Native OTP Authentication

In a typical card payment flow, the bank’s page collects the OTP after the payment gateway redirects the customer. With Cashfree’s Native OTP functionality, you can collect the OTP directly on your website or app, improving the customer experience. Benefits of Native OTP

No redirects, no friction: Eliminates redirects and reduces payment failures due to drop-offs or slow network.
Single-click OTP experience: Provides seamless single-click experience to customers via auto-read and auto-submit functionality.

Native OTP boosts success rates by approximately 5%.

Bank ACS vs Cashfree Native OTP — Bank ACS page experience v/s Cashfree Native OTP experience

Use the raise an issue support form to request enabling this feature for your account.

Cashfree-hosted checkout

Native OTP functionality is supported by default on Cashfree checkout. Cashfree displays the Native OTP page directly within the checkout, allowing customers to submit the OTP without redirection.

Native OTP experience on Cashfree checkout

Cashfree’s Native OTP is also enriched with OTP auto-read and auto-submit functionality, enabling single-click OTP experience for customers.

Seamless checkout

To implement Native OTP on seamless checkout, merchants must build their own custom Native OTP interface and use Cashfree’s APIs to perform authentication. Best practices for designing a Native OTP page Seamless merchants can draw inspiration from Cashfree’s Native OTP design, which adheres to EMV 3DS user experience guidelines, thereby enhancing customer familiarity and trust.
The UI should include the following elements:

OTP input field and submit button.
OTP auto-read and auto-submit functionality.
Display of bank and scheme logos.
Resend OTP option, allowed twice, enabled after 30 seconds each, per bank limits.
Option to complete the transaction on the bank’s website.
5-minute session timeout, in accordance with bank timeout.

Initiate Native OTP request

Call the Order Pay API with "channel": "post" to request for Native OTP flow for authentication.

Native OTP request

curl --request POST \
  --url https://sandbox.cashfree.com/pg/orders/sessions \
  --header 'Content-Type: application/json' \
  --header 'x-api-version: <latest-version>' \
  --data '{
  	"payment_session_id": "session_Cke8Y9LKs2CQP9KuTzsomExG1x5CKBLo8MynNCv8QT",
  	"payment_method":{
  		"card":		{
          "channel":"post",	
          "card_number": "4111111111111111",
          "card_expiry_mm": "03",
          "card_expiry_yy": "25"	
          "card_cvv": "326", 
          "card_holder_name": "john"
  		}
  	}
  }'

Collect OTP

If Native OTP flow is enabled and supported for a given transaction, the Order Pay API response will return "action": "post". Render the native OTP UI to collect the OTP and submit it on the link provided in the data.url field for authentication.

Collect OTP response

{
   "action": "post",
   "cf_payment_id": "3991346241",
   "channel": "post",
   "data": {
       "url": "https://api.cashfree.com/pg/orders/pay/authenticate/3991346241",
       "payload": null,
       "content_type": "application/json",
       "method": "post",
       "redirect_to_bank": "https://api.cashfree.com/pg/view/redirecttobank/MV47yJlEMkr8X_Er5YDZ-uiKHU7IGrK2kH7CTtcjeaU8v10fAeLoLL9osqoUQrmBxnbV809FFzyQTKQy"
   },
   "payment_amount": 1.00,
   "payment_method": "card"
}

It is advisable to keep 10 seconds of max timeout for the Order Pay API response, as our Native OTP response is subject to bank ACS load time.

Handling API response for Native OTP flow

When channel = 'post' is sent in Order Pay API request for Native OTP flow:

If Native OTP is supported, you’ll receive channel = "post" and action = "post" in response → render Native OTP UI and submit OTP to data.url; If user clicks on redirect to bank page, then redirect the user to data.redirect_to_bank.

Sample response

{
   "action": "post",
   "cf_payment_id": "3991346241",
   "channel": "post",
   "data": {
       "url": "https://api.cashfree.com/pg/orders/pay/authenticate/3991346241",
       "payload": null,
       "content_type": "application/json",
       "method": "post",
       "redirect_to_bank": "https://api.cashfree.com/pg/view/redirecttobank/MV47yJlEMkr8X_Er5YDZ-uiKHU7IGrK2kH7CTtcjeaU8v10fAeLoLL9osqoUQrmBxnbV809FFzyQTKQy"
   },
   "payment_amount": 1.00,
   "payment_method": "card"
}

If Native OTP isn’t supported, you’ll receive channel = "post" and action = "link" in response → redirect the user to data.url or data.redirect_to_bank (both will have the same URL).

Sample response

{
   "action": "link",
   "cf_payment_id": "3991389813",
   "channel": "post",
   "data": {
       "url": "https://api.cashfree.com/pg/view/gateway/session_N45NkEY97Jwp--7qMG88UI6gZ5etAqlxHAe-LqJf-tWCguYEZUehSvDhTeXoTFGEvHI1TzQ0Z1qHgTC9mBup0Zxn3NCYEvzo4kLajub-98c4QuN2bLnDWKdZ2a3dcde9-7080-451b-9dff-b57f03873c68",
       "payload": null,
       "content_type": null,
       "method": null,
       "redirect_to_bank": "https://api.cashfree.com/pg/view/gateway/session_N45NkEY97Jwp--7qMG88UI6gZ5etAqlxHAe-LqJf-tWCguYEZUehSvDhTeXoTFGEvHI1TzQ0Z1qHgTC9mBup0Zxn3NCYEvzo4kLajub-98c4QuN2bLnDWKdZ2a3dcde9-7080-451b-9dff-b57f03873c68"
   },
   "payment_amount": 1.00,
   "payment_method": "card"
}

When channel = 'link' is sent in Order Pay API request for non-Native OTP flow:

Redirect the user to data.url which will be the bank ACS page or Cashfree ACS page if Cashfree ACS is enabled; data.redirect_to_bank won’t be present in this case.

Sample response

{
   "action": "link",
   "cf_payment_id": "3991367114",
   "channel": "link",
   "data": {
       "url": "https://api.cashfree.com/pg/view/gateway/session_N45NkEY97Jwp--7qMG88UI6gZ5etAqlxHAe-LqJf-tWCguYEZUehSvDhTeXoTFGEvHI1TzQ0Z1qHgTC9mBup0Zxn3NCYEvzo4kLajub-98c4QuN2bLnDWKdZ4d4ecf9d-328a-4460-964b-df8d8096be6f",
       "payload": null,
       "content_type": null,
       "method": null
   },
   "payment_amount": 1.00,
   "payment_method": "card"
}

Seamless merchants can also leverage Cashfree’s seamless Native OTP SDK which offers customisable UI and in-built auto-read and auto-submit functionality, enabling single-click OTP experience for customers.

Seamless Native OTP experience with Cashfree SDK

On the Native OTP page, it is advisable to provide an option for customers to complete the transaction on the bank’s website. If the customer clicks on this option, another transaction is created in the backend and processed on the bank ACS page. In this scenario, the merchant receives two webhooks—one for the primary transaction and another for the secondary transaction created during the redirection.
Merchants should consume these webhooks based on their order_id. For reconciliation of order status, always use the Get Payments for an Order API. If any transaction for the order is successful, the order status should be considered paid.

Submit OTP

After merchant collects the OTP on Native OTP page, they can submit it to Cashfree using the Submit OTP API.

Submit OTP

curl --request POST \
     --url https://sandbox.cashfree.com/pg/orders/pay/authenticate/{payment_id} \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --header 'x-api-version: <latest-version>' \
     --data '
{
  "action": "SUBMIT_OTP",
  "otp": "111000"
}'

Also, give an option to resend OTP on your Native OTP page by calling this same API with "action": "RESEND_OTP".

Resend OTP

curl --request POST \
     --url https://sandbox.cashfree.com/pg/orders/pay/authenticate/{payment_id} \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --header 'x-api-version: <latest-version>' \
     --data '
{
  "action": "RESEND_OTP"
}'

Cashfree ACS

For merchants who prefer not to build a custom Native OTP interface, Cashfree provides an ACS page where customers can submit the OTP. This page offers a standardised experience with auto-read and auto-submit functionality for a smoother payment flow. Call the Order Pay API with "channel": "link" to request Cashfree ACS for authentication → redirect the user to data.url to open Cashfree ACS page. Cashfree will collect and submit the OTP for authentication.

Sample response

{
   "action": "link",
   "cf_payment_id": "3991367114",
   "channel": "link",
   "data": {
       "url": "https://api.cashfree.com/pg/view/gateway/session_N45NkEY97Jwp--7qMG88UI6gZ5etAqlxHAe-LqJf-tWCguYEZUehSvDhTeXoTFGEvHI1TzQ0Z1qHgTC9mBup0Zxn3NCYEvzo4kLajub-98c4QuN2bLnDWKdZ4d4ecf9d-328a-4460-964b-df8d8096be6f",
       "payload": null,
       "content_type": null,
       "method": null
   },
   "payment_amount": 1.00,
   "payment_method": "card"
}

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