Verify

OTP flows without the OTP plumbing

One endpoint that sends, retries and checks one-time passcodes across SMS, voice and email with built-in fraud throttling.

  • Automatic channel fallback (SMS → voice)
  • Rate limiting and velocity checks included
  • PSD2-compliant flows for payments
  • Zero code storage — we hold the state
POST /v1/verifications200 OK
curl https://api.bonnietec.com/v1/verifications \
  -u "$BONI_KEY:$BONI_SECRET" \
  -d to=+13035550164 \
  -d channel=sms \
  -d code_length=6