With the increase in adoption of digital payments, the end customer expects a seamless transaction journey without any friction. Businesses look out for a solution that can meet this expectation. In conventional card and Netbanking Payment journeys, the user is redirected to the bank 3Ds Page for authentication, via OTP which leads to multiple redirections. We have noticed that 2.64% card payments fail due to incorrect OTP and the retrial rate for such failure is less than 50%. This can truly hamper business growth, causing avoidable revenue losses!

First in the industry, Razorpay has introduced Autofill OTP not just on Native Apps but also on mWeb, i.e. now Auto Read OTP will work for all your payments across the platforms. We have built a Native Otp SDK to collect OTP on your checkout page as well as bank pages, and also help customers read and submit the OTP automatically. The SDK supports multiple UI for businesses to collect the OTP. Not just that, the end customer can review the OTP before submission. With this SDK, end customers never leave your app. This helps avoid multiple redirections and reduces the friction to enter OTP manually. This not only saves time but also creates delightful customer experiences.

Our Native OTP will work for your card, netbanking and wallet transactions supporting various checkout experiences like Razorpay standard checkout, custom checkout or businesses’ hosted checkout. Apart from SDK, the OTP auto fill will also work for mWeb payments.

The Native Otp Sdk also works across the payment partners if you are using multiple payment partners via Optimizer. The idea behind building this is to provide one app, one experience to all your customers even while you use multiple payment partners/gateways for your business. 

India’s leading businesses providing online service are currently using Razorpay Native OTP SDK to provide a seamless experience to their customers including Myntra, Flipkart, Zomato, Blinkit, Housing, NoBroker, Airtel and many more and have noticed an SR uptick of 2-4 %.

A Quick Dive into the Native OTP Experience

Supported Platforms

This groundbreaking feature currently supports Native OTP on external gateways, including Paytm PG, Payu, and Billdesk.

Coverage

Enjoy extensive coverage with 90% of BINs supporting Native OTP, ensuring a wide range of compatibility.

3DS 2.0 compliant

Unlike other payment solutions, our Native OTP is 3D compliant, which means the chances of fraud on your online payment go significantly down!

Why should you opt for our best-in-industry Native OTP solution?

• Adaptive UI 

The SDK empowers merchants with the flexibility of utilizing multiple UIs for collecting OTPs, while end customers can conveniently review OTPs within the merchant’s app. This approach minimizes the need for multiple redirections, offering users a frictionless and seamless payment experience.

• Unified checkout experiences

Designed to cater to diverse transactions, the SDK supports card, net banking, and wallet transactions. Whether it’s Razorpay standard checkout, custom checkout, or merchant-hosted checkout, the Native OTP SDK ensures a unified and smooth checkout experience for both merchants and customers.

• Effortless mWeb payments

Extend the ease of OTP auto-fill to mWeb payments, ensuring a consistent and streamlined payment experience across different platforms.

• Harmony across payment partners

The Native OTP SDK seamlessly integrates with multiple payment partners via Optimizer. This enables businesses to provide a consistent and cohesive experience to customers, even when utilizing various payment partners or gateways.

Now, it’s your turn to embrace the new era of transaction simplicity and unified checkout experiences.