# Resend OTP

**Method:** `POST`

**Path:** `/api/pay/v1/otp/resend`

**Category:** BNPL

**Authentication:** Required

## Description

Resend the OTP to the customer's registered mobile number
for payment verification. This endpoint is shared between
Card Payments (native OTP flow) and BNPL payment verification.


## Request Body

Content-Type: `application/json`

- `payment_id` (`string`) **required** — Unique payment identifier from create payment response.

### Example Request

```json
{
  "payment_id": "v1-250708064524-aa-Zd1J9Y-bn-a"
}
```

## Responses

- `200` — OTP resent successfully.
- `400` — 
- `422` — Unprocessable entity — OTP resend limit reached.
- `500` — 
- `503` — Service unavailable.

### Response Schema

- `status` (`string`) — OTP resend status.
- `next` (`string[]`) — List of next possible actions after OTP resend.
- `meta_data` (`object`) — Metadata about the OTP resend.
  - `resend_after` (`string`) — Time in seconds after which OTP can be resent again.


### Example Response

```json
{
  "status": "SUCCESS",
  "next": [
    "SUBMIT_OTP",
    "RESEND_OTP"
  ],
  "meta_data": {
    "resend_after": "180"
  }
}
```

---

Reference: https://localhost:3000/api/bnpl/resend-otp