Public-Sector Logins Secured via Low-Cost SMS OTP API in Node.js 2FA Setup
A developer guide describes using a dedicated SMS one-time-password API for two-factor login in a Node.js public-sector appointment application, keeping the provider from storing or matching codes. The application still handles expiry, resend timers, attempt lockouts, consent, and monitoring. The article argues that SMS costs scale with message sends, so reducing unnecessary resends and abuse matters more than the per-message rate. It recommends keeping a separate append-only audit record of each access decision, without storing codes, message bodies, or bearer tokens. A Go example shows how to check the provider's live API schema while handling rate limits with backoff.
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