> ## Documentation Index
> Fetch the complete documentation index at: https://doc.raliopay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# OTP Requirements

> How to complete bank payouts when isOTPRequired is true.

<Tip>
  **Sandbox**: in the sandbox environment no SMS is delivered and the OTP code is always `123456`. You can submit it directly to [Validate bank payout OTP](/api-reference/payouts/validate-bank-payout-otp).
</Tip>

## When OTP is required

Bank payouts return `isOTPRequired` in the creation response. If it is `true`, the payout stays in `created` until you finish the OTP flow. When it is `false`, no OTP step is needed.

## Steps to complete the payout

<Steps>
  <Step title="Send the OTP">
    Call [Send OTP via SMS](/api-reference/otp/send-otp-via-sms) using the same authenticated merchant context you used to create the payout.
  </Step>

  <Step title="Validate the OTP">
    Call [Validate bank payout OTP](/api-reference/payouts/validate-bank-payout-otp) with the payout order ID (`oid`). On success, the payout can move from `created` to the next processing state.
  </Step>
</Steps>

<Info>
  OTP applies only when `isOTPRequired` is `true`. Otherwise, the payout continues without OTP validation.
</Info>