TXNru1yaxah9t4etvl6ycewha4fpr6zhs5s

{
 "customerid": "917012969837",
 "ac": {
  "name": "PRIYANK PRAVINCHANDRA SHAH",
  "accRefNumber": "OyQGvlTDk5bbESSMbBdAZTC2n9E=",
  "ifsc": "AXIS0000003",
  "vpa": "7012969837-123@axis",
  "type": "SAVINGS",
  "atmpinFormat": "FORMAT2"
 },
 "device": {
  "app": "com.razorpay.upisampleapp",
  "id": "4C3AB4548D4D4D159E0683C23FF0B422",
  "mobile": "917012969837",
  "os": "iOS",
  "ip": "192.168.1.45",
  "geocode": "20.5590198,74.5046127"
 },
 "otpcred": {
  "data": {
   "code": "NPCI",
   "encryptedBase64String": "2.3-v1.8|Y+X7eo7hrTep779kLuQb8OFXObMrbeYq+/tFXrqqvWVWJ7xAT7/8vA0hE8T1h6uNN+1LCU8zicpp4ZLukC9PXK0vA3NgqDR9yAE8iLmKEVKbNLUOwC6jbqXt/DphPox7Ex4Qrjk/rXcxhqySIfALQzy+TzOAxk2kvNvOXSTGrZ7fuXZtfIvwHsc9LdRQTZdipg7YeDCS6FefN7UyJaRr4d7P532FbwHmqazwO1QUDJYNxTah+qoF+V87eJGXnqU17O2DWSyo8Yr7B8WkqJPTT3xfeXcUcyzuuGrxMG7pcCRYOpmumDCuRogyYN9QRbrUvweT5NnN6bCHubFMtQ2Axg==",
   "ki": "20150822"
  },
  "subType": "SMS",
  "type": "OTP"
 },
 "mpincred": {
  "data": {
   "code": "NPCI",
   "encryptedBase64String": "2.3-v1.8|dXDz9hFzeicKmtPKjB0+VA4VXvyUr6KekciX3luUFVUFYlnnBq2ICxZJP7EZFqossds9l8PAeVUAqgyen0Et8I122eJHYVULCSl6L/KKZST389NuVljdkKJCckT++rWKfF4Pt5jpoDTKUWVHgWIYzwqK6PmfmGQIqBXNdzPh5o9qwA6Qyg6G71D7a0QsTxn6cOMDiEtPvo54II2kE2NwfiyjWzROEFP73enhhpNgw4WCAmgs4BESGHxNb9eCR4U9tY/GC1BS/BUcE29vt1N6KbL9SUQ4/4WS6HarTwO5SNSPST9Wt2LIBZPxOZ7ZXNDLOGCy1N2lYahYUykNBlcuXg==",
   "ki": "20150822"
  },
  "subType": "MPIN",
  "type": "PIN"
 },
 "cardcred": null,
 "atmpincred": {
  "data": {
   "code": "NPCI",
   "encryptedBase64String": "2.3-v1.8|javPiA2znyZchic27np/pZLwdMIpRRXk7bl5UecmsUl6ywPhuMWcwcR1SF//hDIdrzXTBw1H/22DJHh8PCB+tEr1prlCdMaGLv5dNdcU6rwL1soQDfn3XDu42f68bkh4TjDG1zDMY9Ihx5L/IPQWckrpWXnR1sMW3vDe6MTFnxd1ctgkfKdRyf0d68tq7fidgDt884/MTQ0CNGGj/Bx6lOlRobcyZlvtlXLTt4gK4iVo8rHB0Vw/1ro5gzAUhFA3NiolLhD5TSpBpUQ6WPgZsXDGgFhv46y+zIrH1f0v7WUfMEON2OE+bmT3x9B5zeCEWs5mf6ius3rtauL0GQaHDw==",
   "ki": "20150822"
  },
  "subType": "ATMPIN",
  "type": "PIN"
 },
 "txnId": "TXNru1yaxah9t4etvl6ycewha4fpr6zhs5s"
}

Axis response
{
 "code": "XN",
 "result": "INVALID CARD DETAILS.",
 "data": ""
}