Verify Mobile OTP | Cashfree Payments

Mobile 360 Verify OTP

curl --request POST \
  --url https://sandbox.cashfree.com/verification/mobile360/otp/verify \
  --header 'Content-Type: application/json' \
  --header 'x-api-version: <x-api-version>' \
  --header 'x-client-id: <api-key>' \
  --header 'x-client-secret: <api-key>' \
  --data '
{
  "verification_id": "test_verification_id",
  "otp": "123456"
}
'

import requests

url = "https://sandbox.cashfree.com/verification/mobile360/otp/verify"

payload = {
    "verification_id": "test_verification_id",
    "otp": "123456"
}
headers = {
    "x-api-version": "<x-api-version>",
    "x-client-id": "<api-key>",
    "x-client-secret": "<api-key>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {
    'x-api-version': '<x-api-version>',
    'x-client-id': '<api-key>',
    'x-client-secret': '<api-key>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({verification_id: 'test_verification_id', otp: '123456'})
};

fetch('https://sandbox.cashfree.com/verification/mobile360/otp/verify', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://sandbox.cashfree.com/verification/mobile360/otp/verify",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'verification_id' => 'test_verification_id',
    'otp' => '123456'
  ]),
  CURLOPT_HTTPHEADER => [
    "Content-Type: application/json",
    "x-api-version: <x-api-version>",
    "x-client-id: <api-key>",
    "x-client-secret: <api-key>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://sandbox.cashfree.com/verification/mobile360/otp/verify"

	payload := strings.NewReader("{\n  \"verification_id\": \"test_verification_id\",\n  \"otp\": \"123456\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("x-api-version", "<x-api-version>")
	req.Header.Add("x-client-id", "<api-key>")
	req.Header.Add("x-client-secret", "<api-key>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://sandbox.cashfree.com/verification/mobile360/otp/verify")
  .header("x-api-version", "<x-api-version>")
  .header("x-client-id", "<api-key>")
  .header("x-client-secret", "<api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"verification_id\": \"test_verification_id\",\n  \"otp\": \"123456\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://sandbox.cashfree.com/verification/mobile360/otp/verify")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["x-api-version"] = '<x-api-version>'
request["x-client-id"] = '<api-key>'
request["x-client-secret"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"verification_id\": \"test_verification_id\",\n  \"otp\": \"123456\"\n}"

response = http.request(request)
puts response.read_body

{
  "verification_id": "test_verification_id_99",
  "reference_id": 1234567,
  "status": "SUCCESS",
  "personal_details": {
    "full_name": "JOHN SNOW",
    "gender": "MALE",
    "total_income": 1000000,
    "occupation": "Software Engineer",
    "age": 30,
    "dob": "1996-10-02",
    "relatives_details": [
      {
        "relation": "FATHER",
        "relative_name": "Alice Doe"
      }
    ]
  },
  "phone_numbers": [
    {
      "type": "HOME",
      "phone": "9999996655",
      "linked_to": "CREDIT"
    },
    {
      "type": "MOBILE",
      "phone": "9999999999",
      "linked_to": "PAN"
    },
    {
      "type": "MOBILE",
      "phone": "9988775566",
      "linked_to": "UAN"
    }
  ],
  "emails": [
    {
      "email": "johnsnow@example.com",
      "linked_to": "CREDIT"
    },
    {
      "email": "abc@gmail.com",
      "linked_to": "PAN"
    },
    {
      "email": "johndoe@gmail.com",
      "linked_to": "UAN"
    }
  ],
  "passport_details": [
    {
      "passport_number": "PA123456",
      "linked_to": "CREDIT"
    }
  ],
  "ration_card_details": [
    {
      "ration_card_number": "TN1234567890",
      "linked_to": "CREDIT"
    }
  ],
  "voter_details": [
    {
      "voter_id": "UAI4574761",
      "linked_to": "CREDIT"
    }
  ],
  "pan_details": [
    {
      "pan_number": "ABCPV1234D",
      "metadata": {
        "registered_name": "JOHN SNOW",
        "name_pan_card": "JOHN SNOW",
        "type": "Individual or Person",
        "aadhaar_linked": true
      }
    }
  ],
  "driving_license_details": [
    {
      "driving_license_number": "KA0120198900984",
      "linked_to": "CREDIT"
    }
  ],
  "aadhaar_details": [
    {
      "masked_aadhaar_number": "XXXXXXXX8848",
      "linked_to": "PAN"
    }
  ],
  "addresses": [
    {
      "address": "Flat 404, Green Towers, MG Road, Mumbai 400001",
      "type": "Primary",
      "state": "MAHARASTHRA",
      "pincode": "400001",
      "city": "Mumbai",
      "street": " MG Road",
      "country": "India",
      "linked_to": "PAN"
    }
  ],
  "bank_account_details": [
    {
      "bank_account": "20329012345",
      "ifsc": "SBIN0012345",
      "bank_address": "STATE BANK OF INDIA,KATANGA BENGALURU",
      "linked_to": "CREDIT"
    }
  ],
  "employment_details": {
    "uan": [
      {
        "uan": "200123456789",
        "member_id": "XYZAB00123450000005678",
        "establishment_id": "XYZAB0012345000",
        "exit_date": null,
        "joining_date": "2018-05-10",
        "leave_reason": null,
        "establishment_name": "ABC TECHNOLOGIES PVT LTD",
        "uan_linked_aadhaar": true
      }
    ],
    "recent_employment_details": {
      "employee_details": {
        "member_id": "XYZAB00123450000005678",
        "exit_date": null,
        "joining_date": "2018-05-10",
        "uan": "200123456789",
        "epfo": {
          "recent": true,
          "name_unique": true,
          "pf_filings_details": true
        },
        "employed": true,
        "employee_name_match": true,
        "exit_date_marked": false
      },
      "employer_details": {
        "establishment_id": "XYZAB0012345000",
        "establishment_name": "ABC TECHNOLOGIES PVT LTD",
        "setup_date": "2012-03-15",
        "ownership_type": "Private Limited Company",
        "employer_confidence_score": 85,
        "employer_name_match": true,
        "pf_filing_details": [
          {
            "total_amount": 32145678,
            "employees_count": 5678,
            "wage_month": "JAN-25"
          },
          {
            "total_amount": 31456789,
            "employees_count": 5600,
            "wage_month": "DEC-24"
          },
          {
            "total_amount": 30987654,
            "employees_count": 5500,
            "wage_month": "NOV-24"
          }
        ]
      }
    }
  },
  "mobile_number_intelligence": {
    "is_valid_number": true,
    "subscriber_status": "CONNECTED",
    "connection_type": "PREPAID",
    "current_service_provider": "AIRTEL",
    "original_service_provider": "AIRTEL",
    "network_region": "India",
    "is_ported": false
  },
  "credit_score": 805,
  "risk_intelligence": {
    "is_safe": false,
    "risk_level": "LOW",
    "risk_reason": "Inactive SIM",
    "risk_description": "SIM inactive or unused for an extended period",
    "added_on": "2025-06-23T12:42:10Z",
    "last_updated_on": "2025-09-09T17:00:11Z"
  }
}

POST

mobile360

otp

verify

Mobile 360 Verify OTP

curl --request POST \
  --url https://sandbox.cashfree.com/verification/mobile360/otp/verify \
  --header 'Content-Type: application/json' \
  --header 'x-api-version: <x-api-version>' \
  --header 'x-client-id: <api-key>' \
  --header 'x-client-secret: <api-key>' \
  --data '
{
  "verification_id": "test_verification_id",
  "otp": "123456"
}
'

import requests

url = "https://sandbox.cashfree.com/verification/mobile360/otp/verify"

payload = {
    "verification_id": "test_verification_id",
    "otp": "123456"
}
headers = {
    "x-api-version": "<x-api-version>",
    "x-client-id": "<api-key>",
    "x-client-secret": "<api-key>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {
    'x-api-version': '<x-api-version>',
    'x-client-id': '<api-key>',
    'x-client-secret': '<api-key>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({verification_id: 'test_verification_id', otp: '123456'})
};

fetch('https://sandbox.cashfree.com/verification/mobile360/otp/verify', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://sandbox.cashfree.com/verification/mobile360/otp/verify",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'verification_id' => 'test_verification_id',
    'otp' => '123456'
  ]),
  CURLOPT_HTTPHEADER => [
    "Content-Type: application/json",
    "x-api-version: <x-api-version>",
    "x-client-id: <api-key>",
    "x-client-secret: <api-key>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://sandbox.cashfree.com/verification/mobile360/otp/verify"

	payload := strings.NewReader("{\n  \"verification_id\": \"test_verification_id\",\n  \"otp\": \"123456\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("x-api-version", "<x-api-version>")
	req.Header.Add("x-client-id", "<api-key>")
	req.Header.Add("x-client-secret", "<api-key>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://sandbox.cashfree.com/verification/mobile360/otp/verify")
  .header("x-api-version", "<x-api-version>")
  .header("x-client-id", "<api-key>")
  .header("x-client-secret", "<api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"verification_id\": \"test_verification_id\",\n  \"otp\": \"123456\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://sandbox.cashfree.com/verification/mobile360/otp/verify")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["x-api-version"] = '<x-api-version>'
request["x-client-id"] = '<api-key>'
request["x-client-secret"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"verification_id\": \"test_verification_id\",\n  \"otp\": \"123456\"\n}"

response = http.request(request)
puts response.read_body

{
  "verification_id": "test_verification_id_99",
  "reference_id": 1234567,
  "status": "SUCCESS",
  "personal_details": {
    "full_name": "JOHN SNOW",
    "gender": "MALE",
    "total_income": 1000000,
    "occupation": "Software Engineer",
    "age": 30,
    "dob": "1996-10-02",
    "relatives_details": [
      {
        "relation": "FATHER",
        "relative_name": "Alice Doe"
      }
    ]
  },
  "phone_numbers": [
    {
      "type": "HOME",
      "phone": "9999996655",
      "linked_to": "CREDIT"
    },
    {
      "type": "MOBILE",
      "phone": "9999999999",
      "linked_to": "PAN"
    },
    {
      "type": "MOBILE",
      "phone": "9988775566",
      "linked_to": "UAN"
    }
  ],
  "emails": [
    {
      "email": "johnsnow@example.com",
      "linked_to": "CREDIT"
    },
    {
      "email": "abc@gmail.com",
      "linked_to": "PAN"
    },
    {
      "email": "johndoe@gmail.com",
      "linked_to": "UAN"
    }
  ],
  "passport_details": [
    {
      "passport_number": "PA123456",
      "linked_to": "CREDIT"
    }
  ],
  "ration_card_details": [
    {
      "ration_card_number": "TN1234567890",
      "linked_to": "CREDIT"
    }
  ],
  "voter_details": [
    {
      "voter_id": "UAI4574761",
      "linked_to": "CREDIT"
    }
  ],
  "pan_details": [
    {
      "pan_number": "ABCPV1234D",
      "metadata": {
        "registered_name": "JOHN SNOW",
        "name_pan_card": "JOHN SNOW",
        "type": "Individual or Person",
        "aadhaar_linked": true
      }
    }
  ],
  "driving_license_details": [
    {
      "driving_license_number": "KA0120198900984",
      "linked_to": "CREDIT"
    }
  ],
  "aadhaar_details": [
    {
      "masked_aadhaar_number": "XXXXXXXX8848",
      "linked_to": "PAN"
    }
  ],
  "addresses": [
    {
      "address": "Flat 404, Green Towers, MG Road, Mumbai 400001",
      "type": "Primary",
      "state": "MAHARASTHRA",
      "pincode": "400001",
      "city": "Mumbai",
      "street": " MG Road",
      "country": "India",
      "linked_to": "PAN"
    }
  ],
  "bank_account_details": [
    {
      "bank_account": "20329012345",
      "ifsc": "SBIN0012345",
      "bank_address": "STATE BANK OF INDIA,KATANGA BENGALURU",
      "linked_to": "CREDIT"
    }
  ],
  "employment_details": {
    "uan": [
      {
        "uan": "200123456789",
        "member_id": "XYZAB00123450000005678",
        "establishment_id": "XYZAB0012345000",
        "exit_date": null,
        "joining_date": "2018-05-10",
        "leave_reason": null,
        "establishment_name": "ABC TECHNOLOGIES PVT LTD",
        "uan_linked_aadhaar": true
      }
    ],
    "recent_employment_details": {
      "employee_details": {
        "member_id": "XYZAB00123450000005678",
        "exit_date": null,
        "joining_date": "2018-05-10",
        "uan": "200123456789",
        "epfo": {
          "recent": true,
          "name_unique": true,
          "pf_filings_details": true
        },
        "employed": true,
        "employee_name_match": true,
        "exit_date_marked": false
      },
      "employer_details": {
        "establishment_id": "XYZAB0012345000",
        "establishment_name": "ABC TECHNOLOGIES PVT LTD",
        "setup_date": "2012-03-15",
        "ownership_type": "Private Limited Company",
        "employer_confidence_score": 85,
        "employer_name_match": true,
        "pf_filing_details": [
          {
            "total_amount": 32145678,
            "employees_count": 5678,
            "wage_month": "JAN-25"
          },
          {
            "total_amount": 31456789,
            "employees_count": 5600,
            "wage_month": "DEC-24"
          },
          {
            "total_amount": 30987654,
            "employees_count": 5500,
            "wage_month": "NOV-24"
          }
        ]
      }
    }
  },
  "mobile_number_intelligence": {
    "is_valid_number": true,
    "subscriber_status": "CONNECTED",
    "connection_type": "PREPAID",
    "current_service_provider": "AIRTEL",
    "original_service_provider": "AIRTEL",
    "network_region": "India",
    "is_ported": false
  },
  "credit_score": 805,
  "risk_intelligence": {
    "is_safe": false,
    "risk_level": "LOW",
    "risk_reason": "Inactive SIM",
    "risk_description": "SIM inactive or unused for an extended period",
    "added_on": "2025-06-23T12:42:10Z",
    "last_updated_on": "2025-09-09T17:00:11Z"
  }
}

Key data fields of Mobile360 OTP Response

The following table outlines the key data fields returned in the OTP verification response:

Field	Description
PERSONAL_DETAILS	Provides personal information such as full name, gender, date of birth, age, income, and occupation.
RELATIVE_DETAILS	Provides information about family members, including their names and relationships.
BANK_ACCOUNT_DETAILS	Contains banking information such as the masked account number, IFSC code, bank address, and associated account linkage. The unmasked account number can be made available to regulated entities after a successful penny drop verification.
UAN_EMPLOYMENT_DETAILS	Contains employment records linked to a UAN, including member ID, establishment ID, joining and exit dates, and Aadhaar linkage status.
RECENT_EMPLOYMENT_DETAILS	Provides recent employment history, including employee and employer details, EPFO verification, and PF filing data.
PAN	Contains the PAN number associated with the individual.
PAN_METADATA	Provides metadata related to the PAN, such as the registered name, name on the card, type, and Aadhaar linkage status.
PHONE_LIST	Lists phone numbers associated with the individual, including the number type and linkage source.
EMAIL_LIST	Lists email addresses associated with the individual and their linkage sources.
PASSPORT_NUMBER	Contains the passport number and associated linkage information.
AADHAAR_NUMBER	Provides a masked Aadhaar number and its source of linkage.
RATION_CARD	Contains the ration card number and linkage information.
DRIVING_LICENSE	Contains the driving license number and associated linkage.
VOTER_ID	Contains the voter ID and its linkage information.
ADDRESS_LIST	Lists known addresses, including full address, city, state, pincode, and linkage source.
MOBILE_NUMBER_INTELLIGENCE	Provides key insights about the mobile number, including its validity, connection status, and service provider details.
CREDIT_SCORE	Provides the individual’s credit score as a numeric value.
RISK_INTELLIGENCE	Provides risk insights about the mobile number, including is safe, risk level, reason, description, and relevant timestamps.

Authorizations

x-client-id

string

header

required

Your unique client identifier issued by Cashfree. You can find this in your Merchant Dashboard.

x-client-secret

string

header

required

The secret key associated with your client ID. Use this to authenticate your API requests. You can find this in your Merchant Dashboard.

Headers

x-cf-signature

string

Send the signature if two-factor authentication is selected as Public Key. More details.

x-api-version

string

default:2024-12-01

required

API version to be used. Format is in YYYY-MM-DD.

Example:

"2024-12-01"

Body

application/json

Find the request parameters for Mobile 360 Verify OTP.

verification_id

string

default:test_verification_id

required

The same unique ID provided during the Send OTP request.

Example:

"test_verification_id"

otp

string

default:123456

required

The OTP sent to the mobile number provided in the Send OTP request.

Example:

"123456"

Response

Response for Mobile360 Verify OTP.

verification_id

string

Unique ID of the verification request.

Example:

"test_verification_id_123"

reference_id

integer

Unique reference ID for the transaction.

Example:

987654

status

string

It displays the status of the API request. Possible values are

SUCCESS: Data has been successfully fetched using the provided mobile number.
DETAILS_NOT_FOUND: No data for the given mobile number could be retrieved.

Example:

"SUCCESS"

personal_details

object

Personal information of the individual.

Show child attributes

phone_numbers

object[]

Show child attributes

emails

object[]

Show child attributes

passport_details

object[]

Show child attributes

bank_account_details

object[]

Show child attributes

aadhaar_details

object[]

Show child attributes

ration_card_details

object[]

Show child attributes

driving_license_details

object[]

Show child attributes

voter_details

object[]

Show child attributes

pan_details

object[]

Show child attributes

addresses

object[]

Show child attributes

employment_details

object

Employment details of the individual.

Show child attributes

mobile_number_intelligence

object

Provides intelligence on mobile number.

Show child attributes

credit_score

integer

Credit score of the individual.

Example:

805

risk_intelligence

object

Provides risk intelligence analysis for the mobile number.

Show child attributes

Mobile 360 Send OTP Request Get Employment Details

⌘I

Secure ID APIs

V2

V1 (Depricated API's)

Mobile 360 Verify OTP

Authorizations

Headers

Body

Response