Initiate New Beneficiary Addition (Single)

POST /v1/connected_banking/beneficiary/initiate

Initiates beneficiary addition. An OTP is sent to the registered mobile number. Use the Complete API (5.1.2) to confirm with the OTP.

Request body

{
  "sub_merchant_id": "b96673d0-9091-45ed-85dc-a1af045a62d2",
  "bank_account_id": "9748b4ae-457d-57d4-b447-98f9fda8f6a8",
  "vendor_name": "John Doe",
  "bank_account_number": "124514111",
  "ifsc": "KKBK0001122"
}

Field	Type	Required	Description
`sub_merchant_id`	string	yes	Provided by Open
`bank_account_id`	string	yes	Open's UUID for the merchant's debit account
`vendor_name`	string	yes	Beneficiary name
`bank_account_number`	string	yes	Beneficiary account number
`ifsc`	string	yes	Beneficiary IFSC

Success — 201 Created

{
    "status": "success",
    "data": {
        "sub_merchant_id": "019e4ef3-6585-7a97-8312-0367b09805e4",
        "bank_account_id": "d88a2124-fdeb-414d-b836-418ee28e31d3",
        "open_beneficiary_id": "3270abb1-01c7-4d7b-a273-308928389045",
        "bank_beneficiary_id": "",
        "beneficiary_status": "request_initiated"
    },
    "error": null,
    "meta": {
        "timestamp": "2026-07-23T09:46:12.662481203Z"
    }
}

Possible errors: OPN_CB_BN_001, OPN_CB_BN_002, OPN_CB_BN_003, OPN_CB_BN_005, OPN_CB_BN_006, OPN_CB_BN_007