Tablet No.
PLOČA-HR-002
🇭🇷
HR
Carving date
2026-05-26
02
Tablet 02 of 08 · Banking
InscribedPushSMS

PSD2 SCA: OTP delivery for Croatian banks via A1, HT and Telemach

OSince joining eurozone (1 Jan 2023), Croatian banks fully implement PSD2 SCA with SMS or push OTP. Zagrebačka banka (UniCredit), Erste, PBZ (Intesa), OTP banka, HPB and Addiko. 4notify delivers OTP via tier-1 gateway with P50 <3s across A1 Hrvatska, Hrvatski Telekom and Telemach.
Context

OTP not arriving in 30s means abandoned transaction. At peak hours (salaries, end-of-month), delays compound on grey routes.

Legal framework
Uredba (EU) 2018/389 — RTS SCA

Two independent factors mandatory.

Zakon o platnom prometu (NN 66/2018)

Immediate customer notification on durable medium.

HNB Smjernica 12/2023

Eurozone instant payments + VoP verification since 2023.

Steps
01

Premium tier-1 routing

All OTPs go through tier-1 premium gateway — never grey route. Alphanumeric sender ID preserved, DLRs <2s.

02

Auto carrier detection

HLR lookup before dispatch classifies number into A1/HT/Telemach. Per-carrier stats in dashboard.

03

TTL and one-time use

Each OTP with 5-min TTL and one-time use.

04

Push fallback for bank app

If user has bank's official app installed, OTP first as encrypted push. SMS only if push fails.

Code
bash
curl -X POST https://api.4notify.net/v1/otp \
  -H "Authorization: Bearer $API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "purpose": "psd2_sca",
    "recipient": { "phone": "+385912345678" },
    "session_id": "TRX-HR-2026-39402",
    "transaction": { "amount": 89.50, "currency": "EUR", "merchant": "KONZUM ZAGREB" },
    "ttl_seconds": 300,
    "channels_priority": ["push", "sms"]
  }'
Sample message
SMS

ZABA: Code 482917. KONZUM ZAGREB 89.50 EUR. Never share. Valid 5 min.

Checklist
  • Local P50/P95 benchmark per carrier
  • Push fallback active for top 6 Croatian banks
  • SCA failure logging in bank audit log
What 4notify does differently

Premium tier-1 routing on all 3 Croatian carriers with P95 <6s and live per-carrier dashboard.

FAQ
What is P50/P95 in Croatia?

P50: 2.2s (A1), 2.3s (HT), 2.5s (Telemach). P95 <6s. Push fallback <1s.

Start free

14 days, no card. Support in Croatian and English.

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