2Factor.in OTP API vs MSG91

2Factor.in OTP API plans

• StarterFree
• Growth₹4,999 a month
• EnterprisePriced on request

MSG91 plans

• SMS credits — 5,000₹1,250, paid once
• SMS credits — 16,500₹3,300, paid once
• SMS credits — 30,000₹5,400, paid once
• SMS credits — 60,000₹10,200, paid once
• SMS credits — 1,17,648₹20,000.16, paid once
• SMS credits — 4,50,000₹76,500, paid once

Pick 2Factor.in OTP API if…

It suits teams looking for a web-based OTP API, with a free sandbox plan for testing or paid Growth credits and seats. Enterprise may suit teams needing unlimited seats.

Pick MSG91 if…

MSG91 may suit businesses that send transactional texts or run SMS campaigns, and developers integrating messaging through an API. Its listed prepaid bundles are specifically for India-to-India SMS.