One-Time Passcode (OTP) serves as an additional barrier to protect every card from fraudulent transactions and has been rapidly adopted by many card issuers over the years.
If you want to shop online without using this OTP, I'll show you the steps you need to take to make this possible.
Is It Possible to Use a Credit Card Without OTP?
Yes, you can bypass the OTP verification on a credit card, but it will only depend on the situation you'll be facing. For example, when making offline payments, the card can simply be swiped to complete the transaction without the requirement for an OTP authorization. When making online payments through payment gateways that do not support OTP security.
How To Shop Online Without OTP
Shopping online shouldn't be a hassle if you have all what is required by the retailer to complete your purchases. However, if you don't have access to the card's mobile number you use to receive an OTP code, then you will want to know how you can shop online without OTP.
There are many ways to shop online without OTP some of which (the legal ways) have been listed below.
1. Add the Card to PayPal
PayPal is a the most used payment gateway and well-known worldwide for its top-notch financial services. PayPal lets you add your credit or debit card which you will use as a funding source for your transactions with PayPal.
PayPal lets you shop online without OTP — all you need to do is to create a verified PayPal account, link your card to PayPal and shop online wherever PayPal payments are accepted. You will not have to enter an OTP to shop online.
2. Shop at Stores that have Self-checkout
Self checkout systems let customers scan items and pay for their purchases without the help of store employees.
Local shopping centers with self-checkout machines are available in most large shopping malls. Simply go to the supermarket section and look for the self-checkout machine nearest the exit.
You'll be surprised at how quickly you can move through the entire buying process without disclosing any personal information. You can make an online bank transfer in seconds.
To ensure smooth and uninterrupted purchasing experience, keep your smartphone battery charged
This is a great option if you want to shop online but don't want to give out any personal information. A bank transfer can be done quickly and conveniently online.
3. Use Prepaid Cards for Online Shopping
Prepaid cards are the safest and fastest way to shop online without an OTP. These are similar to credit cards and debit cards. Prepaid cards, unlike credit cards, do not require a bank account to use. Here are some prepaid cards for online shopping that you can use.
4. Shop at Websites that Don't Require OTP
Shopping at stores that don't require you to use OTP is a great way to shop online without OTP. Websites such as Amazon, Aliexpress, Alibaba, Jumia let you shop online without OTP.
These sites might however, require you to provide your card's billing address alongside the card's basic information.
List of Websites that Don't Require OTP:
- BigBasket.
- Nearbuy.
- Grofers.
- Clovia.
- MakeMyTrip.
- Lenskart.
- Pepperfry.
- Dominos.
- My Gift Card Supply.
- Card Delivery.
How to Shop on Jumia Without OTP
Jumia is one of the giant retailers who let you shop online without OTP. They will however, require you to provide your card's basic information and billing address to order an item from them. In the case where you don't have your card's billing address, you can use a fake address generator to generate a billing address.
Here is how to shop on Jumia without OTP:
- Go to Jumia.
- Shop your favorite catalogs and add your items to your card.
- Proceed to checkout.
- Enter your card details and billing address.
- Complete your payment.
The process is as simple as that.
Can Someone Use My Debit Card Without OTP?
Yes. If the person uses your debit card on a website that don't require OTP, then, he might be able to deduct funds from your card without hassle. Some cyber criminals clone debit cards and use them to withdraw money from debit cards.
What to Consider Before You Shop Online Without OTP
When shopping online, you will be required to provide some information to verify your payment details. Some of them include a mobile number, address and email.
More importantly, your IP needs to be pointing to that of the credit card you are using to complete the payment because, most retailers use your IP to determine if the country from which you are completing the payment matches that of the card you are using. They might also require you to provide an address to show that you are in the country.
This is why, if you are using a credit card that you bought online, you will need to make sure you get all information concerning the card if not the card will simply be useless.
Nevertheless, if you already got the card and want to use the card to complete your transactions, then we got exactly what you need.
Below are some things to use when shopping online without OTP.
1. Use a VPN
It is important that your IP points to that of the card's location. Most popular retailers use your actual IP address to check if it matches that of the card you are using to complete the payment.
For instance, if you use a credit card issued by a provider in the United States on Amazon and your IP points to Canada, your payment method (card) may be declined.
For your convenience, here are some free premium VPN apps that change your IP to that of the card.
2. Use a Fake Billing Address
If you want to use a credit or debit card for shopping online and you don't have the real address of the card, then, using a fake billing address found in the same country as that of the card is what you should use. If required and you use a billing address that doesn't matches that of the card, then, the card may be declined by the merchant.
For your convenience, here are the best billing address generator to use right now.
3. Use a Virtual Phone Number
If asked to provide a phone number for the card, you will want to provide a number that is located in the country where the card was issued. This is just to increase your chances of getting your card approved by the merchant.
For instance, if your card was issued from the United States, you will need to provide a US phone number if asked. You can use a free real US phone number in this case.
Here are the best ways to get a free US number for verification.
4. Consider Your Card's Issuer Regulation
If your card issuers lets you use your credit or debit card without OTP, then, you can use the card to shop online without OTP. In this case, you may not face any hassle in using the card without OTP since your card issuer authorizes transactions without OTP.
Frequently Asked Questions
Can we do online transaction without OTP?
Yes, and the best way to do online transactions without OTP is by linking the card to a mobile wallet like PayPal.
How can I use my debit card online without OTP?
You can't actually complete debit card transactions without OTP online since it is directly linked to the bank account, which requires OTP to complete transactions.
Which payment method does not require OTP?
Google Pay Cards are the easiest payment methods that neither require OTP nor CVV.
Final Thoughts on How to Shop Online Without OTP
Shopping online is an important daily activity among international shoppers. When shopping online, you will be required to provide your card information including its address. Most sites however, don't require OTP to complete online payment.
Using a card that isn't your for online shopping can lead to legal penalties especially if caught by giant retailers such as Amazon. We highly recommend to use the legal ways to shop online without OTP and make sure the card is yours.