---
title: "Submit user OTP"
method: POST
path: "/v1/checkout/user-card"
tags: ["Charge"]
---

# Submit user OTP

`POST /v1/checkout/user-card`

Use this endpoint to submit the user OTP send to the user's mobile number. This will result in the user's card being saved for later use.

## Request body

- CheckoutSubmitUserOTPRequest
  - `orderReference` string, required — order reference
  - `phoneNumber` string, required — customer's phone number
  - `otp` string, required — otp send to the customer's mobile phone

## Response `200`

OK - your request was successful.

- object
  - `code` string, required — Response Code
  - `description` string, required — Response description
  - `data` CheckoutDataResponse, required
    - `success` boolean, required — true is the transaction was successful
    - `message` string, required — details response message

## Other responses

- `400` — The request body sent by merchant did not pass the validation checks
- `401` — The access_token provided to access the resource is missing or invalid.
- `403` — The client does not have the permissions to access this resource
- `404` — The record that the client is trying to access does not exist.
- `429` — The client has maxed out the number of calls within a time period on this resource.
- `500` — Downstream system error.

---

[API](https://skmtc.net/nomba/apis/vendor-api.md) · [All operations](https://skmtc.net/nomba/apis/vendor-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/nomba/vendor-api/versions/41727ac9be5f/schema)