\": \"<string>\",\n \"lastName\": \"<string>\",\n \"officialEmail\": \"jsmith@example.com\",\n \"companyName\": \"<string>\",\n \"monthlyIncome\": 123,\n \"annualIncome\": 123,\n \"addressL1\": \"<string>\",\n \"addressL2\": \"<string>\",\n \"city\": \"<string>\",\n \"state\": \"<string>\",\n \"endUse\": \"<string>\"\n }\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("X-Signature", "<x-signature>")
req.Header.Add("X-Timestamp", "<x-timestamp>")
req.Header.Add("X-Nonce", "<x-nonce>")
req.Header.Add("Authorization", "Bearer <token>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://api.easycred.in/api/v1/partner/journey/initiate")
.header("X-Signature", "<x-signature>")
.header("X-Timestamp", "<x-timestamp>")
.header("X-Nonce", "<x-nonce>")
.header("Authorization", "Bearer <token>")
.header("Content-Type", "application/json")
.body("{\n \"mobile\": \"9876543210\",\n \"customer\": {\n \"pan\": \"DJHPG8765E\",\n \"dob\": \"1990-05-01\",\n \"personalEmail\": \"jsmith@example.com\",\n \"pinCode\": \"560001\",\n \"termsAccepted\": true,\n \"firstName\": \"<string>\",\n \"lastName\": \"<string>\",\n \"officialEmail\": \"jsmith@example.com\",\n \"companyName\": \"<string>\",\n \"monthlyIncome\": 123,\n \"annualIncome\": 123,\n \"addressL1\": \"<string>\",\n \"addressL2\": \"<string>\",\n \"city\": \"<string>\",\n \"state\": \"<string>\",\n \"endUse\": \"<string>\"\n }\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://api.easycred.in/api/v1/partner/journey/initiate")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["X-Signature"] = '<x-signature>'
request["X-Timestamp"] = '<x-timestamp>'
request["X-Nonce"] = '<x-nonce>'
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"mobile\": \"9876543210\",\n \"customer\": {\n \"pan\": \"DJHPG8765E\",\n \"dob\": \"1990-05-01\",\n \"personalEmail\": \"jsmith@example.com\",\n \"pinCode\": \"560001\",\n \"termsAccepted\": true,\n \"firstName\": \"<string>\",\n \"lastName\": \"<string>\",\n \"officialEmail\": \"jsmith@example.com\",\n \"companyName\": \"<string>\",\n \"monthlyIncome\": 123,\n \"annualIncome\": 123,\n \"addressL1\": \"<string>\",\n \"addressL2\": \"<string>\",\n \"city\": \"<string>\",\n \"state\": \"<string>\",\n \"endUse\": \"<string>\"\n }\n}"
response = http.request(request)
puts response.read_body{
"success": true,
"data": {
"journeyId": "<string>",
"nextAction": {
"type": "<string>"
},
"hostedUrl": "<string>",
"journeySession": "<string>"
}
}{
"success": false,
"error": "<string>"
}{
"success": false,
"error": "<string>"
}{
"success": false,
"error": "<string>"
}{
"success": false,
"error": "<string>"
}Initiate Loan Journey
curl --request POST \
--url https://api.easycred.in/api/v1/partner/journey/initiate \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--header 'X-Nonce: <x-nonce>' \
--header 'X-Signature: <x-signature>' \
--header 'X-Timestamp: <x-timestamp>' \
--data '
{
"mobile": "9876543210",
"customer": {
"pan": "DJHPG8765E",
"dob": "1990-05-01",
"personalEmail": "jsmith@example.com",
"pinCode": "560001",
"termsAccepted": true,
"firstName": "<string>",
"lastName": "<string>",
"officialEmail": "jsmith@example.com",
"companyName": "<string>",
"monthlyIncome": 123,
"annualIncome": 123,
"addressL1": "<string>",
"addressL2": "<string>",
"city": "<string>",
"state": "<string>",
"endUse": "<string>"
}
}
'import requests
url = "https://api.easycred.in/api/v1/partner/journey/initiate"
payload = {
"mobile": "9876543210",
"customer": {
"pan": "DJHPG8765E",
"dob": "1990-05-01",
"personalEmail": "jsmith@example.com",
"pinCode": "560001",
"termsAccepted": True,
"firstName": "<string>",
"lastName": "<string>",
"officialEmail": "jsmith@example.com",
"companyName": "<string>",
"monthlyIncome": 123,
"annualIncome": 123,
"addressL1": "<string>",
"addressL2": "<string>",
"city": "<string>",
"state": "<string>",
"endUse": "<string>"
}
}
headers = {
"X-Signature": "<x-signature>",
"X-Timestamp": "<x-timestamp>",
"X-Nonce": "<x-nonce>",
"Authorization": "Bearer <token>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {
'X-Signature': '<x-signature>',
'X-Timestamp': '<x-timestamp>',
'X-Nonce': '<x-nonce>',
Authorization: 'Bearer <token>',
'Content-Type': 'application/json'
},
body: JSON.stringify({
mobile: '9876543210',
customer: {
pan: 'DJHPG8765E',
dob: '1990-05-01',
personalEmail: 'jsmith@example.com',
pinCode: '560001',
termsAccepted: true,
firstName: '<string>',
lastName: '<string>',
officialEmail: 'jsmith@example.com',
companyName: '<string>',
monthlyIncome: 123,
annualIncome: 123,
addressL1: '<string>',
addressL2: '<string>',
city: '<string>',
state: '<string>',
endUse: '<string>'
}
})
};
fetch('https://api.easycred.in/api/v1/partner/journey/initiate', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://api.easycred.in/api/v1/partner/journey/initiate",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'mobile' => '9876543210',
'customer' => [
'pan' => 'DJHPG8765E',
'dob' => '1990-05-01',
'personalEmail' => 'jsmith@example.com',
'pinCode' => '560001',
'termsAccepted' => true,
'firstName' => '<string>',
'lastName' => '<string>',
'officialEmail' => 'jsmith@example.com',
'companyName' => '<string>',
'monthlyIncome' => 123,
'annualIncome' => 123,
'addressL1' => '<string>',
'addressL2' => '<string>',
'city' => '<string>',
'state' => '<string>',
'endUse' => '<string>'
]
]),
CURLOPT_HTTPHEADER => [
"Authorization: Bearer <token>",
"Content-Type: application/json",
"X-Nonce: <x-nonce>",
"X-Signature: <x-signature>",
"X-Timestamp: <x-timestamp>"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://api.easycred.in/api/v1/partner/journey/initiate"
payload := strings.NewReader("{\n \"mobile\": \"9876543210\",\n \"customer\": {\n \"pan\": \"DJHPG8765E\",\n \"dob\": \"1990-05-01\",\n \"personalEmail\": \"jsmith@example.com\",\n \"pinCode\": \"560001\",\n \"termsAccepted\": true,\n \"firstName\": \"<string>\",\n \"lastName\": \"<string>\",\n \"officialEmail\": \"jsmith@example.com\",\n \"companyName\": \"<string>\",\n \"monthlyIncome\": 123,\n \"annualIncome\": 123,\n \"addressL1\": \"<string>\",\n \"addressL2\": \"<string>\",\n \"city\": \"<string>\",\n \"state\": \"<string>\",\n \"endUse\": \"<string>\"\n }\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("X-Signature", "<x-signature>")
req.Header.Add("X-Timestamp", "<x-timestamp>")
req.Header.Add("X-Nonce", "<x-nonce>")
req.Header.Add("Authorization", "Bearer <token>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://api.easycred.in/api/v1/partner/journey/initiate")
.header("X-Signature", "<x-signature>")
.header("X-Timestamp", "<x-timestamp>")
.header("X-Nonce", "<x-nonce>")
.header("Authorization", "Bearer <token>")
.header("Content-Type", "application/json")
.body("{\n \"mobile\": \"9876543210\",\n \"customer\": {\n \"pan\": \"DJHPG8765E\",\n \"dob\": \"1990-05-01\",\n \"personalEmail\": \"jsmith@example.com\",\n \"pinCode\": \"560001\",\n \"termsAccepted\": true,\n \"firstName\": \"<string>\",\n \"lastName\": \"<string>\",\n \"officialEmail\": \"jsmith@example.com\",\n \"companyName\": \"<string>\",\n \"monthlyIncome\": 123,\n \"annualIncome\": 123,\n \"addressL1\": \"<string>\",\n \"addressL2\": \"<string>\",\n \"city\": \"<string>\",\n \"state\": \"<string>\",\n \"endUse\": \"<string>\"\n }\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://api.easycred.in/api/v1/partner/journey/initiate")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["X-Signature"] = '<x-signature>'
request["X-Timestamp"] = '<x-timestamp>'
request["X-Nonce"] = '<x-nonce>'
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"mobile\": \"9876543210\",\n \"customer\": {\n \"pan\": \"DJHPG8765E\",\n \"dob\": \"1990-05-01\",\n \"personalEmail\": \"jsmith@example.com\",\n \"pinCode\": \"560001\",\n \"termsAccepted\": true,\n \"firstName\": \"<string>\",\n \"lastName\": \"<string>\",\n \"officialEmail\": \"jsmith@example.com\",\n \"companyName\": \"<string>\",\n \"monthlyIncome\": 123,\n \"annualIncome\": 123,\n \"addressL1\": \"<string>\",\n \"addressL2\": \"<string>\",\n \"city\": \"<string>\",\n \"state\": \"<string>\",\n \"endUse\": \"<string>\"\n }\n}"
response = http.request(request)
puts response.read_body{
"success": true,
"data": {
"journeyId": "<string>",
"nextAction": {
"type": "<string>"
},
"hostedUrl": "<string>",
"journeySession": "<string>"
}
}{
"success": false,
"error": "<string>"
}{
"success": false,
"error": "<string>"
}{
"success": false,
"error": "<string>"
}{
"success": false,
"error": "<string>"
}Authorizations
API key of the form ec_(live|test). Scopes are listed per operation.
Headers
HMAC-SHA256 signature over method, path, timestamp, nonce and raw body.
Unix epoch seconds. Requests outside the tolerance window are rejected.
Unique per-request nonce. Replays are rejected.
Body
API_HOSTED, API_HEADLESS Catalog code (ONLINE_*) or legacy alias.
ONLINE_PERSONAL, ONLINE_GOLD, PERSONAL_LOAN, GOLD_LOAN ^[6-9]\d{9}$"9876543210"
Applicant details. Provide monthlyIncome OR annualIncome (at least one).
Show child attributes
Show child attributes
Required when productCode is ONLINE_GOLD.
Show child attributes
Show child attributes
Response
Success
API_HOSTED returns a hostedUrl (single-use resume link to hand to the customer). API_HEADLESS returns a journeySession token. Authorize subsequent /action and /{journeyId} calls by passing it in the journey_session cookie OR the X-Journey-Session header — NOT in Authorization, which carries your API key.