MULTI_FACTOR

The MULTI_FACTOR method involves sending a one-time password (OTP), which the consumer provides to authenticate the payment.

MULTI_FACTOR authentication does not require any additional authenticationSettings.

Request

//...
  "authenticationSettings": [
    {
      "type": "MULTI_FACTOR"
    }
  ]
//...

Response

//...
  "authenticationMethods": [
    {
      "details": {},
      "type": "MULTI_FACTOR"
    }
  ]
//...

To proceed with the MULTI_FACTOR flow, submit the OTP in the verificationCode

Request

POST /v1/payment-charges/{paymentChargeId}/authorizations

{
  "authenticationResult": {
    "type": "MULTI_FACTOR",
    "details": {
      "verificationCode": "124567"
    }
  }
}

Response

{
    "id": "authz_T2nP3ZL6bH6tscyJL7ymv",
    "amount": 1000,
    "status": "AUTHENTICATION_PENDING",
    "merchantPaymentChargeReference": "YOUR_ORDER_NUMBER",
    "createdAt": "2025-04-28T16:42:36.316Z",
    "updatedAt": "2025-04-28T16:42:51.251Z",
    "_links": {
        "payment_charge": {
            "href": "/v1/payment-charges/charge_rpxa3BpKcPzUlhYVKyvAV"
        }
    }
}