OTP Meaning and How It Works

If you’ve ever received a short verification code before completing a payment or signing into an app, you’ve already used an OTP! But what’s the full OTP meaning?

In this article, we explain what OTP stands for, how it works, and how businesses can send one-time passwords securely through channels like SMS, WhatsApp, RCS, and Viber using LINK Mobility’s SaaS solutions or APIs.

What OTP means and why it matters

OTP stands for One-Time Password. It’s a temporary, single-use code designed to confirm a user’s identity for one login, transaction, or verification attempt.

Unlike regular passwords, which can be reused or stolen, OTPs are generated in real time and expire after a short period. This makes them a cornerstone of two-factor authentication (2FA) and strong customer authentication (SCA).

In short, OTPs add an extra layer of protection between your users and potential fraud, while keeping the experience simple and familiar.

How OTP works

When a user tries to log in or confirm a payment, the system automatically creates a random code that contains numbers. The length and format depend on the level of security required.

This one time password is then sent through the selected channel such as SMS, RCS, WhatsApp, or Viber. The user enters the code in the app or website, and once it is verified, access is granted.

The process is quick, secure, and compatible with almost every device, offering a smooth experience for users and reliable protection for businesses.

Typical OTP use cases

One time passwords are used in many different situations where an extra level of security is needed. From logging in to confirming a payment, OTPs help businesses protect users and prevent fraud while keeping the process simple and familiar.

OTP delivery across multiple channels

Today’s users are active across many messaging apps, and businesses need to meet them where they are. LINK Mobility enables OTP delivery through SMS, WhatsApp, RCS, and Viber, giving you the flexibility to choose the best channel for your audience.

SMS OTP

This is the most common and reliable option. SMS works on every mobile device and does not require an internet connection.

• Global reach and instant delivery

• Works on all devices

• Easy integration with the MyLINK SMS API

WhatsApp OTP

WhatsApp is ideal for customers who prefer to communicate through apps. It offers a trusted and branded experience with verified business accounts.

• More than two billion global users

• Secure and verified sender profiles

• Delivery and read receipts

RCS OTP

RCS, also known as Rich Communication Services, enhances traditional SMS with visual and interactive features that create a modern experience for Android users.

• Rich messages with buttons and branding

• Encrypted communication

• App like experience in the native inbox

Viber OTP

Viber is widely used in Europe and Asia and provides a secure and cost efficient way to reach users across different markets.

• Verified business accounts

• Global coverage

• Multimedia OTP messages

The short answer to OTP meaning

OTP means One Time Password, a temporary code that verifies a user’s identity in a fast and secure way.

It is a simple and universal layer of security that customers already understand, and when powered by LINK Mobility, it is available on every major messaging channel at global scale.