Definition
SMS authentication delivers a one-time code via text message as a login factor. It remains common for banking, billing, and legacy portals despite NIST guidance preferring stronger factors for high assurance.
Team workflows
Shared operational accounts often register a founder's phone—creating bottlenecks. MultiMFA SMS and shared SMS verification product pages describe team numbers with recipients.
Examples
- Shopify agency receiving store admin SMS OTP.
- Finance team sharing billing portal texts at quarter close.
