99.9%
Delivery Success Rate
<10s
Average Delivery Time
24/7
Priority Routing
100%
TRAI Compliant
What Is Transactional SMS?
Transactional SMS is India's most regulated messaging service, exclusively for banking OTP delivery that completes customer-initiated financial transactions.
Under TRAI's TCCCPR 2018 regulations, only banks and RBI-approved digital wallets can send transactional SMS. These messages bypass DND, deliver 24x7, and receive priority routing through telecom networks—ensuring your customers' banking transactions never fail due to OTP delays.
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Banking OTP Only
Strictly for OTPs completing net banking transfers, credit/debit card payments, and high-risk banking actions. Login OTPs and app authentication use Service SMS routes.
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DND Bypass
Your banking OTPs reach customers even if they're on the National Do Not Disturb Registry—because financial security cannot be blocked by user preferences.
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Priority Delivery
Transactional routes get highest priority at operator level with redundant paths, automatic failover, and real-time monitoring to prevent transaction failures.
Why Choose TechTo Networks for Transactional SMS?
We specialize in compliance-first, enterprise-grade transactional SMS exclusively for banks and financial institutions.
Complete DLT Onboarding Support
Our compliance team handles your entire DLT registration—from entity verification to header approval and template registration. We know exactly what TRAI requires and ensure first-time approval.
Operator-Approved Transactional Routes
Direct partnerships with all major Indian telecom operators give us access to genuine transactional routes with guaranteed delivery SLAs—not grey routes that fail silently.
Sub-3 Second OTP Delivery
Our low-latency infrastructure delivers banking OTPs in under 3 seconds on average. Real-time delivery reports and automatic retry logic ensure zero transaction failures.
24/7 Dedicated Support
Banking doesn't stop at 9 PM—neither do we. Get instant support from our technical team via dedicated Slack channels, WhatsApp, and phone hotlines round the clock.
Real-Time Analytics Dashboard
Monitor delivery rates, failed messages, operator-wise performance, and peak traffic patterns through our enterprise dashboard. Export reports for compliance audits.
Banking-Grade Security
ISO 27001 certified infrastructure with encrypted API endpoints, IP whitelisting, webhook authentication, and audit logs that meet RBI's digital banking security standards.
Transactional SMS vs Service SMS vs Promotional SMS
Understanding SMS categories ensures compliance and optimal delivery for your use case.
Feature | Transactional SMS | Service Explicit | Promotional SMS |
|---|---|---|---|
Pricing | Premium (₹0.18-0.25/SMS) | Standard (₹0.15-0.20/SMS) | Economy (₹0.10-0.15/SMS) |
Template Strictness | Very high (exact matching required) | Medium (variable content allowed) | Low (creative flexibility) |
Use Cases | Net banking OTP, card payment OTP, fund transfer OTP | Login OTP, balance alerts, order confirmations | Sales offers, discounts, new product launches |
Priority Routing | Highest priority | Standard priority | Lower priority |
Delivery Window | 24×7 anytime | 24×7 anytime | 9 AM - 9 PM only |
DND Bypass | ✓ Complete bypass | Limited (implicit consent only) | ✗ Blocked for DND numbers |
Eligible Entities | Banks & RBI-approved wallets only | Most registered businesses | All registered businesses |
Purpose | Banking OTP for completing financial transactions | Notifications, alerts, non-banking OTPs | Marketing offers and campaigns |
Important: Login OTPs for mobile apps, e-commerce verification OTPs, and password reset OTPs do NOT qualify as transactional SMS. These must use Service SMS routes. Only banking transaction OTPs (NEFT, RTGS, IMPS, card payments) are eligible for transactional classification.
100% TRAI-Compliant Transactional SMS
We handle the regulatory complexity so you can focus on serving your customers.
DLT Registration
Complete onboarding on Vodafone, Airtel, Jio, and BSNL DLT platforms with entity verification
Header Approval
Alphabetic sender ID registration representing your bank brand with operator verification
Template Creation
Pre-approved message templates that pass TRAI's strict transactional category requirements
Ongoing Compliance
Continuous monitoring and updates as TRAI regulations evolve to keep you compliant
Developer-Friendly Integration
Start sending banking OTPs in minutes with our REST API, SMPP, or ready-made SDKs.
Our HTTP API is designed for banking-grade reliability with automatic retries, delivery webhooks, and comprehensive error codes. Enterprise customers can use direct SMPP connections for maximum control.
RESTful HTTP API
JSON-based endpoints with OAuth 2.0 authentication, webhook callbacks for delivery reports, and detailed error responses.
SMPP Connections
Direct operator connectivity for high-volume banks processing 10,000+ OTPs/hour with guaranteed throughput.
Ready SDKs
Official libraries for Node.js, Python, Java, PHP, and .NET with sample code and comprehensive documentation.
Features of Our TRANSACTIONAL SMS Service
High Priority Delivery
Time is money—especially when you're resetting a password mid-Zoom. Our system delivers OTPs instantly, no scenic routes—just fast, like a hot pizza at dinner time.
Custom Sender ID
Would you rather get a text from “AB123X” or “MYBRAND”? Thought so. With a custom sender ID, your customers immediately know it’s you—not some shady lottery scam from a distant galaxy.
24/7 Availability
Life doesn’t follow business hours anymore, and neither should your messages. Need to send a fraud alert at 2 a.m.? We’re awake. Unlike your friend who never replies past 9 p.m.
Detailed Reporting
We don’t just send and ghost. You’ll get detailed delivery reports and analytics, so you can see what’s working, what’s not, and what’s mysteriously “pending” for hours.
Secure and Compliant
Your messages go through encrypted, regulated channels that would make even a hacker break into a sweat. Plus, we stay on the right side of all the TRAI regulations—because nobody wants to mess with the telecom gods.
Automatic Failover
If primary route fails, our system automatically retries through alternate operators within milliseconds. Redundant routing prevents single points of failure in critical OTP delivery.
Frequently Asked Questions
Everything you need to know about transactional SMS for banks in India.
1. Who can use transactional SMS in India?
Only banks (nationalized, private, government, scheduled) and RBI-approved digital wallets are eligible to send transactional SMS. This is strictly enforced by TRAI regulations. E-commerce platforms, fintech apps, SaaS companies, and other businesses must use Service SMS routes for their OTP needs.
2. Can I use transactional SMS for login OTPs?
No. Login OTPs, app authentication codes, password resets, and KYC verification OTPs are classified as Service SMS (Implicit category), not transactional. Transactional SMS is exclusively for banking OTPs that complete financial transactions like fund transfers and card payments.
3.How long does DLT registration take?
With TechTo Networks' DLT onboarding support, most banks complete registration within 24-48 hours. This includes entity verification, sender ID approval, and template registration across all four major DLT platforms. Complex cases with multiple templates may take up to 72 hours.
4. What is the average delivery time for banking OTPs?
TechTo Networks delivers transactional SMS in under 3 seconds on average due to our direct operator partnerships and priority routing. During peak banking hours (10 AM - 3 PM), 95% of OTPs are delivered within 5 seconds. We provide real-time delivery reports for monitoring.
5. Do transactional SMS bypass DND (Do Not Disturb)?
Yes. Banking OTPs classified as transactional SMS are delivered to customers even if their mobile numbers are registered on the National Do Not Disturb Registry. This is because financial transaction completion cannot be blocked by user preferences.
6. Can I send transactional SMS at night or on holidays?
Yes. Unlike promotional SMS (restricted to 9 AM - 9 PM), transactional SMS can be sent 24×7 including nights, weekends, and public holidays. Banking transactions happen round-the-clock, so OTP delivery must be available anytime.
7. What happens if my transactional template is rejected?
Common rejection reasons include using login OTP language, mentioning app/website access, including promotional words, or incorrect category selection. Our compliance team reviews your templates before submission and rewrites them to meet TRAI requirements, ensuring first-time approval in most cases.
8.Can I include URLs or links in transactional SMS?
No. Transactional SMS templates cannot include website URLs, app download links, or any clickable elements. The message should focus solely on OTP delivery for transaction completion. Links are typically allowed in Service SMS but not in the transactional category.
9.What is your delivery success rate?
TechTo Networks maintains a 99.9% delivery success rate for transactional SMS through redundant operator routing, automatic failover mechanisms, and real-time monitoring. Failed messages are automatically retried through alternate routes within seconds to prevent transaction abandonment.
10.How is transactional SMS pricing calculated?
You pay only for successfully delivered messages (delivered to handset status). Pricing ranges from ₹0.18 to ₹0.25 per SMS depending on volume. There are no setup fees, monthly minimums, or hidden charges. Volume discounts apply for customers sending 1 million+ messages monthly.
11.Do you support SMPP for high-volume banks?
Yes. Enterprise and Custom plan customers get dedicated SMPP connections for processing 10,000+ OTPs per hour with guaranteed throughput. SMPP provides direct operator connectivity, lower latency than HTTP APIs, and maximum control over message flow.
12.Can TechTo Networks help with TRAI compliance audits?
Yes. Our Custom plan includes compliance audit support where we provide detailed reports of all sent messages, template registrations, DLT compliance status, and delivery logs that meet RBI's digital banking security standards and TRAI requirements.