š§¾ Why Didnāt I Receive an OTP During My Online Purchase?
In some cases, you might notice that no One-Time Password (OTP) is requested when making an online transaction using your SiFi card. This can happen with certain international merchants and does not always indicate a problem with your card or account.
š” Why OTP May Not Be Required
Not all merchants use OTP for online purchases. The security verification process depends on the merchantās payment gateway and their local security requirements.
Here are a few possible scenarios:
Merchantās System Does Not Support 3D Secure (3DS):
Some international websites or merchants process payments without OTP (non-3DS transactions).
Alternative Authentication Methods:
The merchant might use other verification mechanisms such as device fingerprinting or stored token authentication.
Subscription or Saved Card Payments:
Recurring or saved card transactions may not require OTP after initial authorization.
Merchant Country Regulations:
Certain countries have different payment security standards compared to Saudi Arabiaās local banking rules.
š Is My Transaction Still Secure?
Yes. Even when OTP is not triggered, these transactions are still protected by international card network security systems (Mastercard) and SiFiās fraud monitoring.
SiFi continuously tracks and flags any suspicious activity to ensure your account remains safe.
š§° What You Can Do
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Always verify that you are purchasing from trusted and secure websites (look for āhttps://ā).
If an unexpected charge appears, report it immediately via SiFi Support:
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You can also temporarily lock your card from the SiFi app if you suspect misuse.
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