Google Pay Cards – Easy Payments with no CVV or OTP (2024)

FAQs

Which payment gateway does not require OTP? ›

Google Pay Cards – Easy Payments with no CVV or OTP.

Using secure payment gateways:

Certain payment gateways, like Google Pay or Visa Safe Click, offer the option of making transactions without requiring an OTP under specific conditions.

CVV codes are linked to your card's chip, so you only need them online. For card-present transactions (transactions where you physically swipe, insert, or tap your card), you don't provide the CVV code separately since the card's strip or chip provides the same information.

Unless it is conducted via a payment gateway, an OTP is not used as a second level of security for completing the transaction. Additionally, for offline transactions, an OTP will not be required as all one may need to do is swipe their credit card and enter the 4-digit PIN.

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The most common alternative to OTP is an authenticator app that requires the user to obtain a password from another application on the phone. Service providers have developed other options as well like tokens within the mobile app. While this establishes the provenance of the message, it still needs a phone.

However, some debit cards may not have a CVV number printed on the back. In such cases, you may still be able to use your debit card for online purchases by entering your card number, expiration date, and billing address. Some merchants may also ask for additional information, such as your name and card type.

Most card issuers use a three-digit code on credit and debit cards, including VISA, Mastercard, and Discover. But American Express uses a four-digit CVV. Each CVV is unique to the card and account holder, meaning there's no universal CVV code.

Can you use a credit card online without security code? ›

When you make credit card purchases online or over the phone, you'll often need the card's security code to complete the transaction. The security code helps to protect you from credit card fraud and serves as a safeguard against unauthorized transactions.

The CVV number is on the actual card. It is to protect card owners from fraud. If you don't have the physical card you can't “figure” out your cvv.

It's important to note that CVV numbers are not a requirement for processing an online credit card purchase. It is up to the retailer whether to ask this question as part of the transaction process as an added measure of security. There are several reasons why a retailer may not ask for the CVV.

It's absolutely legal for retailers or service providers to ask for your card's CVV code when you're making a purchase. A merchant can't complete the card verification process without one. So if you're making card-not-present purchases, you can expect to be asked to provide your card's CVV code each time.

The easiest way is to use a third-party payment processor such as PayPal or TransferWise. By using their services, you can add your card information and send the amount you want to the other account without any extra verification.

Yes. The OTP has been introduced as additional safety feature for domestic transactions using credit or debit cards in India because of RBI. International transactions don't attract RBI diktats and thus there is no need for OTP.

Hence, if the unauthorized user does not have your cell phone, it is challenging to complete the transaction without the one-time password algorithm. An OTP is the second step for two-factor authentication for any online transaction after you have entered your login and password credentials.

Transaction Authorization: OTP is often required to authorize high-value transactions or certain types of financial transactions, such as fund transfers, bill payments, or setting up new beneficiaries. This additional layer of authentication helps prevent unauthorized transactions and reduces the risk of fraud.