diff --git a/crates/api_models/src/events/user.rs b/crates/api_models/src/events/user.rs
index 1d91a47bf56f..e9eb51570952 100644
--- a/crates/api_models/src/events/user.rs
+++ b/crates/api_models/src/events/user.rs
@@ -17,7 +17,7 @@ use crate::user::{
     ResetPasswordRequest, RotatePasswordRequest, SendVerifyEmailRequest, SignInResponse,
     SignUpRequest, SignUpWithMerchantIdRequest, SwitchMerchantIdRequest, TokenOrPayloadResponse,
     TokenResponse, UpdateUserAccountDetailsRequest, UserFromEmailRequest, UserMerchantCreate,
-    VerifyEmailRequest,
+    VerifyEmailRequest, VerifyTotpRequest,
 };
 
 impl ApiEventMetric for DashboardEntryResponse {
@@ -74,7 +74,8 @@ common_utils::impl_misc_api_event_type!(
     GetUserRoleDetailsResponse,
     TokenResponse,
     UserFromEmailRequest,
-    BeginTotpResponse
+    BeginTotpResponse,
+    VerifyTotpRequest
 );
 
 #[cfg(feature = "dummy_connector")]
diff --git a/crates/api_models/src/user.rs b/crates/api_models/src/user.rs
index 0dde73d0545a..7dbf867d1a0b 100644
--- a/crates/api_models/src/user.rs
+++ b/crates/api_models/src/user.rs
@@ -252,3 +252,8 @@ pub struct TotpSecret {
     pub totp_url: Secret<String>,
     pub recovery_codes: Vec<Secret<String>>,
 }
+
+#[derive(Debug, serde::Deserialize, serde::Serialize)]
+pub struct VerifyTotpRequest {
+    pub totp: Option<Secret<String>>,
+}
diff --git a/crates/router/src/core/errors/user.rs b/crates/router/src/core/errors/user.rs
index ddcd10c32e40..580e34ba7e81 100644
--- a/crates/router/src/core/errors/user.rs
+++ b/crates/router/src/core/errors/user.rs
@@ -66,6 +66,10 @@ pub enum UserErrors {
     RoleNameParsingError,
     #[error("RoleNameAlreadyExists")]
     RoleNameAlreadyExists,
+    #[error("TOTPNotSetup")]
+    TotpNotSetup,
+    #[error("InvalidTOTP")]
+    InvalidTotp,
 }
 
 impl common_utils::errors::ErrorSwitch<api_models::errors::types::ApiErrorResponse> for UserErrors {
@@ -169,6 +173,12 @@ impl common_utils::errors::ErrorSwitch<api_models::errors::types::ApiErrorRespon
             Self::RoleNameAlreadyExists => {
                 AER::BadRequest(ApiError::new(sub_code, 35, self.get_error_message(), None))
             }
+            Self::TotpNotSetup => {
+                AER::BadRequest(ApiError::new(sub_code, 36, self.get_error_message(), None))
+            }
+            Self::InvalidTotp => {
+                AER::BadRequest(ApiError::new(sub_code, 37, self.get_error_message(), None))
+            }
         }
     }
 }
@@ -205,6 +215,8 @@ impl UserErrors {
             Self::InvalidRoleOperationWithMessage(error_message) => error_message,
             Self::RoleNameParsingError => "Invalid Role Name",
             Self::RoleNameAlreadyExists => "Role name already exists",
+            Self::TotpNotSetup => "TOTP not setup",
+            Self::InvalidTotp => "Invalid TOTP",
         }
     }
 }
diff --git a/crates/router/src/core/user.rs b/crates/router/src/core/user.rs
index e01ed4b1a236..83cdd1d318bc 100644
--- a/crates/router/src/core/user.rs
+++ b/crates/router/src/core/user.rs
@@ -1642,3 +1642,65 @@ pub async fn begin_totp(
         }),
     }))
 }
+
+pub async fn verify_totp(
+    state: AppState,
+    user_token: auth::UserFromSinglePurposeToken,
+    req: user_api::VerifyTotpRequest,
+) -> UserResponse<user_api::TokenResponse> {
+    let user_from_db: domain::UserFromStorage = state
+        .store
+        .find_user_by_id(&user_token.user_id)
+        .await
+        .change_context(UserErrors::InternalServerError)?
+        .into();
+
+    if let Some(user_totp) = req.totp {
+        if user_from_db.get_totp_status() == TotpStatus::NotSet {
+            return Err(UserErrors::TotpNotSetup.into());
+        }
+
+        let user_totp_secret = user_from_db
+            .decrypt_and_get_totp_secret(&state)
+            .await?
+            .ok_or(UserErrors::InternalServerError)?;
+
+        let totp =
+            utils::user::generate_default_totp(user_from_db.get_email(), Some(user_totp_secret))?;
+
+        if totp
+            .generate_current()
+            .change_context(UserErrors::InternalServerError)?
+            != user_totp.expose()
+        {
+            return Err(UserErrors::InvalidTotp.into());
+        }
+
+        if user_from_db.get_totp_status() == TotpStatus::InProgress {
+            state
+                .store
+                .update_user_by_user_id(
+                    user_from_db.get_user_id(),
+                    storage_user::UserUpdate::TotpUpdate {
+                        totp_status: Some(TotpStatus::Set),
+                        totp_secret: None,
+                        totp_recovery_codes: None,
+                    },
+                )
+                .await
+                .change_context(UserErrors::InternalServerError)?;
+        }
+    }
+
+    let current_flow = domain::CurrentFlow::new(user_token.origin, domain::SPTFlow::TOTP.into())?;
+    let next_flow = current_flow.next(user_from_db, &state).await?;
+    let token = next_flow.get_token(&state).await?;
+
+    auth::cookies::set_cookie_response(
+        user_api::TokenResponse {
+            token: token.clone(),
+            token_type: next_flow.get_flow().into(),
+        },
+        token,
+    )
+}
diff --git a/crates/router/src/routes/app.rs b/crates/router/src/routes/app.rs
index 1560578f66f1..49a8e0631831 100644
--- a/crates/router/src/routes/app.rs
+++ b/crates/router/src/routes/app.rs
@@ -1199,7 +1199,8 @@ impl User {
                     .route(web::get().to(get_multiple_dashboard_metadata))
                     .route(web::post().to(set_dashboard_metadata)),
             )
-            .service(web::resource("/totp/begin").route(web::get().to(totp_begin)));
+            .service(web::resource("/totp/begin").route(web::get().to(totp_begin)))
+            .service(web::resource("/totp/verify").route(web::post().to(totp_verify)));
 
         #[cfg(feature = "email")]
         {
diff --git a/crates/router/src/routes/lock_utils.rs b/crates/router/src/routes/lock_utils.rs
index 5bef68073f0d..ee42cc50fe35 100644
--- a/crates/router/src/routes/lock_utils.rs
+++ b/crates/router/src/routes/lock_utils.rs
@@ -211,7 +211,8 @@ impl From<Flow> for ApiIdentifier {
             | Flow::AcceptInviteFromEmail
             | Flow::VerifyEmailRequest
             | Flow::UpdateUserAccountDetails
-            | Flow::TotpBegin => Self::User,
+            | Flow::TotpBegin
+            | Flow::TotpVerify => Self::User,
 
             Flow::ListRoles
             | Flow::GetRole
diff --git a/crates/router/src/routes/user.rs b/crates/router/src/routes/user.rs
index db12729d01a0..a901988e51e1 100644
--- a/crates/router/src/routes/user.rs
+++ b/crates/router/src/routes/user.rs
@@ -626,3 +626,21 @@ pub async fn totp_begin(state: web::Data<AppState>, req: HttpRequest) -> HttpRes
     ))
     .await
 }
+
+pub async fn totp_verify(
+    state: web::Data<AppState>,
+    req: HttpRequest,
+    json_payload: web::Json<user_api::VerifyTotpRequest>,
+) -> HttpResponse {
+    let flow = Flow::TotpVerify;
+    Box::pin(api::server_wrap(
+        flow,
+        state.clone(),
+        &req,
+        json_payload.into_inner(),
+        |state, user, req_body, _| user_core::verify_totp(state, user, req_body),
+        &auth::SinglePurposeJWTAuth(common_enums::TokenPurpose::TOTP),
+        api_locking::LockAction::NotApplicable,
+    ))
+    .await
+}
diff --git a/crates/router/src/types/domain/user.rs b/crates/router/src/types/domain/user.rs
index 00881626c1c6..45f5d74d6f60 100644
--- a/crates/router/src/types/domain/user.rs
+++ b/crates/router/src/types/domain/user.rs
@@ -4,7 +4,7 @@ use api_models::{
     admin as admin_api, organization as api_org, user as user_api, user_role as user_role_api,
 };
 use common_enums::TokenPurpose;
-use common_utils::{errors::CustomResult, pii};
+use common_utils::{crypto::Encryptable, errors::CustomResult, pii};
 use diesel_models::{
     enums::{TotpStatus, UserStatus},
     organization as diesel_org,
@@ -909,6 +909,32 @@ impl UserFromStorage {
     pub fn get_totp_status(&self) -> TotpStatus {
         self.0.totp_status
     }
+
+    pub async fn decrypt_and_get_totp_secret(
+        &self,
+        state: &AppState,
+    ) -> UserResult<Option<Secret<String>>> {
+        if self.0.totp_secret.is_none() {
+            return Ok(None);
+        }
+
+        let user_key_store = state
+            .store
+            .get_user_key_store_by_user_id(
+                self.get_user_id(),
+                &state.store.get_master_key().to_vec().into(),
+            )
+            .await
+            .change_context(UserErrors::InternalServerError)?;
+
+        Ok(domain_types::decrypt::<String, masking::WithType>(
+            self.0.totp_secret.clone(),
+            user_key_store.key.peek(),
+        )
+        .await
+        .change_context(UserErrors::InternalServerError)?
+        .map(Encryptable::into_inner))
+    }
 }
 
 impl From<info::ModuleInfo> for user_role_api::ModuleInfo {
diff --git a/crates/router_env/src/logger/types.rs b/crates/router_env/src/logger/types.rs
index b3252302413b..9ea86167fcf9 100644
--- a/crates/router_env/src/logger/types.rs
+++ b/crates/router_env/src/logger/types.rs
@@ -398,6 +398,8 @@ pub enum Flow {
     UserFromEmail,
     /// Begin TOTP
     TotpBegin,
+    /// Verify TOTP
+    TotpVerify,
     /// List initial webhook delivery attempts
     WebhookEventInitialDeliveryAttemptList,
     /// List delivery attempts for a webhook event