The following APIs are used for Native OTP Flow integration:
| Use case → Reference | command / primary value | Description |
|---|
| Initiate payment — Collect Payment API – Server-to-Server | POST _payment with S2S=4 | Initiates a payment in which the customer enters the OTP on the merchant or PayU page instead of being redirected to the bank's 3DS page. |
| Submit the OTP — Submit OTP API | POST ResponseHandler.php with otp | Submits the OTP entered by the customer to complete card authentication. |
| Resend the OTP — Resend OTP API | POST ResponseHandler.php with resendOtp=1 | Resends the OTP when the previously issued OTP is incorrect or expired. |
| Check EMI eligibility — Get Checkout Details API | get_checkout_details | Checks customer eligibility before initiating Debit Card EMI or Cardless EMI Native OTP payments. |
| Verify a payment — Verify Payment API | verify_payment | Reconciles the transaction status with PayU after OTP submission. |
| Use case → Reference | command / primary value | Description |
|---|
| Submit the OTP — Submit OTP API | POST ResponseHandler.php with otp | Submits the OTP entered by the customer to complete card authentication. |
| Resend the OTP — Resend OTP API | POST ResponseHandler.php with resendOtp=1 | Resends the OTP when the previously issued OTP is incorrect or expired. |
| Use case → Reference | command / primary value | Description |
|---|
| Check EMI eligibility — Get Checkout Details API | get_checkout_details | Checks customer eligibility before initiating Debit Card EMI or Cardless EMI Native OTP payments. |
| Use case → Reference | command / primary value | Description |
|---|
| Verify a payment — Verify Payment API | verify_payment | Reconciles the transaction status with PayU after OTP submission. |
