Revolutionizing Payment Authentication: Introducing Native OTP

In the world of digital payments, speed and simplicity are crucial for driving successful transactions. Every additional step in the payment flow increases the likelihood of cart abandonment, impacting conversion rates and merchant revenues. A major pain point in online card payments has been the redirection to bank authentication pages, disrupting the checkout experience.

We’re excited to introduce Native OTP, a game-changing solution that eliminates these redirections while maintaining top-tier security. With Native OTP, customers enter their OTPs directly on the merchant’s platform, ensuring a seamless and frictionless payment experience.

The Challenge with Traditional OTP Authentication

Traditionally, customers making a card payment are redirected from the merchant’s website or app to their bank’s authentication page (ACS page) to enter an OTP. This redirection introduces several challenges:

• Disrupted User Experience – Switching from a merchant’s sleek interface to various bank OTP pages creates a disjointed experience.
• Increased Drop-offs – Each additional step in the payment flow increases the chances of abandonment.
• Mobile Friction – Many authentication pages are not optimized for mobile devices, leading to frustration and transaction failures.
• Network Vulnerabilities – Multiple redirects can cause slow load times, increasing the risk of transaction failures.
• Brand Inconsistency – Merchants lose control over a critical stage of the payment journey.

Native OTP: A Seamless Authentication Experience

With Native OTP, the authentication process remains within the merchant’s ecosystem, removing the need for redirection. The process is simple yet powerful:

1. The customer initiates a card payment on the merchant’s website or app.
2. The bank sends the OTP via SMS to the customer.
3. The customer enters the OTP directly on the merchant’s interface.
4. The authentication happens securely in the background through our APIs.
5. The transaction is processed without leaving the merchant’s platform.

This streamlined approach significantly enhances user experience while ensuring security and compliance.

Key Benefits of Native OTP

For Merchants:

✅ Higher Conversion Rates – Reduce payment drop-offs and increase successful transactions.
✅ Full Checkout Control – Maintain a consistent and branded payment experience.
✅ Actionable Insights – Track OTP generation, resend rates, and authentication success.
✅ Mobile-Optimized Interface – Ensure a smooth checkout experience across all devices.
✅ Flexible Integration – Works with both web and mobile applications.

For Customers:

✅ Faster Transactions – No redirections, ensuring quicker payment completion.
✅ Seamless Experience – Stay within the merchant’s platform for the entire payment journey.
✅ Better Mobile Optimization – No more struggling with unresponsive bank OTP pages.
✅ Enhanced Usability – Auto-read OTP, quick resend options, and clear error messaging.

Bank Coverage & Availability

Native OTP already supports cards from India’s leading banks, covering over 80% of all card transactions. More banks are being added regularly, ensuring broader accessibility and seamless adoption.

Easy Implementation for Merchants

Integrating Native OTP is simple and requires minimal changes to your existing payment flow. The process involves:

• Connecting to our APIs for OTP validation and authentication.
• Adding OTP fields to your existing checkout interface.
• Enabling merchant-side authentication handling for a seamless experience.

Our technical documentation and support team ensure a hassle-free integration process, allowing you to go live quickly and efficiently.

Security & Compliance: No Compromises

While Native OTP revolutionizes the authentication experience, it maintains stringent security standards. The OTP is still generated by the bank’s authentication system, and all communications are encrypted and fully compliant with regulatory requirements.

Final Thoughts

Native OTP is a transformative step toward a frictionless, high-converting payment experience. By eliminating unnecessary redirections, it empowers merchants to enhance user experience, boost conversions, and take full control of their checkout process.

Are you ready to upgrade your payment experience? Get in touch today to enable Native OTP on your platform!