Limits and EDD

Every customer has daily payin and payout limits. When a customer needs more, or when risk signals appear, Zapyd asks for Enhanced Due Diligence (EDD): proof of income and of the purpose of the transactions. Base URL: https://sandbox.zapyd.com/ren/api/v1

Check the limit before each order

Call GET /payin/limits/{customer_id} or GET /payout/limits/{customer_id}.

{
  "daily_limit": 20000,
  "available_limit": 12000,
  "payment_method_limits": {
    "per_transaction_limit": { "UPI": 20000, "IMPS": 20000 },
    "total_available_limit": { "UPI": 12000, "IMPS": 12000 }
  },
  "full_limit_reset_timestamp": "2026-10-01T00:00:00Z",
  "is_edd_required": false,
  "is_limit_increase_available": true
}

Field	Meaning
`daily_limit`	The customer’s maximum per day
`available_limit`	What’s left today
`payment_method_limits`	Per-transaction maximum and remaining amount, per payment method
`full_limit_reset_timestamp`	When the full daily limit is available again
`is_edd_required`	The customer must complete EDD before transacting more
`is_limit_increase_available`	The customer can apply for a higher limit through EDD

Decide what to do

When EDD applies

A customer reaches a transaction volume threshold.
Risk checks flag the customer’s activity.
The customer asks for a higher daily limit.

Submit EDD

Upload the documents to storage Zapyd can reach, then send the URLs. At least one bank statement is required. Tax documents (for India, ITR reports) are optional but speed up the review. For password-protected PDFs, send the passwords in the same order as the files, with "" for a file without one.

Payin EDD
Payout EDD

POST /payin/edd/save

{
  "customer_id": "2e104290-07c8-49f1-a5ca-0d27f0078f8a",
  "source_of_income": "SALARY",
  "bank_statement_url": ["https://files.example.com/edd/bank-statement.pdf"],
  "bank_statement_passwords": [""],
  "tax_document_url": ["https://files.example.com/edd/itr-2025.pdf"],
  "tax_document_passwords": ["pass123"],
  "purpose": "Investment",
  "supporting_purpose_doc_url": ["https://files.example.com/edd/portfolio.pdf"],
  "account_operator": "SELF",
  "account_operator_name": "Priya Sharma",
  "p2p_trading_status": false
}

source_of_income: SALARY, BUSINESS_INCOME or OTHERS.
purpose: free text. The widget offers Investment, Trading, Payments, Lending / Repayments, Gifting, Donations / Charity, Remittance and Legal Settlements.
account_operator: SELF, FAMILY or THIRD PARTY. relation_with_account_operator is required when it isn’t SELF.
Optional: bank_statement_passwords, tax_document_url, tax_document_passwords, supporting_purpose_doc_url, and country_specific_documents (extra files keyed by document type).

POST /payout/edd/save

{
  "customer_id": "2e104290-07c8-49f1-a5ca-0d27f0078f8a",
  "source_of_income": "SALARY",
  "bank_statement_url": ["https://files.example.com/edd/bank-statement.pdf"],
  "bank_statement_passwords": [""],
  "tax_document_url": ["https://files.example.com/edd/itr-2025.pdf"],
  "tax_document_passwords": [""],
  "declaration": true
}

declaration records the customer’s consent to the EDD declaration.

Which documents fit each purpose is set by Indian AML rules. See EDD document requirements.

Track the review

Reviews usually take 24 to 48 hours. The EDD starts as PROCESSING. It can move to DOCS_REQ (more documents needed) or IN_REVIEW, and ends as VERIFIED or FAILED. Zapyd sends an EDD webhook on each change.

Status	What to do
`VERIFIED`	Get the limits again and show the new values
`FAILED`	Standard limits stay. Zapyd may not share the reason, because AML rules forbid tipping off. The customer can submit again with better documents

List past submissions with GET /payin/edd/list or GET /payout/edd/list.

Test it in sandbox

Submit EDD, then set the result with Mock Payin EDD Status or Mock Payout EDD Status, using the EDD id and a status: VERIFIED, FAILED, IN_REVIEW, DOCS_REQ or PROCESSING.

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Limits and EDD

Check the limit before each order

Decide what to do

When EDD applies

Submit EDD

Track the review

Test it in sandbox

​Check the limit before each order

​Decide what to do

​When EDD applies

​Submit EDD

​Track the review

​Test it in sandbox

Check the limit before each order

Decide what to do

When EDD applies

Submit EDD

Track the review

Test it in sandbox