What is OTP SMS?

A secure, time-limited text message containing a one-time password used to verify a user's identity during login, registration, or financial transactions.

OTP SMS (One-Time Password via SMS) is a cornerstone of digital security for businesses across banking, fintech, e-commerce, and healthcare. When a user initiates a sensitive action—such as logging in, completing a payment, or resetting a password—the system generates a unique numeric or alphanumeric code and delivers it to the user's registered mobile number. The OTP is valid for a short window (typically 30 seconds to 5 minutes) and can only be used once, making it highly resistant to replay attacks. OTP SMS is classified as transactional, meaning it bypasses DND restrictions and is delivered at any time. BhashSMS provides dedicated OTP routing with intelligent failover to ensure maximum delivery speed and reliability.

Frequently Asked Questions

Compliance

How long is an OTP SMS valid?

OTP validity is configured by the sending application, typically ranging from 30 seconds to 10 minutes. Most businesses use a 5-minute window to balance security with user convenience.

Speed

What is the difference between OTP SMS and 2FA?

OTP SMS is the delivery mechanism—it sends the one-time code via text message. 2FA (Two-Factor Authentication) is the broader security framework that uses OTP SMS as one of the verification factors alongside a password.

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Related Terms

Promotional SMS OTP DND Bulk SMS Sender ID SMS Gateway Priority Route TRAI 2FA

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