OTP & 2FA
Solutions India
Deliver one-time passwords in under 3 seconds via SMS, WhatsApp, or Voice call. AES-256 encrypted. DLT compliant. Trusted by 500+ businesses.
OTP Delivery in 3 Simple Steps
From API call to verified user in under 3 seconds. No complex setup required.
User Enters Phone Number
Your user initiates login, checkout, or account action and submits their mobile number.
Ojiva Sends OTP Instantly
Your server calls our API. We route the OTP via the fastest available channel — SMS, WhatsApp, or Voice — in under 3 seconds.
User Verifies & Proceeds
The user enters the OTP. Your app calls our verify endpoint. Session granted — secure and seamless.
Send OTP on Any Channel
One API, three delivery channels. Automatic fallback ensures your OTP always reaches the user.
SMS OTP
The fastest, most universal channel. Reaches every mobile in India with no app required. Ideal for banking, e-commerce, and high-volume use cases.
- ✓ Sub-3 second delivery via direct telecom routes
- ✓ DLT registered transactional template
- ✓ Automatic fallback if primary route fails
- ✓ Supports 6–8 digit configurable OTP length
WhatsApp OTP
Higher open rates than SMS. Delivered inside WhatsApp with branded sender name. Perfect for consumer apps, fintech, and e-commerce with WhatsApp-first audiences.
- ✓ Meta-verified delivery with read receipts
- ✓ Branded business name & logo in notification
- ✓ Works even without cellular signal (Wi-Fi)
- ✓ Supports rich-text OTP message templates
Voice OTP
For users who cannot read SMS — elderly users, feature phones, or international numbers. A text-to-speech call reads the OTP aloud twice for clarity.
- ✓ AI TTS reads OTP in English, Hindi & regional languages
- ✓ DTMF confirmation option available
- ✓ Ideal for accessibility & elderly users
- ✓ Automatic retry if call not answered
OTP for Every Industry
From banking to gaming — secure verification drives trust across every sector.
Banking & Finance
Secure login, fund transfers, and transaction confirmations. TRAI & RBI compliant OTP delivery.
E-commerce
Account signup, checkout verification, and order confirmation OTP flows at any scale.
Healthcare
Patient login, prescription access, and teleconsultation authentication with encrypted OTP.
Education
Student onboarding, exam portal access, and parent verification with instant OTP.
Fintech & Payments
Wallet top-ups, UPI confirmations, and KYC verification via compliant OTP APIs.
Gaming & Apps
Phone-based registration, anti-fraud 2FA, and account recovery via SMS and WhatsApp OTP.
Integrate OTP in Minutes
A single REST endpoint handles send, verify, and retry — with SDKs for every major language.
- REST API with OpenAPI 3.0 spec
- SDK for Node.js, Python, PHP, Java
- Multi-channel fallback in one call
- Webhook for delivery & verification events
- 99.99% API uptime SLA
- Sandbox environment for testing
Enterprise-Grade OTP Security
Every OTP delivery is encrypted, compliant, and protected against spoofing and replay attacks.
AES-256 Encryption
Every OTP is generated and transmitted with AES-256-GCM encryption — the same standard used by global banks.
TLS 1.3 in Transit
All API calls travel over TLS 1.3. No OTP is ever sent over plain HTTP. MITM attacks are structurally prevented.
IP Whitelisting
Lock your API key to specific IP addresses. Only your servers can trigger OTP sends — no unauthorized access.
TRAI DLT Registered
All transactional OTP routes are DLT-registered per TRAI mandate. Zero non-compliant delivery risk.
Frequently Asked Questions
Everything you need to know about OTP delivery, compliance, and pricing.
What is OTP and why does my business need it?
OTP (One-Time Password) is a unique numeric or alphanumeric code generated for a single login or transaction. Indian businesses use OTP to secure logins, verify customer identity, authorise payments, confirm orders, and prevent fraud — it is a regulatory requirement for banking, payments, and most e-commerce flows.
Which channels can I send OTPs over?
Ojiva AI supports OTP delivery via SMS, WhatsApp Business API, and automated Voice calls. You can use a single channel or configure multi-channel fallback so that an alternative channel is tried automatically if the first one fails.
Is the OTP service DLT compliant?
Yes — our SMS OTP service is built around the TRAI DLT framework. We assist with sender ID registration, template approval, and consent flows so your transactional and OTP traffic is whitelisted on the DLT platform.
How is the OTP service priced?
OTP is priced channel-wise — SMS, WhatsApp and Voice each have their own per-event rate, with volume discounts on higher tiers. See the pricing page for current rates, or contact sales for enterprise volumes.
How do I integrate Ojiva AI OTP into my app?
A single REST API handles OTP generation, multi-channel delivery, and verification. Code samples are available so most integrations can be wired up by a developer in a short session.
Is my customer data secure?
All API traffic is encrypted in transit and at rest. OTP codes are never stored in plaintext — only verified against a hash, with automatic expiry and one-time-use enforcement. Detailed security and compliance documentation is available on request.
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Secure Your Users With Instant OTP
Sub-3-second delivery. 99.9% success rate. DLT compliant. Get a free API key and go live today.
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