{"templateId":"openapi_docs","sharedDataIds":{"openAPIDocsStore":"oas-api-reference/index.yaml","sidebar":"sidebar-api-reference/sidebars.yaml"},"props":{"definitionId":"api-reference/index.yaml","dynamicMarkdocComponents":[],"baseSlug":"/api-reference","seo":{"title":"OTP","siteUrl":"https://docs.wise.com","projectTitle":"Wise Platform","description":"For phone-based OTP (one-time password) authentication — where an OTP is a single-use 6-digit code sent to verify the identity of a user — Wise supports multiple delivery methods, including SMS, WhatsApp, and voice. Use Wise's secure endpoint to [create](/api-reference/sca-otp/usersecurityphonenumbercreate) and register the end user's phone number. Then, call the trigger endpoints ([SMS](/api-reference/sca-otp/ottsmstrigger), [WhatsApp](/api-reference/sca-otp/ottwhatsapptrigger), [Voice](/api-reference/sca-otp/ottvoicetrigger)) to send an OTP to the registered number. Finally, submit the OTP via the verify endpoints ([SMS](/api-reference/sca-otp/ottsmsverify), [WhatsApp](/api-reference/sca-otp/ottwhatsappverify), [Voice](/api-reference/sca-otp/ottvoiceverify)) to complete the authentication challenge.\n\nPlease read the [SCA over API guide](/guides/developer/auth-and-security/sca-over-api) to understand how SCA integration works.\n","llmstxt":{"hide":false,"sections":[{"title":"Table of contents","includeFiles":["**/*"],"excludeFiles":[]}],"excludeFiles":[]}},"itemId":"sca-otp","disableAutoScroll":true,"metadata":{"subType":"openapi-operation"},"compilationErrors":[],"markdown":{"partials":{},"variables":{"rbac":{"teams":["anonymous"]},"user":{},"remoteAddr":{"hostname":"docs.wise.com","port":4000,"ipAddress":"216.73.217.105"},"lang":"default_locale","env":{"PUBLIC_REDOCLY_BRANCH_NAME":"main"}}},"pagePropGetterError":{"message":"","name":""}},"slug":"/api-reference/sca-otp","userData":{"isAuthenticated":false,"teams":["anonymous"]},"isPublic":true}