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One-Time Password (OTP)

What is One-Time Password (OTP)?

A one-time password (OTP) is a randomly generated code valid for a single authentication session or transaction, used as a second factor to verify a user’s identity.

A one-time password (OTP) is a single-use verification code — typically 4 to 8 digits — generated by a server and delivered to a user through SMS, email, WhatsApp, Telegram, or voice call. The code expires after a short window, usually 60 to 120 seconds, and cannot be reused. OTPs serve as the second factor in two-factor authentication (2FA), adding a possession-based check (the user’s phone) to a knowledge-based check (the user’s password). Businesses use OTPs for login verification, transaction confirmation, password resets, and account registration. The delivery channel matters: SMS OTP reaches any phone without internet, while app-based OTP (Telegram, WhatsApp) requires the user to have the app installed. Production OTP systems typically use cascade routing — trying the cheapest channel first and falling back to SMS if delivery is not confirmed — to balance cost and reliability. BSG’s 2FA solution supports OTP delivery across SMS, Telegram, WhatsApp, and voice with automatic failover.

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Useful Materials

Bulk SMS Marketing in 2026: Why Campaigns Now Run on WhatsApp API + SMS Cascade

Bulk SMS alone leaks budget. Verify the list, then run WhatsApp-first with SMS fallback.

One Voice Calls (OVC): Voice OTP vs SMS OTP — Which Is More Secure

SIM swaps jumped 1,055% in a year. Voice OTP takes your riskiest codes off the SMS rail.

Telegram OTP: How Businesses Use Telegram for One-Time Passwords (and When to Upgrade)

Telegram OTP is free — until it silently fails. Know the limits and when to add fallback.