---
title: "Get balance for account"
method: POST
path: "/v1/cards/balance"
tags: ["UPI"]
---

# Get balance for account

`POST /v1/cards/balance`

## Request

- Base URL: `https://sandbox.pismolabs.io/upi-gateway`
- URL: `https://sandbox.pismolabs.io/upi-gateway/v1/cards/balance`
- Auth: HTTP bearer

Balance inquiry

## Headers

- `Authorization` string, required
- `user-agent` string, required

## Request body

- CardsBalanceRequest
  - `account_reference_number` string, required: Account reference number. Pismo creates this automatically when creating a card linked to RuPay on UPI. This number combines 10 BIN digits and the credit account number. If BIN is 6 digits, the remaining 4 digits are set to zero (`0`). If BIN is 8 digits, then the remaining 2 digits are set to zero. This is a [NPCI](https://www.npci.org.in/what-we-do/rupay/product-overview) standard. For example, if the account reference number = `1234560000987654321`, the first six digits are the BIN, appended with 4 zeros and then the credit account number (`987654321``). You can call [List cards](ref:post-list-cards) to get a card's account reference number.
  - `external_transaction_datetime` string, required: Request datetime. ISO 8601 format.
  - `external_transaction_id` string, required: Request ID code

## Response `200`

Response Body

- CardsBalanceResponse
  - `card` CardsCardBalance, required
    - `available_balance` number, required: Available card balance
    - `ledger_balance` number, required: Ledger balance
  - `account_reference_number` string: Account reference number. Pismo creates this automatically when creating a card linked to RuPay on UPI. This number combines 10 BIN digits and the credit account number. If BIN is 6 digits, the remaining 4 digits are set to zero (`0`). If BIN is 8 digits, then the remaining 2 digits are set to zero. This is a [NPCI](https://www.npci.org.in/what-we-do/rupay/product-overview) standard. For example, if the account reference number = `1234560000987654321`, the first six digits are the BIN, appended with 4 zeros and then the credit account number (`987654321``). You can call [List cards](ref:post-list-cards) to get a card's account reference number.
  - `external_transaction_datetime` string: Request datetime. ISO 8601 format.
  - `external_transaction_id` string: Request ID code

## Other responses

- `400`: Bad Request
- `403`: Forbidden
- `404`: Not Found
- `422`: UnprocessableEntity
- `500`: Internal Server Error

---

[API](https://skmtc.dev/pismo/apis/instant-payments-rupay-on-upi.md) - [All operations](https://skmtc.dev/pismo/apis/instant-payments-rupay-on-upi/llms.txt) - [OpenAPI document](https://skmtc.dev/pismo/apis/instant-payments-rupay-on-upi/revisions/892669202dfc?raw)