# Purchase OTP verification

Verify OTP for a Direct Debit BRI purchase.

Send the same payload as purchase initiation, plus OTP fields in `order`.

### Endpoint

| Environment | Method | URL                                                  |
| ----------- | ------ | ---------------------------------------------------- |
| Development | POST   | <https://devo.finnet.co.id/pg/payment/card/initiate> |
| Production  | POST   | <https://live.finnet.co.id/pg/payment/card/initiate> |

### Body Request

<table><thead><tr><th width="79" data-type="number">No</th><th>Name</th><th>Type</th><th>Mandatory</th><th>Description</th></tr></thead><tbody><tr><td>1</td><td>customer</td><td>object</td><td>M</td><td>Customer identity and contact details.</td></tr><tr><td>2</td><td>customer.email</td><td>string</td><td>M</td><td></td></tr><tr><td>3</td><td>customer.firstName</td><td>string</td><td>M</td><td></td></tr><tr><td>4</td><td>customer.lastName</td><td>string</td><td>M</td><td></td></tr><tr><td>5</td><td>customer.mobilePhone</td><td>string</td><td>M</td><td>Use international format (example: <code>+628...</code>).</td></tr><tr><td>6</td><td>order</td><td>object</td><td>M</td><td>Order details.</td></tr><tr><td>7</td><td>order.id</td><td>string</td><td>M</td><td>Unique order ID from your system.</td></tr><tr><td>8</td><td>order.amount</td><td>string</td><td>M</td><td>Amount as string (example: <code>"1000"</code>).</td></tr><tr><td>9</td><td>order.currency</td><td>string</td><td>M</td><td>Currency code (example: <code>IDR</code>).</td></tr><tr><td>10</td><td>order.description</td><td>string</td><td>M</td><td></td></tr><tr><td>11</td><td>order.otp</td><td>string</td><td>M</td><td>OTP code (example: <code>"999999"</code>).</td></tr><tr><td>12</td><td>order.referenceNumber</td><td>string</td><td>M</td><td>Reference number from the initiation response.</td></tr><tr><td>13</td><td>url</td><td>object</td><td>M</td><td>Redirect/callback configuration.</td></tr><tr><td>14</td><td>url.callbackUrl</td><td>string</td><td>M</td><td>URL to receive payment result callback.</td></tr><tr><td>15</td><td>sourceOfFunds</td><td>object</td><td>M</td><td>Funding source configuration.</td></tr><tr><td>16</td><td>sourceOfFunds.type</td><td>string</td><td>M</td><td>Value for BRI Direct Debit: <code>ddbri</code>.</td></tr><tr><td>17</td><td>sourceOfFunds.accountId</td><td>string</td><td>M</td><td>BRI Direct Debit account token (example format: <code>card_...</code>).</td></tr></tbody></table>

**Sample Request**

```json
{
  "customer": {
    "email": "finnet@finpay.id",
    "firstName": "Finnet",
    "lastName": "Finpay",
    "mobilePhone": "+628133560008"
  },
  "order": {
    "id": "6f2f8d90-5f2f-4b70-9a22-7cb8bdf641b1",
    "amount": "1000",
    "currency": "IDR",
    "description": "Testing",
    "otp": "999999",
    "referenceNumber": "0cd45935-3f7f-4de8-8fb6-48bd6f563e66"
  },
  "url": {
    "callbackUrl": "https://sandbox.finpay.co.id/simdev/finpay/result/resultsuccess.php"
  },
  "sourceOfFunds": {
    "type": "ddbri",
    "accountId": "card_<your_token>"
  }
}
```

### Body Response

#### `200 OK`

Returns `application/json`.

<table><thead><tr><th width="79" data-type="number">No</th><th>Name</th><th>Type</th><th>Mandatory</th><th>Description</th></tr></thead><tbody><tr><td>1</td><td>responseCode</td><td><a href="/pages/6ETR85uss1c5zyIS5Bhv">enum</a></td><td>M</td><td></td></tr><tr><td>2</td><td>responseMessage</td><td>string</td><td>M</td><td></td></tr><tr><td>3</td><td>referenceNumber</td><td>string</td><td>M</td><td>Reference number for tracking.</td></tr><tr><td>4</td><td>processingTime</td><td>number</td><td>M</td><td>Processing time in seconds.</td></tr><tr><td>5</td><td>traceId</td><td>string</td><td>M</td><td>Trace ID for debugging/troubleshooting.</td></tr></tbody></table>

**Sample Response**

```json
{
  "responseCode": "2000000",
  "responseMessage": "Request has been processed successfully",
  "referenceNumber": "e6440606-2007-46e5-acfc-731508be9bd3",
  "processingTime": 6.438631057739258,
  "traceId": "e6440606-2007-46e5-acfc-731508be9bd3"
}
```


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