Native OTP Assist
Last updated
Last updated
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 the bank’s 3Dsecure/ACS page. This means that there's one less point of failure in the checkout process and a faster completion rate for transactions.
The Native OTP Assist SDK gives you the following key capabilities:
Read OTP on the merchant app without redirecting to the bank page, for eligible bins.
If the bin is not eligible, then it will redirect to the bank’s 3d-secure/ACS page.
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
HDFC Bank
Visa, Master, Rupay, Diners
ICICI Bank
Visa, Master
Axis Bank
Visa, Master
Kotak Bank
Visa, Master
Citibank
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 "mobile.integration@payu.in".
There are few bins that are not eligible for native OTP flow even there Bank and card schemes are eligible.
Bank downtime will affect the performance of this flow.
