Accept One-Time Payments with OTP

December 27, 2023

OTP (One Time Password) is another layer of online protection against financial fraud.

A “one-time password” (OTP) authentication (also known as dynamic password) is a password that is valid for a single transaction. It aims to reduce fraud and provide extra security for your merchant’s online payments.

Consider using OTP when your merchant has a substantial amount of fraud or particularly sensitive or high-value transactions since this might result in a lower conversion due to added steps in the payment process.

You will be able to specify the type of transactions for which OTP validation will be requested, for example, when the transaction amount exceeds a certain threshold.

Check below for the availability of OTP authentication with the affiliation and integration models available in Kushki.

OTP authentication availability

By affiliation methods

OTP authentication is available when processing transactions with the following card brands:

Aggregation

Credit card and debit card

Acquisition

Credit card and debit card

By integration methods

OTP authentication is available in the following integration methods:

An example of what you will integrate is shown below:

How does it work?

After the user completes the form and clicks on the payment button, a small charge of a random three-digit amount will be made to the user’s card (between 500 and 999 CLP). The amount charged must be entered by the user to authenticate the transaction. The user will typically be able to verify this amount in the notification or email sent by the bank or directly in their bank account. This charge will be automatically canceled in a couple of minutes.

Once the payer consults the amount charged, they must enter this number in an interface that will be shown to your users to validate the transaction. The following is an example of the interface and the message you can present to capture the validation amount:

1. Set up your Front-end

Set up your front-end according to your integration.

Kajita

Follow our instructions for Kajita described in our guide to accept card payments.

Once you set up OTP for your merchant, Kajita will automatically ask for the OTP in each payment attempt. You don’t need to do anything else.

Kushki.js

Follow our instructions for Kushki.js described in our guide to accept card payments.

Now, before sending the data to the end-point in your back-end, we must collect the OTP from the user and validate it.

When an OTP is enabled, the response obtained from the requestToken() method will be as shown below:

{ 
    token: "90a9f2d93ba508c38971890454897fd4",
    secureId: "5e44449e-869b-4fed-bbca-e1bfa5af53c3",
    secureService: "KushkiOTP"
}

Once the requestToken() response is obtained, you will need to display a field in your form to collect the user’s OTP.

By using the OTP collected the user along with the secureId obtained from requestToken, you must run the requestSecureServiceValidation() method to authenticate the OTP and obtain the code to send it to your back-end.

kushki.requestSecureServiceValidation({
 secureServiceId: "5e44449e-869b-4fed-bbca-e1bfa5af53c3", // Replace with the received secureId
 otpValue: "155" // Replace with the OTP entered by the user
}, (response) => {
  if(!response.code){
    console.log(response);
    // Submit the code to your back-end
  } else {
    console.error('Error: ',response.error, 'Code: ', response.code, 'Message: ',response.message);
  }
});

2. Set up your Back-end

Please follow the instructions in our guide to accept card payments.

3. Test your Integration

You may use test cards in test mode to ensure that your integration is ready. Use them with any CVV and a future expiration date.

• Approved transaction: 5451951574925480
• Declined transaction during token request (front-end): 4574441215190335
• Declined transaction in OTP charge request (front-end): 4349003000047015
• OTP validation amount: 150

4. Prepare your Certification

Follow the guidelines described in our guide to accept card payments.

In addition to the guidelines described in the guide, if you are using Kushki.js, you also need to validate the following:

• There is a message explaining OTP.
• The OTP field appears when clicking on pay.
• The OTP field must be required.
• The OTP field only accepts numbers.
• The OTP field allows exactly 3 digits.
• Kushki’s logo must be visible for the customer. You can find our logo in several formats here.