---
title: "One-time passwords"
description: "Generate and verify one-time passwords for secure authentication and verification flows."
canonical: "https://studio.inttegro.com/api/otps"
format: inttegro-machine-docs/v1
language: "cURL"
reader_profile: optional
reader_manifest: "https://studio.inttegro.com/machine/curl/readers/index.json"
reader_identification: "Optional: declare your client only if known and your current-session capabilities; use reader_manifest for supplemental recommendations."
preamble_estimated_tokens: 439
model_token_report: "https://studio.inttegro.com/machine/token-report.json"
preamble_questions: 5
preamble_source: "machine-only-decisions"
recommended_mcp_tools: []
estimated_tokens: 3668
token_estimate_method: "utf8_bytes_divided_by_4"
---

## Machine preamble

**Summary:** Generate and verify one-time passwords for secure authentication and verification flows. This cURL representation preserves HTTP paths and JSON wire names.

### Five questions

#### Q1. Is One-time passwords the right source for this task?

Use this reference for generate and verify one-time passwords for secure authentication and verification flows. Keep the four decision rules below with its exact operations and fields; do not infer a broader workflow from endpoint order.

#### Q2. Does a successful verify request prove the code matched?

**HTTP success is not proof that the code matched.** Verify returns a recorded
attempt for both matching and non-matching tokens. Continue the protected
action only when `verification_attempt.result.verdict` is `"pass"`.

#### Q3. How is verification bound to the initiated transaction?

**Bind verification to the initiated transaction.** Submit the returned
transaction ID, the same normalized recipient, and the customer-entered
token. Do not substitute a new recipient or infer success from delivery
status.

#### Q4. How should token material be handled?

**Treat token material as sensitive.** Initiation and lookup never return the
generated code. Do not log the submitted or presented token, include it in
analytics, or place it in model context.

#### Q5. What is the difference between delivery and verification?

**Distinguish delivery from verification.** Pending delivery means
transmission details may not exist yet; pending verification means the SMS
gateway or email provider accepted the message and the transaction awaits an
attempt. Use [Chimes](https://studio.inttegro.com/machine/curl/api/chimes.md) for ordinary messaging, not OTP delivery
semantics.

## Document content

# One-time passwords (OTPs)

Use One-Time Passwords (OTPs) to confirm that a customer controls a phone number
or email address
before you sign them in, change sensitive account data, or approve an action.
Inttegro generates and sends the time-limited code; your application should
continue only after verification returns a `"pass"` verdict.

## Authorize only from the verification verdict

The four decision rules are in the machine preamble above.

## The OTP transaction object

An OTP transaction represents one code from generation through delivery and
verification. Initiation and lookup responses never expose the generated code:
collect the code from the customer, then submit that value to the verify endpoint.

### Properties

- `cancel_reason` — `string`

  Explanation for why this transaction was canceled. Omitted unless
  `transaction.status` is
  `"canceled"`.

- `canceled_at` — `timestamp`

  When this transaction was canceled. Omitted unless
  `transaction.status` is
  `"canceled"`.

- `expires_at` — `timestamp`

  When this token expires and can no longer be verified.

- `full_message` — `string`

  The message template with the service name substituted and the token
  placeholder preserved as `'{token}'`. The token value is
  not included in this field.

- `id` — `string`

  Unique identifier for this transaction—use it to verify tokens and lookup
  transaction status.

- `initiated_at` — `timestamp`

  When this transaction was created and token generation began.

- `status` — `string`

  Current transaction status. Possible values are
  `"canceled"`,
  `"expired"`,
  `"pending"`,
  `"pending_delivery"`,
  `"pending_verification"`, and
  `"verified"`.
  `"pending_delivery"` means
  delivery-attempt fields are not available yet;
  `"pending_verification"` means the message
  was sent and the transaction is waiting for a verification attempt.

- `transmission`

  Delivery details for the OTP message. Recipient and sender are always present; attempt fields are omitted until delivery begins.

  - `transmission.recipient` — `string`

    Normalized international phone number or bare email address targeted by delivery.

  - `transmission.sender_id` — `string`

    SMS sender identifier or noreply@inttegro.com for email OTP.

  - `transmission.sent_at` — `timestamp`

    When the message was sent. Omitted until the delivery attempt.

  - `transmission.sent_via` — `string`

    Delivery mechanism: `"sms"` or `"email"`. Omitted until the delivery attempt starts.

  - `transmission.status` — `string`

    Delivery status: `"submitted"`, `"delivered"`, or `"failed"` for SMS. accepted means an email provider accepted the send, not that the inbox received it. Omitted until the delivery attempt.

## Initiate OTP transaction

Generate a one-time password, deliver it by SMS to an international phone
number or by email to a bare email address, and return a typed transaction
ID for verification.

### Required attributes

- `recipient` — `string`

  International phone number that will receive SMS, such as
  `+233241234567`, or a bare email address. The transport
  is inferred unless specified.

- `service_name` — `string`

  Service or application name substituted for
  `'{service}'` in the message template. Length: 2-20
  characters.

- `purpose` — `enum` — required

  Intent of the verification flow. Supported values are
  `account_creation`,
  `account_recovery`,
  `email_verification`,
  `financial_account_verification`,
  `password_reset`,
  `payment_confirmation`,
  `payment_method_verification`,
  `payout_confirmation`,
  `phone_verification`,
  `sensitive_action`,
  `sign_in`,
  `transaction_confirmation`, and
  `unspecified`. Unsupported values are rejected. Use
  `unspecified` explicitly for a general verification
  request.

- `token_size` — `integer`

  Generated token length. The current API requires a value from 5 through 10, inclusive.

### Optional attributes

- `async_delivery` — `boolean`

  When `false` or omitted, the request waits for the
  initial transmission attempt. When `true`, the
  transaction can be returned before transmission details are available,
  with status `"pending_delivery"`.

- `message_template` — `string`

  Custom SMS body or email copy. It must include
  `'{token}'` exactly once and can include
  `'{service}'`. Email sends it as the plain-text
  fallback and renders the copy around the code in a branded HTML layout.
  For email, custom copy overrides the purpose-specific default body, but
  the selected purpose still controls the subject and heading. If omitted,
  the API uses its transport-specific purpose-aware template.

- `sender` — `string`

  SMS sender identifier (3-12 characters). Email OTP always uses
  `'{service_name} <noreply@inttegro.com>'`; omit this
  field for email.

- `preferred_gateway` — `string`

  Optional SMS gateway. Do not supply it for email OTP; email uses the
  configured default provider.

- `transport` — `enum`

  Optional `"sms"` or `"email"`. A phone
  recipient selects SMS and an email recipient selects email when omitted.

- `token_alphabet` — `string`

  Custom alphabet for token generation. Pass a string of characters to
  use (for example, `"0123456789ABCDEF"` for hexadecimal
  tokens). Mutually exclusive with
  `token_alphabet_type`—use one or the other, not both.

- `token_alphabet_type` — `enum`

  Predefined alphabet type for token generation. Supported values are
  `"alpha"`,
  `"alphanumeric"`, and
  `"numeric"`. If neither alphabet
  field is supplied, the default alphabet is alphanumeric. Mutually
  exclusive with `token_alphabet`.

- `validity_duration_in_minutes` — `integer`

  How long the token remains valid. Accepted values are 3 through 10,080 minutes (7 days), inclusive. Defaults to 10 minutes.

The fully rendered SMS, including the generated code and substituted service
name, must be no longer than 120 characters; email text is limited to 2,048
characters. The transaction expires after its validity window even if
delivery is delayed.

For email OTP, send a bare email recipient and omit the SMS-only
`preferred_gateway` field. The
`'{service_name} <noreply@inttegro.com>'` From mailbox and
SES provider are selected automatically:

```json
{
  "recipient": "customer@example.com",
  "service_name": "Inttegro",
  "token_size": 6,
  "purpose": "sign_in"
}
```

The verification request uses the returned transaction ID, this same
recipient, and the code supplied by the customer.

### Response

With synchronous delivery, inspect `transaction.transmission.status`: `"submitted"`  means the SMS message was submitted for delivery, `"delivered"`  means delivery was confirmed, and `"failed"`  means the delivery attempt failed. For email, `accepted`  means SES accepted the send; it does not prove inbox delivery. **Request — POST /otp/initiate**

```bash
curl https://api.inttegro.com/otp/initiate \
  -H "Authorization: Bearer $INTTEGRO_API_KEY" \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: otp-login-67890" \
  -d '{
    "message_template": "Your {service} code is {token}.",
	"purpose": "transaction_confirmation",
    "recipient": "+233241234567",
    "sender": "Acme",
    "service_name": "Acme Bank",
    "token_alphabet_type": "numeric",
    "token_size": 6,
    "validity_duration_in_minutes": 10
  }'
```

```json
{
  "transaction": {
    "expires_at": "2026-08-28T10:10:00Z",
    "full_message": "Your Acme Bank code is {token}.",
    "id": "ot_<TRANSACTION_ID>",
    "initiated_at": "2026-08-28T10:00:00Z",
    "status": "pending_verification",
    "transmission": {
      "recipient": "+233241234567",
      "sender_id": "Acme",
      "sent_at": "2026-08-28T10:00:01Z",
      "sent_via": "sms",
      "status": "submitted"
    }
  }
}
```

## Verify OTP

Record a verification attempt for a user-submitted token. An HTTP 200
response means the attempt was recorded; it does not mean the token
matched. Authorize the user or action only when
`verification_attempt.result.verdict` is
`"pass"`.

### Required attributes

- `recipient` — `string`

  Phone number or bare email address that received the OTP. Must match the recipient and stored transport from initiation.

- `token` — `string`

  The OTP token submitted by the user. This is the code they received by SMS or email. Cannot be blank or whitespace-only.

- `transaction_id` — `string`

  Typed ID returned from `/otp/initiate`, in the form
  `ot_<TRANSACTION_ID>`.

The current transaction accepts at most five recorded attempts; after that,
initiate a new transaction.

### Response

Returns both `transaction` and
`verification_attempt`. The attempt contains
`verification_attempt.attempted_at`,
`verification_attempt.id`,
`verification_attempt.presented_token`,
`verification_attempt.recipient`, and
`verification_attempt.result`.
`verification_attempt.result.verdict` is `"pass"`  or
`"fail"`; `verification_attempt.result.detail` is omitted for
a passing result and explains a failed match when available. Treat
`verification_attempt.presented_token` as sensitive and
exclude verification request and response bodies from logs.
Matching and non-matching tokens both produce a successful response. Use
`verification_attempt.result.verdict` to determine whether
verification passed.

**Request — POST /otp/verify**

```bash
response=$(curl https://api.inttegro.com/otp/verify \
  -H "Authorization: Bearer $INTTEGRO_API_KEY" \
  -H "Idempotency-Key: otp-verify-67890" \
  -H "Content-Type: application/json" \
  -d '{
    "recipient": "+233241234567",
    "token": "<OTP_CODE_FROM_USER>",
    "transaction_id": "ot_<TRANSACTION_ID>"
  }')

jq -e '.verification_attempt.result.verdict == "pass"' <<< "$response"
```

A failed match still returns HTTP 200 with a `"fail"`  verdict. The API echoes the submitted value as
`verification_attempt.presented_token`; the example uses
a placeholder so no real code is exposed.

```json
{
  "verification_attempt": {
    "attempted_at": "2026-08-28T10:03:00Z",
    "id": "ov_<ATTEMPT_ID>",
    "presented_token": "<OTP_CODE_FROM_USER>",
    "recipient": "+233241234567",
    "result": {
      "detail": "token_mismatch",
      "verdict": "fail"
    }
  },
  "transaction": {
    "expires_at": "2026-08-28T10:10:00Z",
    "full_message": "Your Acme Bank code is {token}.",
    "id": "ot_<TRANSACTION_ID>",
    "initiated_at": "2026-08-28T10:00:00Z",
    "status": "pending_verification",
    "transmission": {
      "recipient": "+233241234567",
      "sender_id": "Acme",
      "sent_at": "2026-08-28T10:00:01Z",
      "sent_via": "sms",
      "status": "submitted"
    }
  }
}
```

## Lookup OTP transaction

Retrieve details of an existing OTP transaction by its ID. Check transaction status, delivery state, and verification status.

### Required attributes

- `transaction_id` — `string`

  Typed OTP transaction ID to look up.

### Response

Returns the transaction without the generated code or verification-attempt
history. Optional cancellation and delivery-attempt fields are omitted when
they do not apply.

**Request — POST /otp/lookup**

```bash
curl https://api.inttegro.com/otp/lookup \
  -H "Authorization: Bearer $INTTEGRO_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "transaction_id": "ot_<TRANSACTION_ID>"
  }'
```

```json
{
  "transaction": {
    "expires_at": "2026-08-28T10:10:00Z",
    "full_message": "Your Acme Bank code is {token}.",
    "id": "ot_<TRANSACTION_ID>",
    "initiated_at": "2026-08-28T10:00:00Z",
    "status": "pending_verification",
    "transmission": {
      "recipient": "+233241234567",
      "sender_id": "Acme",
      "sent_at": "2026-08-28T10:00:01Z",
      "sent_via": "sms",
      "status": "submitted"
    }
  }
}
```

## Related resources

- [Create customer](https://studio.inttegro.com/machine/curl/api/customers.md#create-customer) - Associate verified contact details with a customer record.
- [Send Chime](https://studio.inttegro.com/machine/curl/api/chimes.md#send-chime) - Send transactional SMS and email notifications after verification.
