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Careful: International transection was successful without PIN or OTP.

NikunjP

TF Premier
VIP Lounge
Recently I have made international insurance payment (in AUD) without OTP or PIN or physical card. When transection was successful without OTP, I was frightened. No physical card was used, just card number & transection was successful. When I enquired to merchant she said, we don't need OTP, just card number is sufficient.

Has anyone experienced the same?
 
Recently I have made international insurance payment (in AUD) without OTP or PIN or physical card. When transection was successful without OTP, I was frightened. No physical card was used, just card number & transection was successful. When I enquired to merchant she said, we don't need OTP, just card number is sufficient.

Has anyone experienced the same?
India has added additional security to cards by using otp to prevent frauds. But that's not the case with other countries. International transactions doesn't require any OTP or pin. Don't worry just turn off your international transactions on your card until you need it.
 
Recently I have made international insurance payment (in AUD) without OTP or PIN or physical card. When transection was successful without OTP, I was frightened. No physical card was used, just card number & transection was successful. When I enquired to merchant she said, we don't need OTP, just card number is sufficient.

Has anyone experienced the same?
International transactions require only CVV, OTP is not required.
That's why always use PayPal when available.
 
Till a couple of years back, all CCs were issued with Intl Trxns enabled state. But, NOW all CCs are issued with that option in disabled state - as per RBI's guidelines. User must activate his CC by setting up various options - including Intl Trxns online, Intl ATMs, Intl POS..... besides the domestic settings.

In our own interest, these Intl usage should be in disabled condition - till we actually need to do an Intl Trxns.
 
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