Before any lead or any identifier is sent to the lender, customer consent must be taken in terms of an OTP verification from the customer. For each credit report which is to be pulled a unique OTP verification must be done, which should have been done not before the last 24 hours before the credit report API is called.

POST /api/v1/service/generate_otp/

Sample payload is given below.

{
    "mobile": "<customer mobile number>",
         "country_code": "91",
         "type": "bureau_soft_pull"
}