The Razorpay Advantage

first to market
First to market
We are the first Payment Gateway in India to support Native OTP on RuPay Cards.
strategic
Strategic Partnerships
Our strategic partnership with NPCI ensures early access to new capabilities.
technological innovation
Technological Innovation
We relentlessly push the boundaries of technological innovation.

Why Native OTP on RuPay Cards

fast checkout
Faster Checkouts
Customers enter OTPs without leaving the checkout page
increased conversion
Increased Conversion
Watch success rates grow by
4-5%
reduced drop
Reduced Drop Rates
Suitable for customers with low-speed internet or unstable mobile networks
enhanced security
Enhanced Security
Razorpay and NPCI use multiple layers of payment security for fraud protection

How it works

mobile illustration
Step 1
The customer chooses to pay via a supported RuPay card on checkout.
Step 2
Customer enters their card details and initiates the payment. Only CVV needs to be entered in case of a ‘saved card’.
Step 3
A form appears on the merchant site where the customer needs to enter the OTP sent to their registered mobile number.
Step 4
Customer enters the OTP and clicks Submit. Payment completed successfully.
mobile illustration

Frequently Asked Questions

FAQs

What is Native OTP?
What is Native OTP?

Native OTP helps generate and verify OTP on the consumers’ browser without redirecting them to the 3DS/ ACS page for authentication. Since there will be no redirection using the consumers’ browser, it will reduce the dependency on the customers’ browser network, reduce the drop off rates, and give a seamless consumer experience for RuPay transactions.

Which banks currently support Native OTP on RuPay cards?
Which banks currently support Native OTP on RuPay cards?

Native OTP on RuPay cards is currently supported by Indian Bank, Allahabad Bank, Bank of Baroda and Punjab National Bank. NPCI will cover all issuing banks by March 31, 2022.

Are there any additional charges to enable this?
Are there any additional charges to enable this?

There are no additional charges. The prevailing pricing for Rupay debit and credit cards provided to you are applicable.

How do I activate Native OTP on RuPay cards?
How do I activate Native OTP on RuPay cards?

Native OTP on RuPay card transactions is currently enabled to all eligible merchants by default. No further action is needed from the merchant.

Who are the eligible merchants?
Who are the eligible merchants?

All merchants on standard checkout, custom checkout and S2S checkout are eligible.

What is Native OTP?

Native OTP helps generate and verify OTP on the consumers’ browser without redirecting them to the 3DS/ ACS page for authentication. Since there will be no redirection using the consumers’ browser, it will reduce the dependency on the customers’ browser network, reduce the drop off rates, and give a seamless consumer experience for RuPay transactions.

Which banks currently support Native OTP on RuPay cards?

Native OTP on RuPay cards is currently supported by Indian Bank, Allahabad Bank, Bank of Baroda and Punjab National Bank. NPCI will cover all issuing banks by March 31, 2022.

Are there any additional charges to enable this?

There are no additional charges. The prevailing pricing for Rupay debit and credit cards provided to you are applicable.

How do I activate Native OTP on RuPay cards?

Native OTP on RuPay card transactions is currently enabled to all eligible merchants by default. No further action is needed from the merchant.

Who are the eligible merchants?

All merchants on standard checkout, custom checkout and S2S checkout are eligible.

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