# 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 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.

## Features

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.

![](https://1924928415-files.gitbook.io/~/files/v0/b/gitbook-legacy-files/o/assets%2F-Lj-v4fCXINPv0sVDofj%2F-Mkky97-5qSeYqUui7nc%2F-Mkkyd42JKQH-xdV-hyh%2FULAP4116.gif?alt=media\&token=b0708352-5370-4be5-9bbd-ca2a0ed8adba)

### 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         |
| 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                |

{% hint style="info" %}
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](mailto:mobile.integration@payu.in)".

There are few bins that are not eligible for native OTP flow even there Bank and card schemes are eligible.
{% endhint %}

{% hint style="info" %}
Bank downtime will affect the performance of this flow.
{% endhint %}

## Sample App

[https://github.com/payu-intrepos/PayUNativeOtpAssist-iOS](https://github.com/payu-intrepos/PayUNativeOtpAssist-iOS)
