Authentication using native OTP
Learn how you can authenticate card payments on your own website or app.
In a conventional card payment journey, customers are redirected to the bank’s page to collect the One-Time Password (OTP). With Cashfree’s seamless OTP payments feature, you can enhance the customer experience by collecting the OTP at your own page and submit it to Cashfree using our Authentication APIs. This eliminates the need for redirecting to the bank’s page, reducing payment failures that can happen due to redirection drop-offs or slow internet speeds.
Difference between Bank OTP Payment and Seamless OTP Payment
Implement Seamless OTP Payments
To implement seamless OTP payments, follow these steps:
Call the Order Pay API with the channel object set to post for card payments
If the native OTP flow is enabled for the account, the response will return an action as post and an authentication API URL where you need to submit the OTP
Collect the OTP from your page and submit it to Cashfree using the Submit or Resend OTP API
You can read more about the API here.
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