> ## Documentation Index
> Fetch the complete documentation index at: https://telr-docs.cashfree.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Authentication using native OTP

> Learn how you can authenticate card payments on your own website or app.

In a conventional card payment journey, customers are redirected to the bank's page to collect the One-Time Password (OTP). With Telr's seamless OTP payments feature, you can enhance the customer experience by collecting the OTP at your own page and submit it to Telr using our Authentication APIs. This eliminates the need for redirecting to the bank's page, reducing payment failures that can happen due to redirection drop-offs or slow internet speeds.

<Frame caption="Difference between Bank OTP Payment and Seamless OTP Payment">
  <img height="200" src="https://mintcdn.com/telr/UUOwGI9ZYKlKZXwE/static/payments/features/nativeotp/native-otp.png?fit=max&auto=format&n=UUOwGI9ZYKlKZXwE&q=85&s=feb8af7b47043325eca6c31e336181ff" data-path="static/payments/features/nativeotp/native-otp.png" />
</Frame>

<Note>This feature is only enabled on request. Please fill out the [Support Form](https://telr.cashfree.com/merchants/landing?env=prod\&raise_issue=1) to get this feature enabled for your account.</Note>

## Implement Seamless OTP Payments

To implement seamless OTP payments, follow these steps:

<Steps>
  <Step title="Call the Order Pay API with the channel object set to post for card payments">
    ```shell native-otp initiate request {9} theme={null}
    curl --request POST \
      --url https://sandbox.cashfree.com/pg/orders/sessions \
      --header 'Content-Type: application/json' \
      --header 'x-version: <<LATEST_VERSION>>' \
      --data '{
      	"payment_session_id": "session_Cke8Y9LKs2CQP9KuTzsomExG1x5CKBLo8MynNCv8QT",
      	"payment_method":{
      		"card":		{
      			"channel":"post",				 
      			"card_cvv": "123",
      			"card_holder_name": "rohit",
      			"card_number":"4706131211212123",
      			"card_expiry_mm": "03",
      			"card_expiry_yy": "27"
      		}
      	}
      }'
    ```
  </Step>

  <Step title="If the native OTP flow is enabled for the account, the response will return an action as post and an authentication API URL where you need to submit the OTP">
    ```json response {2} theme={null}
    {
    	"action": "post",
    	"cf_payment_id": 14909602643,
    	"channel": "post",
    	"data": {
    		"url": "https://sandbox.cashfree.com/pg/orders/pay/authenticate/14909602643",
    		"payload": null,
    		"content_type": "application/json",
    		"method": "post"
    	},
    	"payment_amount": 1.10,
    	"payment_method": "card"
    }
    ```
  </Step>

  <Step title="Collect the OTP from your page and submit it to Telr using the Submit or Resend OTP API">
    You can read more about the API [here](/api-reference/payments/latest/payments/authenticate).

    ```bash authenticate request {8-9} theme={null}
    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"
    }
    '
    ```
  </Step>
</Steps>