Do Cranswick supply Tesco?
The use of One-Time Passwords (OTP) has become a fundamental security layer for credit card transactions, particularly in the realm of online commerce. When you perform an online transaction, the standard security features, such as the Card Verification Value (CVV), are essentially static information that can be compromised if an unauthorized party gains access to your card details. To mitigate this risk, banks and financial institutions implement an OTP system as a form of Two-Factor Authentication. Once a transaction is initiated, the bank sends a unique, time-sensitive code—typically a four to six-digit number—to the cardholder's registered mobile phone number or email address. This code must be entered into the payment gateway to authorize the transaction. If the code is not entered, is entered incorrectly multiple times, or expires, the transaction is declined. This serves as a vital safeguard because even if a criminal possesses your physical card or its number, they cannot complete an online purchase without access to your personal mobile device or registered email, which is significantly more difficult to breach. While this practice is near-universal for online transactions in many global markets, some offline, "card-present" transactions (like swiping at a terminal in a physical store) may not always require an OTP, depending on the region and the security protocols of the merchant's payment infrastructure.
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