Generate OTP

Generates and sends a One-Time Password (OTP) to the customer's registered mobile number. The OTP is used for sensitive operations like viewing card details, activating cards, and initiating fund transfers.

When to Use

• Before card activation (activate-card endpoint)
• Before viewing full card details
• Before IMPS/fund transfers
• Any operation requiring two-factor authentication

OTP Types

• S — Single OTP sent to mobile only
• D — Dual OTP sent to both mobile and email

Response

Returns a traceNumber that must be passed to the validate-otp endpoint.

Rate Limits

OTP generation is limited to prevent abuse. Exceeding limits returns a 409 error.

curl -X POST "https://sandbox-api.m2pprepaid.com/prepaid/customer/v1/otp/generate" \  -H "X-TENANT-ID: ACME_CORP" \  -H "Content-Type: application/json" \  -d '{    "mobileNumber": "9876543210",    "otpType": "S",    "template": "OTP",    "entityId": "615928984620006085281025",    "productId": "HKfXwH9uph",    "card": "0016",    "countryCode": 91  }'

{
  "result": {
    "status": true,
    "traceNumber": "10b53ad5-9fa2-48d5-8de0-ffa9643900d9",
    "refNumber": ""
  },
  "pagination": null
}

{
  "type": "https://www.m2pfintech.com/problem/problem-with-message",
  "title": "Bad Request",
  "status": 400,
  "detail": "Unable to convert http message",
  "message": "error.http.400"
}

{
  "type": "https://www.m2pfintech.com/problem/problem-with-message",
  "title": "No account found",
  "status": 409,
  "detail": "No account found",
  "message": "error.business",
  "businessCode": "PP_MIDD_027"
}