Generate OTP for Card Payment Authentication

POST/api/pay/v1/otp/generate

Generate a One-Time Password (OTP) for card payment authentication. This API is called after a card payment is created and the card requires OTP-based verification (native OTP flow).

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Requires Bearer token. Get token →

Header Parameters

Field	Details
`Request-Timestamp` `string`date-time	ISO 8601 UTC timestamp of the request. Used for idempotency and audit.
`Request-ID` `string`	Use a global unique identifier [GUID] for the request. Constraints Minimum length: 1 characterMaximum length: 50 characters

Request Bodyrequired

Field	Details
`payment_id` `string`required	Unique identifier of the payment requiring OTP verification.

Response

Field	Details
`next` `string[]`	Available next actions. Constraints Allowed item values: `SUBMIT_OTPRESEND_OTPNONE`
`meta_data` `object`1 nested field	Additional metadata for OTP handling.
`resend_after` `string`	Minimum wait time in seconds before OTP can be resent.

Status Codes

`200`	OTP generated successfully.
`400`	The request was malformed or missing required fields.
`422`	Unprocessable entity — payment not eligible for OTP generation.
`500`	An unexpected error occurred on the server.
`503`	Service temporarily unavailable.

Run

Request

curl --request POST \
  --url https://pluraluat.v2.pinepg.in/api/pay/v1/otp/generate \
  --header 'Authorization: Bearer YOUR_ACCESS_TOKEN' \
  --header 'Content-Type: application/json' \
  --header 'Request-ID: a1b2c3d4-e5f6-7890-abcd-ef1234567890' \
  --header 'Request-Timestamp: 2024-10-01T10:30:00Z' \
  --data '{
  "payment_id": "v1-5757575757-aa-hU1rUd-cc-l"
}'

Status:

{
  "next": [
    "SUBMIT_OTP",
    "RESEND_OTP"
  ],
  "meta_data": {
    "resend_after": "180"
  }
}