OTP for NGO Donor Verification in India
How NGOs in India use OTP for donor sign-up, recurring-donation e-mandate, 80G receipt issuance and audit-grade record keeping under FCRA and Section 80G rules.
StartMessaging Team
Engineering
Donor experience is what separates a one-time gift from monthly giving. OTP plays a quiet but essential role: confirming the donation was real, gating recurring e-mandate consent, and producing the receipts donors need at tax time.
Why NGOs Need OTP
- Donor identity confirmation.
- e-Mandate registration for recurring giving.
- 80G certificate dispatch.
- Audit trail for FCRA-eligible donors.
Donor OTP Flows
- Donor sign-up / email-claim OTP.
- One-time donation confirmation SMS.
- e-Mandate authorization OTP for recurring giving.
- 80G PDF receipt link SMS.
- Cancel-recurring OTP.
Recurring-Donation e-Mandate OTP
Recurring giving uses NPCI’s e-NACH or eMandate flow. The OTP is issued by the donor’s bank, not your NGO. Your job is to:
- Display amount, frequency and beneficiary clearly.
- Capture the consent screen for audit.
- Send a transactional confirmation SMS afterwards.
80G Receipt Issuance
On donation success, send a transactional SMS with a one-tap link to download the 80G receipt PDF. Include the financial year and donation ID in the SMS body.
FCRA Donors and Audit Trail
- Foreign donors fall under FCRA — separate bank account, separate audit trail.
- OTP/SMS audit logs are admissible in FCRA reviews.
- Retain (donorId, donationId, OTPrequestId, timestamp) for 7+ years.
FAQ
StartMessaging works for NGO sign-up, confirmation and 80G dispatch SMS — pay-as-you-go means even a small NGO can run professional-grade donor comms without monthly minimums.
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