One-time or rental
If the account only asks for a code at sign-up, a one-time number does the job.
Accounts that need logins on new devices or ongoing alert texts are better on a rental. Pick 3, 14 or 30 days, and texts that come in during the period collect in your dashboard.
When a team runs the accounts
All numbers and codes sit in a single tomnumber account. When the person in charge changes, you hand over that account, not anyone's phone.
With one number per account, a lockout on one leaves the rest untouched.
Before you start
Banks and payment services often run their own identity checks, so a phone code may not be the last step.
Whoever creates an account is responsible for following that service's terms.