OTP facility sucks.

This is the umpteenth time I've struggled with FNB's OTP. I try to make a payment online. The Visa Secure payment tells me my OTP has been sent to my mobile. Yet I receive nothing. I click on request OTP again. Nothing. After about half an hour, sometimes even more, the sms'es start flooding my phone.<br> <br> The same thing has happened to me after I switched to OTP via e-mail option. Worked for a while, then one day nothing. Again got about 10 e-mails in a row an hour later. What the hell is the point of a OTP if I get it an hour later when I want to pay something? <br> <br> This is ridiculous and incredibly frustrating, especially when I want to pay / buy something time-sensitive like a daily deal. What if I'm overseas and I want to pay for something and I'm standing there waiting like an idiot?<br> <br> Come on FNB. This isn't 2000 anymore.