Native OTP Assist

The OTP Assist SDK provides a complete authentication flow for cards transactions. It offers to capture OTP in the merchant app without any redirection to bank’s 3Dsecure/ACS page. This means that there's one less point of failure in the checkout process and faster completion rate for transactions. The OTP Assist SDK will auto-read and submit OTP on behalf of the user.


The Native OTP Assist SDK gives you the following key capabilities:

  • Read OTP on merchant app without redirecting to bank page, for eligible bins.

  • If the bin is not eligible, then it will redirect to the bank’s 3d-secure/ACS page.

  • Support for Android native SMS permission, as well as Google Consent API.

Banks Supported

Native OTP flow is supported for most debit and credit cards issued by top banks. The list keeps growing and we recommend connecting with your account manager to have the new flows activated for your account.

Bank Name

Card Scheme

State Bank of India

Visa, Master, Rupay


Visa, Master, Rupay, Diners


Visa, Master

Axis Bank

Visa, Master

Kotak Bank

Visa, Master


Visa, Master

Standard Chartered Bank

Visa, Master

The SDK runs a BIN check before proceeding with the Native OTP experience. You may run BIN check independently if you wish. Reach out to our support team to get started via "".

There are few bins that are not eligible for native OTP flow even there Bank and card scheme are eligible.

Bank downtime will affect the performance of this flow.

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