If you’ve ever used an online banking application to complete a transaction or gone through a checkout on an e-commerce platform, chances are you’ve utilized or interacted with an OTP-protected application.
One-Time Password (OTPs) are at the center of most multi-factor authentication (MFA) systems. OTPs are temporary codes delivered by SMS, email, authenticator apps, push notifications, etc. OTPs reduce the risk of credential theft, and they have become a standard requirement for online applications.
However, what strengthens security for users often creates complexity for operations. OTPs are unpredictable by design, which means they don’t fit neatly into traditional monitoring. Automated health checks expect repeatable logins, and OTPs deliberately prevent that. If you leave MFA out of your monitoring, you risk blind spots.
This article explores how to monitor OTP-protected applications effectively. We’ll cover the practical challenges across OTP types, examine two real approaches—simulating delivery vs. bypassing MFA for trusted monitors—and outline the guardrails that keep monitoring secure. The goal is to show how organizations can maintain both MFA strength for users and reliable visibility for operations (and some ways to do that with various tools, including Dotcom-Monitor).
Why OTPs Complicate Monitoring
Synthetic monitoring thrives on repeatability. OTPs are designed to resist it. Every code is unique, short-lived, and often delivered by third-party systems outside your control. That makes monitoring challenging, noisy, and at times impossible.
Push approvals exemplify this. A user logs in, the server triggers Apple Push Notification Service (APNS) or Firebase Cloud Messaging (FCM), and the authenticator app prompts for Approve. For the user, it’s seamless. For a monitoring script, it’s a dead end: there is no code to capture, and no way to virtually “tap approve.” Unless developers have provided a simulation endpoint that deterministically approves requests, push-based MFA cannot be synthetically tested.
SMS OTPs remain ubiquitous in financial services, healthcare portals, and government platforms. Monitoring here is feasible: provision a dedicated number, integrate with APIs such as Twilio or Vonage, fetch messages programmatically, and submit the OTP. This validates not just your app, but also the SMS gateway and carrier. However, the drawbacks are significant. Each message incurs cost, carrier reliability varies by geography, and delivery delays can trigger spurious alerts.
Email OTPs are the default for many SaaS providers who want to avoid telecom complexity. Monitoring can be set up with a dedicated mailbox accessed via APIs like Mailgun or SendGrid, or through IMAP/POP polling. This gives visibility into your SMTP infrastructure, mail queues, and spam filtering. But email introduces inherent latency and variability. A code can arrive in seconds one day and minutes the next. Greylisting, spam filters, or throttling can cause intermittent failures.
Time-based OTPs (TOTPs) are used by authenticator apps like Google Authenticator, Authy, or Microsoft Authenticator. Based on a shared secret and the current time, codes rotate every 30–60 seconds. Monitoring agents can generate these codes if they store the secret. Security teams, however, rightly raise concerns about keeping MFA seeds outside secure devices. Even if limited to test accounts, the risk requires careful mitigation with secure storage, strict scoping, and seed rotation.
Counter-based OTPs (HOTPs), also known as Hash-based One-Time Passwords (HOTPs), often tied to hardware tokens in regulated industries, are based on a shared secret and a counter that increments per use. Monitoring is theoretically possible if the counter state is tracked. But synchronization issues introduce complexity: one missed increment and every subsequent attempt will fail until resynchronized. That fragility makes HOTP an impractical basis for continuous synthetic monitoring.
This is why organizations must first clarify what question they are trying to answer.
Two Strategies for Monitoring OTP
Two monitoring objectives tend to get conflated:
- Delivery assurance: Can users actually receive OTPs through SMS, email, or another channel?
- Availability and performance: Can the application complete a login and proceed through critical workflows?
Both are valid. But they require different strategies. Trying to answer both with one test will yield unreliable results.
Strategy A: Simulate OTP Delivery
When the question is delivery assurance, the only answer is to simulate real user behavior. That means configuring your monitoring agents to capture OTPs from SMS or email.
For SMS monitoring, the standard process model is:
- Assign a dedicated number to your monitoring environment.
- Trigger a login, and capture the OTP with a provider API (Twilio, Vonage, Nexmo).
- Parse the message and submit the code.
This process validates the app, the SMS gateway, and the carrier network. It also gives you direct visibility into whether users are receiving timely OTPs. But it comes with tradeoffs: recurring per-message costs, inconsistent delivery times across carriers, and noise from transient telecom failures.
For email monitoring: configure a mailbox specifically for test accounts, and retrieve OTPs via API or IMAP/POP. This validates SMTP infrastructure, mail queues, and spam filtering. Monitoring agents confirm not just that the application sent an OTP, but that it was received. Again, however, variability is high. Messages may arrive quickly one moment and take minutes the next. Spam filters or greylisting introduce further unpredictability.
TOTP simulation is an option for test accounts when security teams accept the risk. Store the shared secret in a secure vault, generate codes with a library, and submit them. Mitigation strategies include restricting scope, frequent seed rotation, and dedicated non-production accounts. HOTP simulation is less practical due to counter synchronization challenges.
Push approvals cannot be simulated meaningfully without explicit developer support.
Key principle: Treat OTP simulation as a delivery validation, not an uptime monitor. Running SMS or email checks every five minutes will produce noise. Running them hourly or daily provides useful signals on provider health without overwhelming operations.
Strategy B: Bypass OTP for Monitoring Agents
When the question is availability and performance, OTP simulation is the wrong tool. Instead, you need a mechanism to allow trusted monitoring agents to complete logins without OTP, while keeping MFA mandatory for real users.
Preset HTTP headers are the simplest bypass. A monitoring agent includes a secret header, and the server interprets it as MFA complete. This is quick to implement, but it must be restricted to allowlisted IPs and stripped from all other traffic at the edge. Without those controls, it is a backdoor.
Signed cookies or JWTs are a stronger option. Monitoring agents present a signed token carrying an “MFA passed” claim. The server validates the signature and allows login. Tokens should be short-lived, scoped narrowly, and signed with rotated keys. This reduces forgery risk while supporting continuous monitoring.
Ephemeral OTP-exchange endpoints take this further. Monitoring agents authenticate (with API keys or client certificates), request a bypass token, and use it once. Tokens expire quickly and cannot be reused. This approach is highly secure but requires engineering investment to build and maintain.
Programmatic login APIs are common in API-driven applications. A dedicated endpoint returns a session already marked as MFA-verified. It should be strongly authenticated, excluded from public documentation, and scoped to monitoring accounts only.
Magic links offer another model. Monitoring agents request a single-use, short-lived URL that logs them in. Provided the links are unguessable and expire quickly, this is safe. However, links must be treated as credentials and any leakage is equivalent to credential compromise.
Whitelisted test accounts are the simplest bypass in practice. Certain accounts are exempt from OTP when accessed from monitoring IPs. This is easy to configure but carries the most risk. These accounts must be isolated, secured with strong unique passwords, and audited regularly.
Additional mechanisms are seen in the field. Session seeding with Cypress or Playwright allows pre-authenticated sessions or cookies to be loaded before navigation. This avoids OTP but requires careful session expiration management. In lower environments, reverse-proxy injection can automatically add bypass headers or cookies for requests from monitoring IPs. This is useful in staging but should never be extended to production.
Guardrails for Safe Bypasses When Monitoring OTP Logins
Bypasses are only acceptable if constrained by strict guardrails:
- Scope Tightly: Restrict bypasses to known monitoring IPs or networks. Enforce this at the CDN or gateway.
- Keep Artifacts Short-lived: Tokens, cookies, and headers must expire quickly and be rotated regularly.
- Separate Identities: Monitoring accounts must be distinct from production users. Never reuse credentials.
- Audit Continuously: Log every bypass attempt with metadata (account, IP, timestamp). Review logs regularly.
- Filter at the Edge: Strip bypass headers or cookies from all non-monitoring requests.
Without these practices, bypasses undermine MFA. With them, they become safe, auditable tools for reliable monitoring.
Operationalizing a Balanced Monitoring Approach
The most effective monitoring programs use both strategies:
Delivery validation: Low-frequency SMS and email simulations ensure users receive OTPs. They identify issues with carriers, gateways, or mail servers.
Availability validation: High-frequency bypass checks confirm the application is reachable and logins succeed without introducing noise from external providers. This dual approach ensures MFA remains fully enforced for real users while monitoring teams maintain complete visibility into availability and performance.
OTP Monitoring & Testing Tools
Integrating OTP simulations and bypasses in-house involves significant engineering time. Dotcom-Monitor provides different tools—specifically UserView and LoadView platforms—that play different but complementary roles in OTP monitoring.
UserView: The Continuous Availability and Delivery Assurance Tool
Dotcom-Monitor’s UserView is a web application monitoring platform designed to emulate real user interactions and continuously verify performance and uptime. This is where the OTP simulation and the bypass strategies are implemented.
- For OTP Delivery Assurance (Strategy A): With UserView (often referred to as EveryStep) you can record multi-step user journeys which including login processes. Within this tool, you can configure a step to wait for and retrieve the OTP sent via email. The platform handles the retrieval from a designated mailbox, gets the code, and inputs it into the form.
- For High Availability Monitoring (Strategy B): UserView excels at secure bypass method. For a time-based OTP (TOTP) scenario, the platform can store the shared secret key in an encrypted vault. During a test, the monitoring agent uses this key to generate the correct, OTP code and inject it into the login process. This bypasses the need for SMS or email delivery, enabling a reliable, noise-free test that runs frequently.
LoadView: The OTP Load and Stress Testing Tool
Dotcom-Monitor’s LoadView platform is built purposely for load and stress testing. It can simulate thousands of users to test an application’s performance and scalability under heavy traffic.
- For Capacity Testing: Before a major event, sale or product launch, an organization can use LoadView to simulate a massive user base attempting to log in at the same time. This test would reveal if the authentication servers and backend infrastructure can handle the peak load and detect potential points of failure before they impact real-world users.
- For Authentication Server Resilience: LoadView can be configured to specifically target the login endpoint. This uses either the OTP bypass strategy or a simulated OTP delivery for a more realistic scenario. This helps to ensure that even under stress, the authentication system remains responsive.
Future Considerations for OTP Monitoring
As MFA evolves, new models will present similar monitoring challenges. FIDO2 and WebAuthn are gaining adoption, using public-key cryptography instead of OTPs. These methods strengthen security but complicate synthetic monitoring even further. Bypasses will remain the practical solution, with delivery simulations shifting focus toward device enrollment flows rather than OTP delivery.
Organizations should design monitoring with flexibility in mind: MFA methods will change, but the need to balance user security with operational visibility will not.
Conclusion
OTPs are a permanent feature of modern authentication. They protect users, but they can also blind operations teams if monitoring strategies are not adapted.
The key is separation. Use OTP simulations sparingly to validate delivery providers. Use controlled, auditable bypasses for continuous availability monitoring. Combine the two, and you protect both your users and your visibility.
MFA is not going away. Neither is the need for monitoring. With the right balance, they can coexist without compromise.
With Dotcom-Monitor UserView, Ops teams can pick the right mix: validate OTP channels when needed, or run high-frequency checks through safe bypass paths. Either way, you’ll maintain both security for users and visibility for your operations team.