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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.
Credit card use without OTP makes a transaction risky, as anyone possessing it can use it to complete a transaction. The OTP delivery process adds an extra layer of security to authenticate a payment.
In case of a credit card OTP is not received, the customer must click ‘Resend OTP’ to generate a new OTP.
No, a credit card OTP generator generates a new OTP for each transaction, valid only for a few seconds.
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.
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