Financial Services & Fintech

OTP, transaction alerts and secure messaging for banks, payment companies and lenders
Customers trust the messages that protect their money. 23 Telecom sends one-time passwords, transaction confirmations and fraud alerts by SMS to 230+ countries through an API built for security: API keys with optional HMAC request signing, signed webhooks and a carrier delivery report for every message.
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Security in every message

Verified logins and payments, with a delivery record for every code.

  • OTP and two-factor authentication

    Logins, payments, new payees
    Send one-time passwords when customers log in, approve a payment, add a payee or change their details. Every request returns a result for each number, and every code gets a carrier delivery report, so your support team can see exactly what happened to it.
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  • Transaction and fraud alerts

    The moment it happens
    Confirm card payments, transfers and withdrawals, and warn customers about suspicious activity as it happens. Alerts go out through a single REST endpoint, and delivery events reach your systems in real time through HMAC-signed webhooks.
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  • Security built into the API

    Signed requests and webhooks
    Authenticate with an API key and add HMAC request signing for high-security environments. Webhook payloads are signed too, so your systems can verify that every delivery report came from us. A malformed request is rejected as a whole, never half-sent.
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  • Reminders, notices and reporting

    Payments due, KYC steps, statements
    Remind customers about payments due, missing KYC documents or new statements, and keep contact data clean with HLR lookup. Daily and per-country statistics and a full message history with CSV export make reporting to your compliance team straightforward.
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Codes you can trace
From request to handset
Delivered, undelivered, rejected or expired: never a guess.
Real-time alerts
Payments, transfers, logins
Keep customers informed at every step.
HMAC signing
Requests and webhooks
Verify every call in both directions.
Exportable history
Daily and per country
Message history and statistics in CSV for audits and reviews.

Other industries

iGaming & Online Betting

OTP, payment alerts and player messaging for casinos and sportsbooks.
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Let's talk about your messaging

Tell us your countries, volumes and use case, and our team will get back to you with the right setup.

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