Step 1: OTP payment option is available at billing counter for merchants who has integrated with Pluxee APIs. Step 2: Cashier at the billing counter will enter the Pluxee users registered mobile number and request for OTP. Step 3: Consumer will receive OTP from Pluxee as an SMS on their mobile which they needs to share at the billing counter. Step 4: Cashier at the billing counter will enter the OTP and transaction would be successful.