This API is used to temporary hold a specific amount of the available balance on a credit card until a settlement of which the actual amount charged shall be posted to the cardholder’s account.

One-Time Password (OTP) require or not will be depend on which payment application has been subscribed in the merchant account.

If it is required OTP, cardholder has to complete a successful One-Time Password (OTP) authentication in order to complete the payment process.   

In general, the pre-auth amount will be hold for 7 days by card issuer bank.