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Welcome to the Demat Escrow developer docs. Use the secret key API your backend calls with sk_test_ / sk_live_. Create customers, take checkout payments, lock money in a hold, release or refund that hold, and send payouts to a bank.
Create a merchant account in Demat, complete onboarding, and copy your test secret key (sk_test_...). Use test keys until your account is verified and you are ready to go live.

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Quick start

How it works

Full lifecycle: customers, hold, fund, release or refund, then payout.

Authentication

Secret keys, test vs live, and Bearer auth.

Webhooks

Verify signatures and handle escrow, payment, and payout events.

API Reference

Interactive endpoints from the live OpenAPI spec.

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What you can build

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Before you call the API

  1. Read How it works for statuses, who the money belongs to, and which webhook to wait for.
  2. Authenticate with your secret key. See Authentication.
  3. Use Idempotency on POSTs that move money.
  4. Prefer webhooks over polling. See Webhooks and Rate limits.
All requests must be made over HTTPS. For base URLs, response envelopes, and money units, see API basics.