While doing card payments, customers are redirected to the bank page to collect OTP. However, you can opt for collecting OTP at your page and submitting it to Cashfree using our [Authentication APIs](🔗).
This feature is only enabled on request. Please reach out to us at [[email protected]](🔗) to get this feature.
For seamless OTP payments, follow these steps -
While calling [order pay](🔗) API, pass the ‘channel’ object for card payments as ‘post’. Here's an example request and response for the same.
If the native OTP flow is enabled for the account, response will return action as 'post' and an authentication API in url which you need to call to submit the OTP.
This API is probabilistic in nature, we do our best to serve seamless response, however, it might be possible that it fall back to regular link based response. In that case, action would be "link" and you'll need to redirect to bank's page which is provided in url. Make sure to handle this case as well.
Collect the OTP from your page and submit it to cashfree using Authentication API - [Submit or Resend OTP](🔗)
Difference between **Bank OTP Payment** and **Seamless OTP Payment**
### Banks supporting Seamless OTP Payments
|Bank Name||Payment Mode||Card Type|
|STATE BANK OF INDIA||CREDIT CARD||visa|
|STATE BANK OF INDIA||DEBIT CARD||visa|
|STATE BANK OF INDIA||DEBIT CARD||mastercard|
|ICICI BANK||CREDIT CARD||visa|
|AXIS BANK||CREDIT CARD||visa|
|HDFC BANK||CREDIT CARD||visa|
|HDFC BANK||CREDIT CARD||mastercard|
|ICICI BANK||DEBIT CARD||visa|
|HDFC BANK||DEBIT CARD||mastercard|
|AXIS BANK||CREDIT CARD||mastercard|
|AXIS BANK||DEBIT CARD||visa|
|HDFC BANK||DEBIT CARD||visa|
|KOTAK MAHINDRA BANK||CREDIT CARD||visa|
|ICICI BANK||CREDIT CARD||mastercard|
|IDFC FIRST BANK||CREDIT CARD||visa|
|ICICI BANK||DEBIT CARD||mastercard|
|AXIS BANK||DEBIT CARD||mastercard|
|IDFC FIRST BANK||DEBIT CARD||visa|