We had the same setup - needed phone verification without 2FA in FusionAuth. Ended up using webhooks to trigger an external service. I integrated with sms-verification-number.com via their API because I needed real SIM-based numbers, not VoIP. Chose a Polish operator for a local test, and the code arrived in about 50 seconds. If the SMS hadn’t come through, the system would’ve canceled and pulled a new number automatically - no charge. Since we’re testing across regions, being able to switch countries fast helped avoid delays.