# Request OTP

The **Request OTP** API is used to request access to sensitive information. Calling this endpoint triggers a One‑Time Password (OTP) that is delivered to the cardholder via SMS. The OTP must be supplied on a subsequent **Verify OTP** request.

> **NOTE:** An SMS message is always sent to the cardholder’s registered mobile number. If an email address is on file and email OTP is enabled, the OTP will also be sent to the registered email address.

***

## ✍️ Authentication Methods

Exactly **one** of the following authentication schemes must be supplied in the `<AuthenticationDetails>` block.

| Scheme               | Field                                       | Format             | Required | Notes                                              |
| -------------------- | ------------------------------------------- | ------------------ | -------- | -------------------------------------------------- |
| **Card Credentials** | `AuthCardNumber`                            | PAN (16–19 digits) | ✓        |                                                    |
|                      | `AuthExpirationDate`                        | `YYYY‑MM`          | ✓        |                                                    |
|                      | `AuthDOB`                                   | `YYYY‑MM‑DD`       | ✓        | Date of birth on file                              |
| **Cardholder Login** | `Username`                                  | String             | ✓\*      | Use if the cardholder has self‑service credentials |
|                      | `Password`                                  | String             | ✓\*      |                                                    |
|                      | \*Only required when using the Login scheme |                    |          |                                                    |

***

### 📥 Input Parameters

| Name              | Required | Definition                                                                                      | Comments                                                   |
| ----------------- | -------- | ----------------------------------------------------------------------------------------------- | ---------------------------------------------------------- |
| `Purpose`         | Y        | <p><em>String (≤50)</em><br>Allowed value: <code>Dispute Management</code></p>                  |                                                            |
| `ID`              | Y        | <p><em>Numeric (1‑19)</em><br>RPID when <code>IDType = RPID</code></p>                          |                                                            |
| `IDType`          | Y        | `CardNumber` \| `RPID` \| `SavingAccount`                                                       | **Avoid** `CardNumber` here to prevent unencrypted storage |
| `RequestedResult` | Y        | <p><em>String (≤50)</em><br>Allowed: <code>CardNumberCvv</code>, <code>ChangeCardPin</code></p> |                                                            |

### 💻 Output Parameters

| Name   | Definition | Failure Case | Success Case | Comments                                           |
| ------ | ---------- | ------------ | ------------ | -------------------------------------------------- |
| *None* |            |              |              | All values are returned inside `<ResponseDetails>` |

***

## 📄 XML Samples

### Card‑Credentials Authentication

```xml
<?xml version="1.0"?>
<PraxellXMLRequest>
  <AuthenticationDetails>
    <AuthCardNumber>*******************</AuthCardNumber>
    <AuthExpirationDate>2028-03</AuthExpirationDate>
    <AuthDOB>1996-11-28</AuthDOB>
  </AuthenticationDetails>
  <ServiceDetails>
    <UniqueRequestId>9633-6955-1</UniqueRequestId>
    <ServiceName>RequestOTP</ServiceName>
  </ServiceDetails>
  <Origin>
    <OriginType>ExtAPI</OriginType>
  </Origin>
  <ServiceParams>
    <Purpose>Dispute Management</Purpose>
    <ID>1234565789</ID>
    <IDType>RPID</IDType>
    <RequestedResult>ChangeCardPin</RequestedResult>
  </ServiceParams>
</PraxellXMLRequest>
```

```xml
<?xml version="1.0"?>
<PraxellXMLResponse>
  <ResponseDetails>
    <ServiceName>RequestOTP</ServiceName>
    <SessionId>38097317201110064</SessionId>
    <StatusCode>0</StatusCode>
    <StatusName>StatusOK</StatusName>
    <StatusDescription>OK</StatusDescription>
    <ServiceDate>2025-05-29 05:10:40</ServiceDate>
    <ServiceId>38097317201110064</ServiceId>
  </ResponseDetails>
  <ResponseParams/>
</PraxellXMLResponse>
```

```xml
<?xml version="1.0"?>
<PraxellXMLResponse>
  <ResponseDetails>
    <ServiceName>RequestOTP</ServiceName>
    <SessionId>07071612200737105</SessionId>
    <StatusCode>70029</StatusCode>
    <StatusName>Data not found (cardholder not found)</StatusName>
    <StatusDescription>Data not found (cardholder not found)</StatusDescription>
    <ServiceDate>2025-05-29 05:12:50</ServiceDate>
    <ServiceId>07071612200737105</ServiceId>
  </ResponseDetails>
  <ResponseParams/>
</PraxellXMLResponse>
```

### Login‑Credentials Authentication (alternative)

```xml
<?xml version="1.0"?>
<PraxellXMLRequest>
  <AuthenticationDetails>
    <Username>jane.doe</Username>
    <Password>Aq1!xyz123</Password>
  </AuthenticationDetails>
  <ServiceDetails>
    <UniqueRequestId>984653217</UniqueRequestId>
    <ServiceName>RequestOTP</ServiceName>
  </ServiceDetails>
  <Origin>
    <OriginType>ExtAPI</OriginType>
  </Origin>
  <ServiceParams>
    <Purpose>Dispute Management</Purpose>
    <ID>1234567890</ID>
    <IDType>RPID</IDType>
    <RequestedResult>ChangeCardPin</RequestedResult>
  </ServiceParams>
</PraxellXMLRequest>
```

***

ℹ️ Use the returned **SessionId** when calling **VerifyOTP**. The OTP expires after 10 minutes.

For additional error codes see the *Common Errors* section of the API reference.


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