Login and transaction OTPs
/v1/verify/send and /v1/verify/check. Codes are hashed; a check returns verified, expired, invalid, or max attempts.
SMS for banks & fintech
SMS for banks, fintechs, and payment apps in Ghana
For a fintech, an OTP that arrives late is a failed login, and a duplicated alert is a support ticket. Taysend keeps OTP on its own queue, hashes codes at rest, accepts an Idempotency-Key on every send, and signs every delivery webhook.
Use cases
What banks & fintech send with Taysend
Debit and credit alerts
Send type transactional with your own reference. Retries with the same Idempotency-Key do not double-send.
Loan and repayment reminders
Scheduled reminders from your backend through the same POST /v1/messages path as the console.
Reconciliation
Signed webhooks (t= and v1=) for delivery and wallet events. Dedupe on event id; replays carry the same id.
Examples
Messages you can copy
Units and cost are counted from the text, the same way the wallet bills it.
YOURAPP
Your YourApp code is 482913. It expires in 5 minutes. Never share this code, not even with our staff.
- Encoding
- GSM-7
- Characters
- 101
- Billed units
- 1
- Per recipient
- GHS 0.04
YOURAPP
Debit: GHS 120.00 to 024XXX3456 on 08/10 14:02. Bal: GHS 1,340.55. Ref TX88123. Not you? Call 0302 000 000.
- Encoding
- GSM-7
- Characters
- 107
- Billed units
- 1
- Per recipient
- GHS 0.04
Explore
Features used here
Each page answers a different question. They are not copies of this one.
FAQ
Straight answers
If something here is product behaviour, it matches the dashboard and the API.
01Is OTP traffic separated from bulk campaigns?+
Yes. OTP goes out on its own queue, so a marketing campaign cannot delay a login code.
02How do we avoid duplicate alerts on retry?+
Send an Idempotency-Key header with every POST /v1/messages. A retry with the same key returns the original message instead of sending again.
03Can we test without real SMS?+
Yes. sms_test_ keys send to simulated Ghana numbers and never reach a real handset. LIVE keys spend wallet balance.
Explore
Other industries
Each page answers a different question. They are not copies of this one.
Start in TEST
Send a TEST message before you go live.
TEST keys use simulated Ghana numbers. LIVE starts when your sender name is approved and the wallet has GHS.