Login codes and transaction alerts
Fintech & wallets
A wallet lives or dies on trust. If a login code is late, the user retries, gets two codes and gives up. If a debit alert never arrives, they call support — or worse, they don't notice fraud.
How SMSRay helps
OTP in one call
We generate the 6-digit code, send it, keep only its hash and check it for you. Codes expire after 5 minutes.
Abuse limits built in
60-second resend cooldown, 5 attempts per code, 3 codes per number per 10 minutes, and per-IP limits when you pass the user's IP.
Exactly-once alerts
Send each transaction alert with an Idempotency-Key. A retry from your side returns the original response instead of a second SMS.
Codes hidden in logs
Generated OTPs show as “(OTP hidden)” in the dashboard and API, so staff never see live codes.
Example messagesFintech & wallets
Messages · 98XX·XXX·XXX
YourWallet: 482913 is your verification code. Valid for 5 minutes. Do not share it.
Messages · 98XX·XXX·XXX
YourWallet: Rs 2,500 sent to 98XXXXXX21 on 10 Oct, 14:32. Ref TXN-58213. Not you? Call 01-XXXXXXX.