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When OTP is required

Crypto 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.

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Steps to complete the payout

1

Send the OTP

Call Send OTP via SMS using the same authenticated merchant context you used to create the payout.
2

Validate the OTP

Call Validate crypto payout OTP with the payout order ID (oid). On success, the payout can move from created to the next processing state.
OTP applies only when isOTPRequired is true. Otherwise, the payout continues without OTP validation.