Hold

Reserves loyalty points for a pending transaction, typically in the context of a shopping cart checkout process. It retrieves the associated merchant and user based on the request details. It processes the cart items, ensuring their existence in the merchant's catalogue and constructing a redemption cart accordingly. It also determines whether OTP verification is required for the user, defaulting to the merchant's settings if not specified in the request. Subsequently, it attempts to hold the specified points for redemption, handling any potential redemption exceptions. Finally, it returns a success response containing details such as the tracking ID, the points utilized, the discount applied to the invoice, the type of discount applied (typically 'flat'), and whether OTP verification is required.