It's important to clarify that the OTP  itself is fully under the control of the issuing bank.

Xendit's responsibility lies in redirecting the merchant to the bank's OTP page, ensuring a seamless transition in the payment journey.

While Xendit ensures a smooth redirection to the OTP page, the next step in the process is crucial for cardholders facing issues during OTP verification. In the event of any challenges, Xendit advises the cardholder to contact the Issuing Bank directly