There’s nothing for users to remember, and friction is minimal they just need to be in possession of a device linked to their phone number. iOS and Android devices even auto-fill passcodes with a simple permissioning click. In this instance, users receive a text with a unique code that unlocks access to the payment information associated with their Square account, allowing them to complete a purchase. Anyone who has placed an online order with a business that uses Square as its point of sale system, for example, has interacted with SMS passcodes. It’s true that SMS passcodes are very convenient, and many users are familiar with them. If you’re familiar with SMS one-time passcodes (another great passwordless solution for most use cases), you may be wondering why you would opt for TOTP instead. Once the user supplies the TOTP code, developers can use Stytch’s /totps/authenticate endpoint to verify that passcodes are valid and, ultimately, grant users access. Users, who must have an authenticator app downloaded on their device, are asked to input the unique passcode within a certain period of time, usually 30 seconds, as evidence of their identity. It works by generating a one-time passcode that’s based on the current time and a shared secret between an authenticator app like Google Authenticator and the server (in this case, Stytch). When integrated as a second authentication factor, TOTP serves as an additional safeguard by requiring users to prove possession of their device. With Stytch, developers can now embed TOTP into their authentication flows in minutes rather than months. TOTP authentication solutions are ideal for particularly sensitive use cases that are also highly attractive to attackers in terms of the potential payoff they offer–think money movement in fintech or cryptocurrency spaces or access to a company’s HR or payroll information.
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