PTT TELEGRAM · 4notify
No. BR-RS-002Date 2026-05-26
CONFIDENTIAL
02
Telegram 02 of 08 · Security
FiledSMSPush

PSD2 SCA: OTP delivery for online banking in Serbia

Although Serbia is not in the EU, NBS adopted PSD2 SCA-equivalent rules for online payments. 4notify delivers OTP via tier-1 international gateway with premium routing, preserving alphanumeric sender ID and P50 latency <3s across all three Serbian carriers (MTS, Yettel, A1).

Context

OTP that doesn't reach the user within 30s causes transaction abandonment. At peak hours, delays compound on grey routes.

Legal framework
NBS Odluka 23/2018 — Bezbednost online plaćanja

Requires two independent authentication factors for online payments above 30,000 RSD.

Zakon o platnim uslugama 139/2014 čl. 88

Immediate customer notification for every transaction.

Steps
01

Premium tier-1 routing

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

02

Automatic carrier detection

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

03

TTL and one-time use

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

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_equivalent",
    "recipient": { "phone": "+381641234567" },
    "session_id": "TRX-RS-2026-39402",
    "transaction": { "amount": 4500, "currency": "RSD", "merchant": "MAXI BEOGRAD" },
    "ttl_seconds": 300,
    "channels_priority": ["push", "sms"]
  }'
Sample message
SMS

YourBank: Your code: 482917. MAXI BEOGRAD 4,500 RSD. Never share. Expires in 5 min.

Checklist
  • Local P50/P95 benchmarks per carrier
  • Push fallback active for top 5 Serbian banks
  • Alphanumeric sender ID registered
What 4notify does differently

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

FAQ
P50/P95 in Serbia?

P50: 2.3s (MTS), 2.5s (Yettel), 2.7s (A1). P95 <6s. Push fallback <1s.

Start free

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

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