> ## Documentation Index
> Fetch the complete documentation index at: https://guides.saber.money/llms.txt
> Use this file to discover all available pages before exploring further.

# Fetching Payment Beneficiary

> Fetch beneficiary details (bank, UPI, account name, payment code) via the Saber onramp buy beneficiary endpoint per payment method.

When initiating an onramp transaction, fetch beneficiary details for the chosen payment method — not all methods require them (e.g. UPI Intent methods don't).

### API Endpoint

`GET https://api.saber.money/api/v1/wallet/conversion/fiat/methods/<payment_method>/beneficiary?type=buy&fiat=<fiat>&crypto=<crypto>`

### Supported Payment Methods

* Replace `<payment_method>` with the specific payment method, such as `bank_transfer` or `upi_transfer`.

### Query Parameters

| Parameter | Type   | Required | Description                                                                            |
| --------- | ------ | -------- | -------------------------------------------------------------------------------------- |
| `type`    | String | Yes      | Type of transaction. For onramp transactions, use `buy`.                               |
| `fiat`    | String | No       | The fiat currency being converted (e.g., INR, EUR, GBP). Defaults to `INR` if omitted. |
| `crypto`  | String | No       | Currently unused by the backend and ignored; may be omitted.                           |

***

### Example Request

**Sample request:**

```bash theme={null}
curl --location 'https://api.saber.money/api/v1/wallet/conversion/fiat/methods/upi_transfer/beneficiary?type=buy&fiat=INR&crypto=USDT' \
  --header 'X-Timestamp: {{timestamp}}' \
  --header 'X-Client-Id: •••••••' \
  --header 'X-Request-Id: {{request_id}}' \
  --header 'X-Secret-Key: •••••••'
```

**Sample response:**

```json theme={null}
{
  "success": true,
  "data": {
    "id": "",
    "bank_name": "RPFAS TECHNOLOGIES PRIVATE LIMITED",
    "ifsc_code": "",
    "account_number": "",
    "upi": "paytmqr28100505010114pimg61rdg6@paytm",
    "account_name": "RPFAS TECHNOLOGIES PRIVATE LIMITED",
    "account_type": "",
    "details": null,
    "code": "AG2F1H"
  }
}
```

### Response Details

| Key              | Type   | Description                                                                                                                                                                                                                                                     |
| ---------------- | ------ | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `id`             | String | Identifier for the beneficiary bank-account record. Returned only for virtual-account (VAN) deposit methods; an empty string (`""`) for standard UPI/bank-transfer methods such as `upi_transfer` and `bank_transfer`.                                          |
| `bank_name`      | String | Name of the beneficiary's bank or payment service.                                                                                                                                                                                                              |
| `ifsc_code`      | String | IFSC code for the bank account, if applicable. Returned as an empty string (`""`) for non-bank methods such as `upi_transfer`.                                                                                                                                  |
| `account_number` | String | Bank account number for the beneficiary. Returned as an empty string (`""`) for UPI-based payment methods.                                                                                                                                                      |
| `upi`            | String | UPI ID for the transaction, if applicable.                                                                                                                                                                                                                      |
| `account_name`   | String | Name associated with the beneficiary account.                                                                                                                                                                                                                   |
| `account_type`   | String | Type of the bank account, if applicable. Returned as an empty string (`""`) for methods where it does not apply (e.g. UPI).                                                                                                                                     |
| `details`        | Object | Method-specific metadata returned by the aggregator. Always present (may be `null`). For virtual-account (VAN) deposit methods it contains keys such as `note` and `remarks`.                                                                                   |
| `code`           | String | Unique 6-character UPI payment reference code returned for UPI-based buy/onramp payment methods (e.g. `upi_transfer`). Returned as an empty string for non-UPI methods or non-buy requests; when present, the user must include this code in their UPI payment. |

These details might differ for different payment methods.

## Notes

* Some methods (e.g. UPI Intent) don't require beneficiary details — check before calling this API.
* Response structure varies slightly by payment method and configuration.
* Always fetch fresh beneficiary details per transaction rather than caching them.

**API Reference:** [Fetch Beneficiary Details](https://saber-money.readme.io/reference/fetchbeneficiarydetailsoptional)


## Related topics

- [Fetching Payment Methods](/docs/fetching-payment-methods.md)
- [Get Beneficiary Details (v1)](/api-reference/onramp/get-beneficiary-details-v1.md)
- [Fetching Quote](/onramp/operations/quote.md)
- [API Quickstart](/docs/quickstart-3.md)