OTP SMS and authentication 2FA API for banking, fintech, apps, and health
Integrates SMS OTP and authentication 2FA on your systems using APIS. Send verification codes by SMS from flows of login, user registration, account recovery, or sensitive actions.
Technical check
SMS OTP for flows where the time and the identity imported
A page for teams that need to enable SMS verification without converting the OTP in a campaign manual.
Verification of users
Sends a verification code by SMS when a person registers, confirms or recovers access.
Authentication 2FA
Adds an additional layer of checking on accesses or sensitive actions.
Activation API
Your system is triggered by the real-time SMS from an app, web, backend or internal software.
Critical cases of access
Useful for validations of account, transactions, data changes or administrative access.
By sector
Four sectors, the same logic: event, API, SMS, and validation
The flow technician is similar, but change the time of use. That's why the message, the risk and the experience should be adapted to each environment.
Check for banking
SMS OTP as the main channel for flow of access, validation, and confirmation is defined by the architecture of the entity.
Use cases
- Validation of access to online banking.
- Confirmation of transactions initiated by the user.
- Account recovery verification or phone.
Practical benefits
- Activation from their own systems via the API.
- Your message brief and direct to concrete actions.
Authentication for fintech
SMS OTP as the main channel for validations fast on high, access, and sensitive actions within the flow-own product.
Use cases
- User registration and verification of your phone.
- Identity verification within a flow of its own.
- Confirmation of sensitive actions from the app.
Practical benefits
- API integration-oriented digital product.
- Use in specific moments of the path of the user.
Check for apps
SMS OTP as the main channel to validate number, activate account, login, or retrieve access in apps and web platforms.
Use cases
- Login with a temporary code.
- Check phone number.
- Recovery password or account activation.
Practical benefits
- Clear experience for end-users.
- Auto-shot from the backend or app.
Secure access to health
SMS OTP as the main channel for validations administrative, access to portals and confirmations without including confidential medical data.
Use cases
- Access to the portal of the patient.
- Confirmation administrative user.
- Check the phone systems of appointment or attention.
Practical benefits
- Brief messages without medical information is sensitive.
- Integration with internal software or web portal.
How it works API
From a user action to a SMS OTP sent automatically
SMS.es acts as a way of sending SMS. The generation, revocation, control attempts, and validation of the code depend on the client system.
The user initiates an action
Login, high, account recovery, operation of or access to a portal.
Your system generates or request the code
The backend logic is defined by the OTP, your expiration and validation rules.
Your backend calling the API SMS SMS.es
The message is sent over HTTP/HTTPS with the text and the recipient-defined for your system.
The user receives the SMS OTP
The code you reach the number indicated to continue the flow of verification.
Your system validates the code
The final decision to accept, reject, or ask for a new attempt is managed on your platform.
Flow technical
A simple flow for authentication SMS
The integration should be clear to the technical team and transparent to the end user.
Channels and scope
The focus of this page is SMS OTP API
SMS.es is part of a platform CPaaS more broad, but in OTP/2FA the main channel of this page is the SMS that is sent from the client systems via the API. Other channels can complement communications service according to use case, permissions, and availability, but should not be confused with the flow of OTP SMS.
For frequent actions
Moments where it can be activated an SMS OTP
Each card represents a trigger technical usual. The level of security will depend on the complete design of the flow.
Temporary code to validate the access in a controlled flow.
Number verification for user registration.
Additional validation before allowing the change of credentials.
Prior check in actions initiated by the user.
Confirmation that the number belongs to the registered user.
Validation before you modify important information of account.
Access code for portals administrative or private areas.
Additional check in flows with higher operative risk.
Temporary code to validate the access in a controlled flow.
Number verification for user registration.
Additional validation before allowing the change of credentials.
Prior check in actions initiated by the user.
Security practice
OTP by SMS for help, but does not replace, a secure architecture
The SMS OTP can add a layer of verification. The final security depends on how the client to design your authentication, validation, control attempts, expiration, and risk management.
Integration and technical team
Designed for development teams, integrators, and enterprises with their own systems
OTP/2FA by SMS fits when the shipment must be triggered from an action in real time, not from the campaign manual.
Choosing the right service
Not all sending SMS has the same logic
This page is for OTP/2FA. If your need is another, SMS.es has different services for campaigns, certification, conversation management or omnicanal.
Verification codes activated from systems, apps or backend.
See API SMSShipments to commercial or informational hearings authorized.
See SMS massCommunications with associated certificate when the case requires it.
See SMS certificateFlows where the user can reply to or initiate interaction.
See SMS two-wayCampaigns, contacts, and communications management, not OTP manual.
See platformGood practices
Recommendations for a flow OTP more clear
These guidelines are not a substitute for a safety review, but help you to better design the use of authentication SMS.
Frequently asked questions
FAQ about OTP SMS, 2FA SMS and SMS verification
A SMS OTP is a message with a code of a single-use, which is used to verify an action, an access or a phone number within a digital stream.
2FA via SMS is the use of a code sent by SMS as a second layer of verification, in addition to other factor such as password, or session started.
The flows OTP/2FA are designed to be integrated via the API, as they usually rely on real-time actions within an app, web, or internal system.
Your backend generates or manages the code and call the API SMS to send the message to the number of the user. You can review the documentation of the API SMS.
The generation, revocation, control attempts, and validation of the code depend on the client system. SMS.es is responsible for sending SMS using API.
Yes, you can be a part of flows of authentication, confirmation or verification defined by banks and fintech. The final configuration should match the architecture and requirements of each entity.
Yes. It is common to use SMS OTP for login, check telephone, account activation or recovery password in apps and web platforms.
Yes, in validations or administrative access to portals, always avoid include medical information is sensitive in the content of the SMS.
Technical documentation is available at developers.sms.es/docs/sms-https-api/.
OTP is integrated by API for codes in real-time. SMS mass is used for campaigns and communications to audiences. SMS certificate is used when it is required for a certificate associated with the communication.
You can contact with SMS.es is from the page contact to review your use case, technical scope and business needs.
Integrates SMS OTP in your flows authentication with an API written for companies
Active SMS verification for banking, fintech, apps, and health from your own systems, with technical and commercial support of SMS.is.
