Hello! I understand that receiving the OTP (One-Time Password) late is preventing you from completing your BOC SmartPay transactions. Let's work together to get this sorted out quickly.

To help me assist you better, could you please tell me:

1. Are you experiencing consistent delays with OTPs or is it occasional?
2. Are you on a particular network provider (e.g., a specific mobile carrier)?
3. Have you tried any troubleshooting steps already, like restarting your phone or checking your network signal?

In the meantime, here are some basic steps that often help resolve OTP delay issues:

1. Check mobile network signal: Make sure you have good signal strength. Sometimes weak signals delay SMS delivery.
2. Restart your phone: This can refresh your network connection.
3. Confirm registered phone number: Ensure the mobile number linked to your BOC SmartPay account is correct and active.
4. Avoid message blocking services: Some phones or carriers have spam filters or blocking services that might delay OTP messages.
5. Try using Wi-Fi and then switching to mobile data: Rarely, network routing via Wi-Fi can affect OTP reception.

If these don’t help, there may be delays on the service provider side or mobile network issues which sometimes occur. Additionally, visiting the nearest BOC branch to verify your identity and registered contact number can help if the problem persists.

Could you try these and let me know how it goes? If needed, I can guide you through more advanced steps or escalate to BOC support.

Are you satisfied with the solution I provided so far?