A fintech does not get a second chance on a login code. If the OTP is late, the user assumes the app is broken and calls support — or worse, gives up on the transaction. SplitSMS treats OTP as a first-class endpoint with sandbox testing, HMAC-signed delivery webhooks, and multi-carrier failover, not a bulk-SMS feature bolted on for compliance.
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SMS for Banks, Wallets & Fintech
OTP for login and payouts, debit and credit alerts, new-device warnings — sent through routes built for the one message that cannot arrive late.
Every account event, one wallet
Login OTP, payout confirmation, debit and credit alerts, new-device sign-in warnings, and password resets all route through the same API key and Sender ID — so finance does not reconcile three SMS invoices for one product.
Routed for Ghana and cross-border transfers
MTN, Telecel, and international carriers across 190+ countries, with failover when a route degrades. Delivery webhooks tell your backend whether the code actually landed, so you can offer a voice-call fallback instead of guessing.
Frequently asked questions
- Is SplitSMS fast enough for login OTP?
- Routes carry multi-carrier failover so a code still lands if one network is congested. Sandbox keys let you measure real delivery time on your own numbers before committing production traffic.
- Can I separate OTP traffic from marketing SMS?
- Yes. Use dedicated Sender IDs and API keys per use case — carriers and customers both notice when promotional copy and one-time codes share an identity, so keep them apart from the start.