Credit Card OTP Generation
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OTP is a numeric or alphanumeric code a customer receives on their registered mobile number or email address to authenticate a credit card transaction.
When a cardholder initiates a credit card transaction, the credit card with an OTP generator generates an OTP to secure the transaction through two-factor authentication.
Credit card OTP numbers can be of two types: HOTP (event-based) and TOTP (time-based).
No, an OTP in a credit card transaction is not mandatory. It depends on the credit card company’s policy and implemented security measures.