@ekoindia/eps-context-mcp 0.1.24 → 0.1.26

package/data/eps.json

@@ -2,7 +2,7 @@
   "meta": {
     "org": "ekoindia",
     "apiVersion": "v3",
-    "bundleVersion": "4b18a8ba",
+    "bundleVersion": "c109bedc",
     "environments": [
       {
         "id": "sandbox",
@@ -291,8 +291,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "query"
         },
         {
@@ -593,8 +595,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -616,6 +620,7 @@
         {
           "name": "dob",
           "type": "string",
+          "format": "date",
           "required": true,
           "description": "Date of birth in YYYY-MM-DD format.",
           "example": "1990-05-15",
@@ -778,8 +783,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -793,6 +800,7 @@
         {
           "name": "aadhar",
           "type": "string",
+          "format": "aadhaar",
           "required": true,
           "description": "12-digit Aadhaar number of the sender.",
           "example": "234567890123",
@@ -977,8 +985,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -1170,8 +1180,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "query"
         },
         {
@@ -1448,8 +1460,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -1479,6 +1493,7 @@
         {
           "name": "ifsc",
           "type": "string",
+          "format": "ifsc",
           "required": true,
           "description": "IFSC code of the beneficiary's bank branch.",
           "example": "SBIN0007515",
@@ -1676,8 +1691,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -2257,8 +2274,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -2298,6 +2317,7 @@
           "name": "ifsc",
           "label": "Settlement Account IFSC",
           "type": "string",
+          "format": "ifsc",
           "required": true,
           "description": "IFSC of the branch holding the settlement `account`. 11 characters.",
           "example": "SBIN0007515",
@@ -2343,6 +2363,7 @@
           "name": "aadhar",
           "label": "Aadhaar Number",
           "type": "string",
+          "format": "aadhaar",
           "required": true,
           "description": "12-digit Aadhaar number of the sender.",
           "example": "123456789012",
@@ -2379,6 +2400,7 @@
           "name": "latlong",
           "label": "Geolocation",
           "type": "string",
+          "format": "lat-long",
           "required": true,
           "description": "GPS coordinates of the agent for whom AePS Fingpay service is being activated. Format: <latitude,longitude>",
           "example": "28.6139,77.2090",
@@ -2560,8 +2582,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "query"
         }
       ],
@@ -2723,8 +2747,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "query"
         }
       ],
@@ -2897,8 +2923,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -2928,6 +2956,7 @@
         {
           "name": "latlong",
           "type": "string",
+          "format": "lat-long",
           "required": true,
           "description": "Agent's GPS coordinates as `latitude,longitude`. Required for security and fraud prevention.",
           "example": "28.6139,77.2090",
@@ -3089,8 +3118,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -3144,6 +3175,7 @@
         {
           "name": "latlong",
           "type": "string",
+          "format": "lat-long",
           "required": true,
           "description": "Agent's GPS coordinates as `latitude,longitude`. Required for security and fraud prevention.",
           "example": "28.6139,77.2090",
@@ -3299,8 +3331,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -3330,6 +3364,7 @@
         {
           "name": "latlong",
           "type": "string",
+          "format": "lat-long",
           "required": true,
           "description": "Agent's GPS coordinates as `latitude,longitude`. Required for security and fraud prevention.",
           "example": "28.6139,77.2090",
@@ -3510,8 +3545,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -3541,6 +3578,7 @@
         {
           "name": "latlong",
           "type": "string",
+          "format": "lat-long",
           "required": true,
           "description": "GPS coordinates of the agent's location at the time of daily KYC.",
           "example": "28.6139,77.2090",
@@ -3678,6 +3716,196 @@
         }
       ]
     },
+    {
+      "slug": "aeps-fingpay-cash-withdrawal-otp",
+      "productId": "aeps",
+      "productName": "AePS Cashout",
+      "name": "Cash Withdrawal OTP",
+      "method": "POST",
+      "path": "/customer/collection/aeps-fingpay/cash-withdrawal/otp/{customer_id}",
+      "summary": "Generate the transaction OTP required before an AePS cash withdrawal above ₹5,000.",
+      "category": "bc",
+      "relevance": "H",
+      "description": "Fingpay requires a fresh, transaction-scoped OTP for every cash withdrawal above **₹5,000**. Call this before Cash Withdrawal only when `amount` is greater than ₹5,000 — for ₹5,000 or less, skip it and call Cash Withdrawal directly.\n\nOn success the customer receives a 6-digit OTP by SMS on their Aadhaar-linked mobile, and the response returns `data.fp_transaction_id`. Send that id to Cash Withdrawal as `txn_otp_request_id`, and put the SMS OTP in the `otp` attribute of the PidOptions used to capture the customer's fingerprint. They are two different values, and Cash Withdrawal needs both. The id belongs to this one withdrawal attempt: generate a new one for every attempt and never reuse it.\n\nNo biometric capture happens in this call — it takes no `piddata`.",
+      "bestFor": "BC agents and CSPs pre-authorising AePS cash withdrawals above ₹5,000",
+      "docsUrl": "https://eps.eko.in/docs/aeps-fingpay-cash-withdrawal-otp",
+      "headers": [
+        {
+          "name": "developer_key",
+          "in": "header",
+          "type": "string",
+          "required": true,
+          "description": "Static API key issued to your account after KYC."
+        },
+        {
+          "name": "secret-key",
+          "in": "header",
+          "type": "string",
+          "required": true,
+          "description": "Dynamic per-request signature: base64(HMAC-SHA256(timestamp, base64(access_key)))."
+        },
+        {
+          "name": "secret-key-timestamp",
+          "in": "header",
+          "type": "string",
+          "required": true,
+          "description": "Current time in milliseconds since UNIX epoch, used to compute secret-key. Must match server time."
+        },
+        {
+          "name": "content-type",
+          "in": "header",
+          "type": "string",
+          "required": true,
+          "description": "application/json",
+          "example": "application/json"
+        }
+      ],
+      "requestParams": [
+        {
+          "name": "initiator_id",
+          "type": "string",
+          "required": true,
+          "description": "Registered mobile number of the API user (see Platform Credentials).",
+          "example": "9962981729",
+          "in": "body"
+        },
+        {
+          "name": "client_ref_id",
+          "type": "string",
+          "required": false,
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
+          "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
+          "in": "body"
+        },
+        {
+          "name": "user_code",
+          "type": "string",
+          "required": true,
+          "description": "Unique code of your user/agent/retailer the service is run for. Use `Onboard Agent` API to register your users",
+          "example": "10000001",
+          "in": "body"
+        },
+        {
+          "name": "customer_id",
+          "type": "string",
+          "required": true,
+          "description": "Customer's registered mobile number.",
+          "example": "9000000000",
+          "in": "path"
+        },
+        {
+          "name": "bank_code",
+          "type": "string",
+          "required": false,
+          "description": "Short bank code identifying the customer's Aadhaar-linked bank (e.g. `HDFC`, `SBIN`). Obtain from the bank list API. Recommended — send the same value you will use for the withdrawal.",
+          "example": "HDFC",
+          "in": "body"
+        },
+        {
+          "name": "aadhar",
+          "type": "string",
+          "required": true,
+          "description": "RSA-encrypted, Base64-encoded Aadhaar number of the customer — the same value you send to Cash Withdrawal. Encrypt the 12-digit Aadhaar with the Eko RSA public key using PKCS#1 v1.5 padding (Java's default `Cipher.getInstance(\"RSA\")`), then Base64-encode the ciphertext.",
+          "example": "BASE64_ENCRYPTED_AADHAAR",
+          "in": "body"
+        },
+        {
+          "name": "latlong",
+          "type": "string",
+          "format": "lat-long",
+          "required": true,
+          "description": "GPS coordinates of the agent's device in 'latitude,longitude' format.",
+          "example": "28.6139,77.2090",
+          "in": "body"
+        },
+        {
+          "name": "amount",
+          "type": "number",
+          "required": true,
+          "description": "Withdrawal amount in Indian Rupees (integer) — the same amount you will send to Cash Withdrawal. Only call this API when it is above ₹5,000.",
+          "example": 6000,
+          "in": "body"
+        }
+      ],
+      "sampleRequest": {
+        "initiator_id": "9962981729",
+        "client_ref_id": "2026010100123456789",
+        "user_code": "10000001",
+        "bank_code": "HDFC",
+        "aadhar": "BASE64_ENCRYPTED_AADHAAR",
+        "latlong": "28.6139,77.2090",
+        "amount": 6000
+      },
+      "responseFields": [
+        {
+          "name": "status",
+          "type": "number",
+          "description": "Primary success indicator (0 = success).",
+          "example": 0
+        },
+        {
+          "name": "message",
+          "type": "string",
+          "description": "Human-readable response / error message.",
+          "example": "Verification successful"
+        },
+        {
+          "name": "response_status_id",
+          "type": "number",
+          "description": "Granular status id; see the shared error-codes table.",
+          "example": 0
+        },
+        {
+          "name": "response_type_id",
+          "type": "number",
+          "description": "A unique id for every possible response shape (success or error) — useful for client logic branching and analytics.",
+          "example": 1388
+        },
+        {
+          "name": "data",
+          "type": "object",
+          "description": "API-specific response payload.",
+          "children": [
+            {
+              "name": "fp_transaction_id",
+              "type": "string",
+              "description": "OTP reference id for this one withdrawal attempt. Send it to Cash Withdrawal as `txn_otp_request_id`. It is NOT the OTP — the customer receives that by SMS.",
+              "imp": true,
+              "example": "FP2609010001234567"
+            }
+          ]
+        }
+      ],
+      "sampleSuccessResponse": {
+        "response_status_id": 0,
+        "data": {
+          "fp_transaction_id": "FP2609010001234567"
+        },
+        "response_type_id": 1459,
+        "message": "OTP generated successfully. Use the reference ID for your transaction.",
+        "status": 0
+      },
+      "errorScenarios": [
+        {
+          "scenario": "OTP generation failed — generic Fingpay failure. There are no OTP-specific error codes yet; `message` carries the gateway's reason",
+          "statusCode": 200,
+          "example": {
+            "response_status_id": 1,
+            "message": "<failure description from the Fingpay gateway>",
+            "status": 1
+          }
+        }
+      ],
+      "responseTypes": [
+        {
+          "id": 1459,
+          "meaning": "OTP generated and sent to the customer by SMS — send `data.fp_transaction_id` as `txn_otp_request_id` to Cash Withdrawal",
+          "next": "aeps-fingpay-cash-withdrawal"
+        }
+      ]
+    },
     {
       "slug": "aeps-fingpay-cash-withdrawal",
       "productId": "aeps",
@@ -3688,7 +3916,7 @@
       "summary": "Withdraw cash from any Aadhaar-linked bank account using biometric fingerprint authentication — no card or PIN required.",
       "category": "bc",
       "relevance": "H",
-      "description": "Allows a customer to withdraw cash from their bank account at an agent/BC point by providing their Aadhaar number and a live fingerprint scan. The agent's biometric device captures a PID XML blob which is passed verbatim to this API. The customer's Aadhaar is RSA-encrypted before transmission. Requires the agent to have completed AePS Fingpay activation, the one-time eKYC (Send OTP → Verify OTP → Biometric), and the Daily KYC for the current day.\n\nTo capture the `piddata` PID block with an RDService-compliant fingerprint scanner, see the [Aadhaar Biometric Authentication guide](/docs/aadhaar-biometric-rdservice).",
+      "description": "Allows a customer to withdraw cash from their bank account at an agent/BC point by providing their Aadhaar number and a live fingerprint scan. The agent's biometric device captures a PID XML blob which is passed verbatim to this API. The customer's Aadhaar is RSA-encrypted before transmission. Requires the agent to have completed AePS Fingpay activation, the one-time eKYC (Send OTP → Verify OTP → Biometric), and the Daily KYC for the current day.\n\n**Above ₹5,000 a transaction OTP is required.** First call Cash Withdrawal OTP, then send its `fp_transaction_id` here as `txn_otp_request_id`, and put the customer's 6-digit SMS OTP in the `otp` attribute of the PidOptions used for the fingerprint capture. For ₹5,000 or less, no OTP step is needed.\n\nTo capture the `piddata` PID block with an RDService-compliant fingerprint scanner, see the [Aadhaar Biometric Authentication guide](/docs/aadhaar-biometric-rdservice).",
       "bestFor": "BC agents, CSPs, and kirana-store banking points enabling cardless cash withdrawal for rural customers",
       "docsUrl": "https://eps.eko.in/docs/aeps-fingpay-cash-withdrawal",
       "financial": true,
@@ -3736,8 +3964,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -3775,6 +4005,7 @@
         {
           "name": "latlong",
           "type": "string",
+          "format": "lat-long",
           "required": true,
           "description": "GPS coordinates of the transaction origin in 'latitude,longitude' format.",
           "example": "28.6139,77.2090",
@@ -3784,7 +4015,7 @@
           "name": "piddata",
           "type": "string",
           "required": true,
-          "description": "PID data captured from the UIDAI-certified biometric device, as a raw XML string. Must use Data type='X' (XML, not Protobuf). DeviceInfo must include the 'mc' (device certificate) parameter. fType must be 2.",
+          "description": "PID data captured from the UIDAI-certified biometric device, as a raw XML string. Must use Data type='X' (XML, not Protobuf). DeviceInfo must include the 'mc' (device certificate) parameter. fType must be 2. For an `amount` above ₹5,000, set the `otp` attribute of the PidOptions `<Opts>` element to the customer's 6-digit SMS OTP before capture — the OTP itself, not the `fp_transaction_id`.",
           "example": "<?xml version='1.0'?><PidData><Data type='X'>...</Data><DeviceInfo mc='...' /></PidData>",
           "in": "body"
         },
@@ -3792,9 +4023,16 @@
           "name": "amount",
           "type": "number",
           "required": true,
-          "description": "Withdrawal amount in Indian Rupees (integer). Must be greater than 0 for cash withdrawal.",
+          "description": "Withdrawal amount in Indian Rupees (integer). Must be greater than 0 for cash withdrawal. Above ₹5,000, call Cash Withdrawal OTP first and send `txn_otp_request_id`.",
           "example": 1000,
           "in": "body"
+        },
+        {
+          "name": "txn_otp_request_id",
+          "type": "string",
+          "required": false,
+          "description": "Required when `amount` is above ₹5,000: the `fp_transaction_id` returned by Cash Withdrawal OTP for this attempt (e.g. `FP2609010001234567`). Omit for ₹5,000 or less.",
+          "in": "body"
         }
       ],
       "sampleRequest": {
@@ -4009,6 +4247,12 @@
               "type": "string",
               "description": "Human-readable transaction remark from the provider (e.g. 'Request Completed').",
               "example": "Request Completed"
+            },
+            {
+              "name": "fp_transaction_id",
+              "type": "string",
+              "description": "Returned only with `response_type_id` 1459 (OTP required — nothing was withdrawn): the OTP reference to send back as `txn_otp_request_id`.",
+              "example": "FP2609010001234567"
             }
           ]
         }
@@ -4101,6 +4345,19 @@
             "status": 1464
           }
         },
+        {
+          "scenario": "OTP required — `amount` above ₹5,000 sent without `txn_otp_request_id`. NOTHING was withdrawn: an OTP was sent to the customer instead",
+          "statusCode": 200,
+          "example": {
+            "response_status_id": 0,
+            "data": {
+              "fp_transaction_id": "FP2609010001234567"
+            },
+            "response_type_id": 1459,
+            "message": "OTP generated successfully. Use the reference ID for your transaction.",
+            "status": 0
+          }
+        },
         {
           "scenario": "Transaction Pending — awaiting bank confirmation",
           "statusCode": 200,
@@ -4143,12 +4400,16 @@
         },
         {
           "id": 1464,
-          "meaning": "Transaction Fail"
+          "meaning": "Transaction Fail — above ₹5,000 this also covers an expired, invalid or already-used OTP (there is no separate code). Once the failure is final, generate a fresh OTP and re-capture before retrying"
         },
         {
           "id": 1465,
           "meaning": "Transaction Pending — check final status later",
           "next": "transaction-inquiry"
+        },
+        {
+          "id": 1459,
+          "meaning": "OTP required — `amount` is above ₹5,000 but no `txn_otp_request_id` was sent. Nothing was withdrawn; an OTP was sent to the customer. Retry with `data.fp_transaction_id` as `txn_otp_request_id` and the customer's SMS OTP in the PidOptions `otp` attribute — do not generate another OTP"
         }
       ]
     },
@@ -4210,8 +4471,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -4249,6 +4512,7 @@
         {
           "name": "latlong",
           "type": "string",
+          "format": "lat-long",
           "required": true,
           "description": "GPS coordinates of the transaction origin in 'latitude,longitude' format.",
           "example": "28.6139,77.2090",
@@ -4560,8 +4824,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -4599,6 +4865,7 @@
         {
           "name": "latlong",
           "type": "string",
+          "format": "lat-long",
           "required": true,
           "description": "GPS coordinates of the transaction origin in 'latitude,longitude' format.",
           "example": "28.6139,77.2090",
@@ -4924,8 +5191,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -4947,6 +5216,7 @@
         {
           "name": "ifsc",
           "type": "string",
+          "format": "ifsc",
           "required": true,
           "description": "IFSC code of the bank account.",
           "example": "SBIN0000000",
@@ -5112,8 +5382,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "query"
         },
         {
@@ -5290,8 +5562,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -5567,8 +5841,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "query"
         }
       ],
@@ -5748,8 +6024,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "query"
         }
       ],
@@ -5914,8 +6192,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "query"
         },
         {
@@ -6141,8 +6421,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "query"
         },
         {
@@ -6363,8 +6645,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "query"
         }
       ],
@@ -6539,8 +6823,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "query"
         },
         {
@@ -6691,8 +6977,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "query"
         },
         {
@@ -7611,14 +7899,17 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
           "name": "pan_number",
           "label": "PAN Number",
           "type": "string",
+          "format": "pan",
           "required": true,
           "description": "10-character alphanumeric PAN identifier (5 letters, 4 digits, 1 letter).",
           "example": "GGTPB7880Q",
@@ -7782,14 +8073,17 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
           "name": "pan_number",
           "label": "PAN Number",
           "type": "string",
+          "format": "pan",
           "required": true,
           "description": "10-character alphanumeric PAN identifier (5 letters, 4 digits, 1 letter).",
           "example": "ABCDE1234F",
@@ -7807,6 +8101,7 @@
           "name": "dob",
           "label": "Date of Birth",
           "type": "string",
+          "format": "date",
           "required": true,
           "description": "Date of birth in YYYY-MM-DD format.",
           "example": "1994-08-29",
@@ -8023,14 +8318,17 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
           "name": "pan",
           "label": "PAN Number",
           "type": "string",
+          "format": "pan",
           "required": true,
           "description": "10-character alphanumeric PAN identifier (first 5 alphabets, 4 digits, 1 alphabet).",
           "example": "ABCDE1234F",
@@ -8326,8 +8624,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -8491,8 +8791,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "query"
         },
         {
@@ -8742,8 +9044,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -8757,6 +9061,7 @@
         {
           "name": "aadhar",
           "type": "string",
+          "format": "aadhaar",
           "required": true,
           "description": "12-digit Aadhaar number of the sender.",
           "example": "123456789012",
@@ -8913,8 +9218,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -9128,8 +9435,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "query"
         },
         {
@@ -9280,8 +9589,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -9303,6 +9614,7 @@
         {
           "name": "dob",
           "type": "string",
+          "format": "date",
           "required": true,
           "description": "Date of birth of the sender in YYYY-MM-DD format.",
           "example": "1990-05-15",
@@ -9466,8 +9778,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -9784,8 +10098,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -9799,6 +10115,7 @@
         {
           "name": "pan_number",
           "type": "string",
+          "format": "pan",
           "required": false,
           "description": "The PAN number of the sender.",
           "example": "ABCDE1234F",
@@ -10008,8 +10325,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "query"
         },
         {
@@ -10262,8 +10581,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -10317,6 +10638,7 @@
         {
           "name": "ifsc",
           "type": "string",
+          "format": "ifsc",
           "required": true,
           "description": "IFSC code of the recipient's bank branch.",
           "example": "KKBK0000878",
@@ -10477,8 +10799,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -10625,8 +10949,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -10789,8 +11115,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -10868,6 +11196,7 @@
         {
           "name": "latlong",
           "type": "string",
+          "format": "lat-long",
           "required": false,
           "description": "Geographic coordinates of the user's location.",
           "example": "28.63,77.22",
@@ -11129,8 +11458,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "query"
         },
         {
@@ -11281,8 +11612,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -11304,6 +11637,7 @@
         {
           "name": "dob",
           "type": "string",
+          "format": "date",
           "required": true,
           "description": "Date of birth of the sender in YYYY-MM-DD format.",
           "example": "1990-05-15",
@@ -11475,8 +11809,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -11609,8 +11945,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -12228,8 +12566,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -12243,6 +12583,7 @@
         {
           "name": "aadhar",
           "type": "string",
+          "format": "aadhaar",
           "required": true,
           "description": "12-digit Aadhaar number of the sender.",
           "example": "123456789012",
@@ -12371,8 +12712,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -12514,8 +12857,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -12529,6 +12874,7 @@
         {
           "name": "pan_number",
           "type": "string",
+          "format": "pan",
           "required": true,
           "description": "The PAN number of the sender.",
           "example": "ABCDE1234F",
@@ -12708,8 +13054,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -12862,8 +13210,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "query"
         },
         {
@@ -13096,8 +13446,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -13278,8 +13630,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -13425,8 +13779,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -13568,8 +13924,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -13732,8 +14090,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -13819,6 +14179,7 @@
         {
           "name": "latlong",
           "type": "string",
+          "format": "lat-long",
           "required": false,
           "description": "Geographic coordinates of the user's location.",
           "example": "28.63,77.22",
@@ -14066,13 +14427,16 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
           "name": "pan_number",
           "type": "string",
+          "format": "pan",
           "required": true,
           "description": "PAN card number of the agent.",
           "example": "ABCDE1234F",
@@ -14128,6 +14492,7 @@
         {
           "name": "dob",
           "type": "string",
+          "format": "date",
           "required": true,
           "description": "Date of birth of the agent in YYYY-MM-DD format.",
           "example": "1990-05-15",
@@ -14277,8 +14642,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -14401,8 +14768,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -14525,8 +14894,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "query"
         },
         {
@@ -14720,8 +15091,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "query"
         }
       ],
@@ -14877,8 +15250,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "query"
         },
         {
@@ -15023,8 +15398,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "query"
         },
         {
@@ -15528,8 +15905,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "query"
         }
       ],
@@ -15627,8 +16006,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "query"
         },
         {
@@ -15642,6 +16023,7 @@
         {
           "name": "ifsc",
           "type": "string",
+          "format": "ifsc",
           "required": false,
           "description": "IFSC code to narrow the lookup.",
           "example": "IDFB0080202",
@@ -15800,13 +16182,16 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "query"
         },
         {
           "name": "ifsc",
           "type": "string",
+          "format": "ifsc",
           "required": true,
           "description": "IFSC code of the bank branch.",
           "example": "IOBA0002248",
@@ -15955,8 +16340,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -16136,8 +16523,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -16433,8 +16822,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "query"
         },
         {
@@ -16647,8 +17038,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -16656,24 +17049,25 @@
           "type": "number",
           "required": true,
           "description": "Complete bank account number to be verified.",
-          "example": 1234567890,
+          "example": "026291800001191",
           "in": "body"
         },
         {
           "name": "ifsc",
           "label": "IFSC Code",
           "type": "string",
+          "format": "ifsc",
           "required": true,
           "description": "IFSC code of the bank account to be verified (11-character alphanumeric).",
-          "example": "SBIN0001234",
+          "example": "YESB0000262",
           "in": "body"
         }
       ],
       "sampleRequest": {
         "initiator_id": "9962981729",
         "client_ref_id": "2026010100123456789",
-        "bank_account": 1234567890,
-        "ifsc": "SBIN0001234"
+        "bank_account": "026291800001191",
+        "ifsc": "YESB0000262"
       },
       "responseFields": [
         {
@@ -16882,8 +17276,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -16899,6 +17295,7 @@
           "name": "ifsc",
           "label": "IFSC Code",
           "type": "string",
+          "format": "ifsc",
           "required": true,
           "description": "IFSC code of the bank account to be verified (11-character alphanumeric).",
           "example": "SBIN0007515",
@@ -17052,8 +17449,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -17256,8 +17655,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "query"
         },
         {
@@ -17482,8 +17883,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -17902,13 +18305,16 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
           "name": "pan",
           "type": "string",
+          "format": "pan",
           "required": true,
           "description": "10-character alphanumeric PAN of the business or individual (5 letters, 4 digits, 1 letter).",
           "example": "ABCDE1234F",
@@ -18111,8 +18517,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -18143,6 +18551,7 @@
         {
           "name": "latlong",
           "type": "string",
+          "format": "lat-long",
           "required": true,
           "description": "Geo-coordinates of the request origination point (latitude,longitude).",
           "example": "28.6139,77.2090",
@@ -18338,8 +18747,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -18353,6 +18764,7 @@
         {
           "name": "dob",
           "type": "string",
+          "format": "date",
           "required": true,
           "description": "Date of birth of the DL holder in YYYY-MM-DD format. Used to cross-validate the license.",
           "example": "1994-08-05",
@@ -18795,8 +19207,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -19516,8 +19930,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -20120,8 +20536,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -20355,8 +20773,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -20737,8 +21157,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -20752,6 +21174,7 @@
         {
           "name": "dob",
           "type": "string",
+          "format": "date",
           "required": true,
           "description": "Date of birth of the passport holder in YYYY-MM-DD format.",
           "example": "1994-08-29",
@@ -20948,8 +21371,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -21227,8 +21652,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -21439,8 +21866,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -21633,13 +22062,16 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
           "name": "pan_number",
           "type": "string",
+          "format": "pan",
           "required": true,
           "description": "PAN number of the individual or entity to check for ITR compliance (10-character alphanumeric, e.g. ABCDE1234F).",
           "example": "ABCDE1234F",
@@ -21878,8 +22310,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -22084,8 +22518,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -22377,8 +22813,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -22619,8 +23057,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -22842,8 +23282,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -22859,6 +23301,7 @@
           "name": "mobile",
           "label": "Mobile Number",
           "type": "string",
+          "format": "mobile",
           "required": true,
           "description": "Customer's 10-digit primary mobile number to send the OTP to.",
           "example": "9002336768",
@@ -23003,8 +23446,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "body"
         },
         {
@@ -23020,6 +23465,7 @@
           "name": "mobile",
           "label": "Mobile Number",
           "type": "string",
+          "format": "mobile",
           "required": true,
           "description": "The same 10-digit mobile number the OTP was sent to.",
           "example": "9002336768",
@@ -23185,8 +23631,10 @@
           "name": "client_ref_id",
           "type": "string",
           "required": false,
-          "description": "Unique reference ID per API call, generated by your system (max 20 characters).",
+          "description": "Unique reference ID per API call, generated by your system (max 20 characters). The SDKs generate one for every non-GET call when you don't.",
           "example": "2026010100123456789",
+          "format": "client-ref",
+          "maxLength": 20,
           "in": "query"
         },
         {
@@ -23398,7 +23846,7 @@
       "id": "aeps-fingpay-cash-withdrawal",
       "slug": "aeps-fingpay-cash-withdrawal",
       "name": "AePS (Fingpay) — Cash Withdrawal",
-      "summary": "Aadhaar-enabled cash withdrawal: one-time agent activation and eKYC, daily KYC, then the biometric withdrawal.",
+      "summary": "Aadhaar-enabled cash withdrawal: one-time agent activation and eKYC, daily KYC, a transaction OTP for amounts above ₹5,000, then the biometric withdrawal.",
       "productId": "aeps",
       "steps": [
         {
@@ -23426,9 +23874,14 @@
           "purpose": "Daily KYC — biometric-only, repeated once per calendar day before the agent's first transaction.",
           "frequency": "daily"
         },
+        {
+          "specSlug": "aeps-fingpay-cash-withdrawal-otp",
+          "appliesWhen": "amount > ₹5,000",
+          "purpose": "Generate the transaction OTP: the customer receives a 6-digit OTP by SMS on their Aadhaar-linked mobile, and the response returns `fp_transaction_id`. Generate a fresh one for every withdrawal attempt — it is never reusable."
+        },
         {
           "specSlug": "aeps-fingpay-cash-withdrawal",
-          "purpose": "Perform the biometric Aadhaar-enabled cash withdrawal.",
+          "purpose": "Perform the biometric Aadhaar-enabled cash withdrawal. Above ₹5,000, send the `fp_transaction_id` as `txn_otp_request_id` AND put the customer's SMS OTP in the PidOptions `otp` attribute before the fingerprint capture — two different values, both required. A `response_type_id` of 1459 means the OTP step was skipped and nothing was withdrawn. Persist `tid`; on Pending (1465) reconcile via Transaction Inquiry before any retry.",
           "branches": [
             {
               "onStatus": 0,
@@ -23605,6 +24058,27 @@
           "type": "typeof fetch",
           "required": false,
           "description": "Inject a custom fetch implementation (proxies, tests)."
+        },
+        {
+          "name": "retries",
+          "type": "number",
+          "required": false,
+          "units": "default 2",
+          "description": "Extra attempts for a GET whose outcome was indeterminate (timeout, transport failure, HTTP 429/5xx). Non-GET calls are never retried. 0 disables."
+        },
+        {
+          "name": "retryBaseDelayMs",
+          "type": "number",
+          "required": false,
+          "units": "milliseconds, default 200",
+          "description": "Backoff base: attempt n waits a random slice of min(base × 2^(n-1), 2s)."
+        },
+        {
+          "name": "autoStatusCheck",
+          "type": "boolean",
+          "required": false,
+          "units": "default true",
+          "description": "After an indeterminate failure on a money-moving endpoint, look the transaction up by its `client_ref_id` and attach the result to the indeterminate error."
         }
       ],
       "members": [
@@ -23643,9 +24117,20 @@
           "name": "SdkEndpoint / SdkParam",
           "signature": "interface SdkEndpoint, interface SdkParam",
           "description": "Shape of one endpoint in the embedded surface (slug, method, path, params)."
+        },
+        {
+          "kind": "function",
+          "name": "generateClientRefId",
+          "signature": "generateClientRefId(nowMs: number): string",
+          "description": "The 15-char `client_ref_id` generator `call()` uses for a non-GET call that did not supply one — exported so you can mint refs the same way."
         }
       ],
       "errorTypes": [
+        {
+          "name": "EpsIndeterminateError",
+          "when": "A money-moving (`financial`) non-GET call ended with no confirmed outcome — timeout, transport failure, HTTP 429/5xx. The SDK did not re-send it; it looked the transaction up by its `client_ref_id` and attached the result. Reconcile before retrying.",
+          "fields": "`slug`, `clientRefId`, `status` (or null), `statusCheck` (inquiry envelope or null), `statusCheckError`, `cause`"
+        },
         {
           "name": "EpsHttpError",
           "when": "Any non-2xx response.",
@@ -23720,6 +24205,27 @@
           "required": false,
           "units": "seconds, default 30.0",
           "description": "Whole-request budget passed through to `urlopen`."
+        },
+        {
+          "name": "retries",
+          "type": "int",
+          "required": false,
+          "units": "default 2",
+          "description": "Extra attempts for a GET whose outcome was indeterminate (timeout, transport failure, HTTP 429/5xx). Non-GET calls are never retried. 0 disables."
+        },
+        {
+          "name": "retry_base_delay",
+          "type": "float",
+          "required": false,
+          "units": "seconds, default 0.2",
+          "description": "Backoff base: attempt n waits a random slice of min(base × 2^(n-1), 2s)."
+        },
+        {
+          "name": "auto_status_check",
+          "type": "bool",
+          "required": false,
+          "units": "default true",
+          "description": "After an indeterminate failure on a money-moving endpoint, look the transaction up by its `client_ref_id` and attach the result to the indeterminate error."
         }
       ],
       "members": [
@@ -23764,9 +24270,20 @@
           "name": "Target",
           "signature": "@dataclass Target(method, url, body, headers, multipart)",
           "description": "What `resolve_target` returns."
+        },
+        {
+          "kind": "function",
+          "name": "generate_client_ref_id",
+          "signature": "generate_client_ref_id(now_ms: int) -> str",
+          "description": "The 15-char `client_ref_id` generator `call()` uses for a non-GET call that did not supply one — exported so you can mint refs the same way."
         }
       ],
       "errorTypes": [
+        {
+          "name": "EpsIndeterminateError",
+          "when": "A money-moving (`financial`) non-GET call ended with no confirmed outcome — timeout, transport failure, HTTP 429/5xx. The SDK did not re-send it; it looked the transaction up by its `client_ref_id` and attached the result. Reconcile before retrying.",
+          "fields": "`slug`, `client_ref_id`, `status` (or None), `status_check`, `status_check_error`, `__cause__`"
+        },
         {
           "name": "EpsHttpError",
           "when": "Any non-2xx response.",
@@ -23843,6 +24360,27 @@
           "required": false,
           "units": "seconds, default 30.0",
           "description": "Whole-request budget, applied as `CURLOPT_TIMEOUT_MS` so sub-second values are not truncated."
+        },
+        {
+          "name": "retries",
+          "type": "int",
+          "required": false,
+          "units": "default 2",
+          "description": "Extra attempts for a GET whose outcome was indeterminate (timeout, transport failure, HTTP 429/5xx). Non-GET calls are never retried. 0 disables."
+        },
+        {
+          "name": "retryBaseDelay",
+          "type": "float",
+          "required": false,
+          "units": "seconds, default 0.2",
+          "description": "Backoff base: attempt n waits a random slice of min(base × 2^(n-1), 2s)."
+        },
+        {
+          "name": "autoStatusCheck",
+          "type": "bool",
+          "required": false,
+          "units": "default true",
+          "description": "After an indeterminate failure on a money-moving endpoint, look the transaction up by its `client_ref_id` and attach the result to the indeterminate error."
         }
       ],
       "members": [
@@ -23887,9 +24425,24 @@
           "name": "EpsClient::MULTIPART_JSON_FIELD",
           "signature": "const MULTIPART_JSON_FIELD = 'form-data'",
           "description": "Name of the single form field carrying the JSON envelope on file-upload endpoints."
+        },
+        {
+          "kind": "method",
+          "name": "EpsClient::generateClientRefId",
+          "signature": "EpsClient::generateClientRefId(int $nowMs): string",
+          "description": "The 15-char `client_ref_id` generator `call()` uses for a non-GET call that did not supply one — exported so you can mint refs the same way."
         }
       ],
       "errorTypes": [
+        {
+          "name": "Eko\\Eps\\EpsIndeterminateException",
+          "when": "A money-moving (`financial`) non-GET call ended with no confirmed outcome — timeout, transport failure, HTTP 429/5xx. The SDK did not re-send it; it looked the transaction up by its `client_ref_id` and attached the result. Reconcile before retrying.",
+          "fields": "`slug`, `clientRefId`, `status` (or null), `statusCheck`, `statusCheckError`, `getPrevious()`"
+        },
+        {
+          "name": "Eko\\Eps\\EpsTransportException",
+          "when": "The request produced no response at all (DNS, connect, TLS, timeout). Retried on GET; wraps the native error."
+        },
         {
           "name": "Eko\\Eps\\EpsHttpException",
           "when": "Any non-2xx response.",
@@ -23966,6 +24519,27 @@
           "required": false,
           "units": "default: 30s timeout",
           "description": "Control timeouts, proxies or retries by supplying your own client."
+        },
+        {
+          "name": "Retries",
+          "type": "*int (nil → 2)",
+          "required": false,
+          "units": "default 2",
+          "description": "Extra attempts for a GET whose outcome was indeterminate (timeout, transport failure, HTTP 429/5xx). Non-GET calls are never retried. 0 disables."
+        },
+        {
+          "name": "RetryBaseDelay",
+          "type": "time.Duration",
+          "required": false,
+          "units": "default 200ms",
+          "description": "Backoff base: attempt n waits a random slice of min(base × 2^(n-1), 2s)."
+        },
+        {
+          "name": "AutoStatusCheck",
+          "type": "*bool (nil → true)",
+          "required": false,
+          "units": "default true",
+          "description": "After an indeterminate failure on a money-moving endpoint, look the transaction up by its `client_ref_id` and attach the result to the indeterminate error."
         }
       ],
       "members": [
@@ -24010,9 +24584,24 @@
           "name": "eps.MultipartJSONField",
           "signature": "MultipartJSONField = \"form-data\"",
           "description": "Name of the single form field carrying the JSON envelope on file-upload endpoints."
+        },
+        {
+          "kind": "function",
+          "name": "GenerateClientRefID",
+          "signature": "eps.GenerateClientRefID(nowMs int64) string",
+          "description": "The 15-char `client_ref_id` generator `call()` uses for a non-GET call that did not supply one — exported so you can mint refs the same way."
         }
       ],
       "errorTypes": [
+        {
+          "name": "*eps.IndeterminateError",
+          "when": "A money-moving (`financial`) non-GET call ended with no confirmed outcome — timeout, transport failure, HTTP 429/5xx. The SDK did not re-send it; it looked the transaction up by its `client_ref_id` and attached the result. Reconcile before retrying.",
+          "fields": "`Slug`, `ClientRefID`, `Status` (0 for transport), `StatusCheck`, `StatusCheckErr`, `Unwrap()`"
+        },
+        {
+          "name": "*eps.TransportError",
+          "when": "The request produced no response at all (DNS, connect, TLS, timeout). Retried on GET; wraps the native error."
+        },
         {
           "name": "*eps.HTTPError",
           "when": "Any non-2xx response. Match it with `errors.As`.",
@@ -24088,6 +24677,27 @@
           "required": false,
           "units": "default: 30s connect + 30s per request",
           "description": "Control timeouts, proxies or redirects by supplying your own client."
+        },
+        {
+          "name": ".retries(…)",
+          "type": "int",
+          "required": false,
+          "units": "default 2",
+          "description": "Extra attempts for a GET whose outcome was indeterminate (timeout, transport failure, HTTP 429/5xx). Non-GET calls are never retried. 0 disables."
+        },
+        {
+          "name": ".retryBaseDelay(…)",
+          "type": "Duration",
+          "required": false,
+          "units": "default 200ms",
+          "description": "Backoff base: attempt n waits a random slice of min(base × 2^(n-1), 2s)."
+        },
+        {
+          "name": ".autoStatusCheck(…)",
+          "type": "boolean",
+          "required": false,
+          "units": "default true",
+          "description": "After an indeterminate failure on a money-moving endpoint, look the transaction up by its `client_ref_id` and attach the result to the indeterminate error."
         }
       ],
       "members": [
@@ -24132,9 +24742,24 @@
           "name": "EpsClient.MULTIPART_JSON_FIELD",
           "signature": "MULTIPART_JSON_FIELD = \"form-data\"",
           "description": "Name of the single form field carrying the JSON envelope on file-upload endpoints."
+        },
+        {
+          "kind": "method",
+          "name": "EpsClient.generateClientRefId",
+          "signature": "static String generateClientRefId(long nowMs)",
+          "description": "The 15-char `client_ref_id` generator `call()` uses for a non-GET call that did not supply one — exported so you can mint refs the same way."
         }
       ],
       "errorTypes": [
+        {
+          "name": "EpsClient.EpsIndeterminateException",
+          "when": "A money-moving (`financial`) non-GET call ended with no confirmed outcome — timeout, transport failure, HTTP 429/5xx. The SDK did not re-send it; it looked the transaction up by its `client_ref_id` and attached the result. Reconcile before retrying.",
+          "fields": "`slug`, `clientRefId`, `status` (or null), `statusCheck`, `statusCheckError`, `getCause()`"
+        },
+        {
+          "name": "EpsClient.EpsTransportException",
+          "when": "The request produced no response at all (DNS, connect, TLS, timeout). Retried on GET; wraps the native error."
+        },
         {
           "name": "EpsClient.EpsHttpException",
           "when": "Any non-2xx response.",