RCS use case

OTP and verification messages on RCS

Deliver one-time passwords from your verified brand name, so users can tell a real code from a phishing message, with SMS as the safety net.

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A sender users can trust
Clear warnings in the message
Delivery data per code

Can OTPs be sent over RCS in India?

Yes. Businesses in India can send one-time passwords over RCS from a verified brand agent, so the code arrives under the brand's name, logo and verified mark instead of a header. Because RCS needs mobile data and an RCS-capable phone, OTP flows should use a short timeout that sends the same code by SMS when RCS is not delivered.

Updated 15 Nov 2026

Why use RCS for OTP and verification?

A sender users can trustThe verified brand name helps users recognise your code and spot messages that only pretend to be you.

Clear warnings in the messageRoom for a plain warning such as 'We will never call you for this code' alongside the OTP.

Delivery data per codeDelivery and channel status for each OTP show whether a failed sign-in was a delivery problem or a user problem.

How do you set up OTP and verification with RCS?

The user requests a codeYour app or website generates the OTP and calls the MsgClub API.
RCS is tried firstIf the number can receive RCS, the code goes from your verified agent.
SMS steps in quicklyIf RCS is not delivered within the short timeout you set, the OTP goes by SMS on your DLT template.
Events close the loopDelivered events with the channel used reach your backend, which can offer a voice OTP if neither arrives.

RCS templates for OTP and verification

Copy, edit and use these as a starting point.

Title: Your {app_name} login code
Body: {otp} is your code to sign in. It expires in {minutes} minutes. {app_name} will never call or message you asking for it.
Buttons: Not me? Report it

Payment verificationText with actions

Title: Confirm payment of ₹{amount}
Body: {otp} is your code to pay {merchant}. Do not share it with anyone, including our staff.
Buttons: I did not request this

OTP fallbackSMS fallback

{#var#} is your OTP to log in to {#var#}. Valid for {#var#} minutes. Do not share it with anyone. -{#var#}

Rich cards and buttons are set up per campaign in your MsgClub panel; text is editable.

Which industries use RCS for OTP and verification?

Banks, NBFCs and lendersHow do NBFCs and lenders use RCS messaging?See how

SaaS and subscription businessesHow do subscription businesses use RCS?See how

D2C and e-commerce brandsHow do D2C brands use RCS messaging?See how

Insurance companies and agentsHow do insurance companies use RCS messaging?See how

Broadband, ISP and DTH providersHow do broadband and DTH companies use RCS?See how

What are the best practices for OTP and verification?

Do this

Set a short RCS-to-SMS fallback timeout for OTPs, measured in seconds rather than minutes
Keep the code at the start of the body so it shows in the notification preview
Never put marketing content in an OTP message
Add a voice OTP as a last resort for users who receive neither message

What to measure

Share of OTPs delivered by RCS versus SMS fallback
Sign-in completion rate after an OTP request
Not me or report replies, as a sign of phishing attempts

Connect results to your CRM with the RCS API and webhooks. See how pricing works.

Questions about RCS OTP and verification

Is RCS reliable enough for OTPs?

Only together with SMS fallback. RCS needs mobile data and an RCS-capable phone, and some users will not have either at the moment of sign-in. Send RCS first if you like, but set a short timeout so the SMS OTP follows quickly when RCS is not delivered.

Why send OTPs over RCS instead of SMS?

The main gain is trust. The code arrives under your verified brand name and logo, making phishing messages that copy your OTP wording easier to spot. RCS also gives a channel and delivery status for each code. SMS remains the most universal route.

What fallback timeout should OTPs use?

Short, typically a matter of seconds rather than the minutes used for marketing or reminders. Users are waiting on a login screen. Test with your own users and set a timeout that keeps the total wait low even when RCS fails.

Does an RCS OTP need DLT registration?

The RCS message itself goes through your verified brand agent, but the SMS fallback is an ordinary SMS, so it needs your DLT entity, header and an approved OTP content template. Register them before launch so fallback works from day one.

Can iPhone users receive OTPs on RCS?

Some can. iPhone support for RCS business messages in India is partial, mainly on Jio since September 2026, and depends on the iOS version. Most iPhone users will receive the SMS fallback, which is why the fallback must be fast.

Should an OTP message include buttons?

A single safety button such as Not me? Report it is useful, because it gives users an easy way to flag a code they did not request. Avoid promotional buttons or links in OTP messages; they distract from the code and weaken trust.

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