What is Login with GoPay?

Login with GoPay allows users to sign in to a your application using their GoPay account. Authentication is handled by GoPay and uses built-in multi-factor authentication (MFA), including OTP, PIN, and face verification. After successful login and user consent, a secure token is returned to confirm the user’s identity.

Scenarios of Login with GoPay

Login with GoPay works using an input of a phone number. Based on that we are going to check if a GoPay account exists or not with it and each will have different result.

Scenario	Condition	Steps Required	Outcome
New User	GoPay account does not exist	OTP verification → Set display name	Account created + Linking Token issued
Existing User	GoPay account exists, no PIN set	OTP verification	Linking Token issued
Existing User with PIN	GoPay account exists, PIN is set	OTP verification → PIN verification	Linking Token issued
GoPay Plus User	GoPay account exists and is KYC-verified	Face Recognition (FR) only	Linking Token issued

Once the flow is completed, a Linking Token is returned — a permanent token that links the user's GoPay account to your platform. Store this token securely as it will be used for subsequent GoPay interactions on behalf of the user.

Note: The Linking Token is issued only upon successful completion of the required verification steps. Incomplete or failed flows will not produce a token.