[mixmastamyk]

I’ve found that many times when a service says this the system will work with any OTP program. They just don’t tell you specifically. Maybe they don’t know, think it’ll confuse, and/or prefer you didn’t.

[anticensor]

Not always, some countries actually require this to be sent over a bank-specific protocol.

[mixmastamyk]

“many times” is roughly equivalent to not always.