obaataaokpaewu:
It shouldn't be so. What if someone uses another person's card on the site without permission?

Some middleman payment sites ask for Security only. Some ask for pin. It varies tho..

You're still protected by your OTP in the end

Xisnin:

Are you willing to try it on your card?
If a website is requesting for OTP, it must be a reputable website, however , there are millions of websites
on the internet which will not ask for OTP, they don't even need your pin. I am speaking from experience.

That is true, each merchant aka website decides what information they need from the card in other to initiate a transaction....The truth is, the bank is not in the picture here, when a merchant initiate a debit to them on your behalf. You only get OTP when you are interacted directly with the bank site or a compatible vendor.

I know this first hand, because am a merchant and accepts credit cards, I program my website backend on what parameter to collect from the individual wanting to make payment e.g. PIN, Address Info, etc and I can also lock out specific IP addresses or geo locations from making any transaction or even decide not to accept the card is the place it is been used is farther from where the card was issued, I can also delay the frequency of use or time interval between use and also max amount and can also decline the card base of fraud score, etc.

Sometimes, I lock out legitimate customers and they usually call me and a relax the security momentary so that, they can go through or if they give me the last four digit of their card, I can manually authorize the captured transaction at the backend...usually these transaction stay for three days before falling off.

Childofaking:
@ op
ATM cards are not credit cards, they are debit cards.

Agree, The OP is mixing Credit Card with Debit card...but generally, all cards that can be used on an ATM are called ATM cards and credit & debit card fall into that category.

The OP talk about withdrawing money with your card or someone stealing your money from your card, when his title is talking about credit card. We all know that in the Nigeria context, you cannot withdraw money from a credit card, this is only available via a debit card. In the western hemisphere a portion of your credit card limit is available as 'cash advance' against which you can make cash withdrawal but at a higher APR with zero grace period.

Christaks:



Aliexpress doesnt askd for PIN or OTP, jst card details...

bro, may I ask wish bank offered you the ATM you are using on Aliexpress, because mine is not working on it

omoguess:


My dear, Dnt be too sure. You are completely WRONG!!!
I Hve a gtb token, movie app and I use their USSD banking as well. I shop regularly on ASOS.Com and EBay and I Hve NEVER used my token or OTP. So the fact that some site ask for token does nt mean that all site does. You can try and shop at ASOS. Come and give us feed back. Meanwhile shop for amount below 200usd.

Don't mind those ones.
My ATM card was stolen and used for transactions all ASOS......All my money​ was wiped off. These same Gtb. I only woke up to alerts, nothing about them asking​ me for token or rubbish. I already kinda deleted the thread, would av asked u to go​ thru it.

HallaDaTruth:
My bank sends OTP to my phone, without it nobody can take my money even if they have my card number

Hehehe I dy laugh u... Drop me all the info no drop pin then gimme 30minutes

Ololade098:

bro, may I ask wish bank offered you the ATM you are using on Aliexpress, because mine is not working on it

Zenith Bank, (mastercard)

Ecobank (mastercard) also working

Childofaking:
@ op
ATM cards are not credit cards, they are debit cards.

They can be either debit or credit

nitt:


pls wat number is 'cvv2' on the atm card?

the 3 digit number at the bsck of the atm

Diffdeef:
Dude,in GTBank,any online transaction you wanna do,you gonna need a hardware token device,I can give you all my card details,I dare you u can't take a pin by any means,without my token device,I feel like I'm locked outside of my own account,how bout u.

brother please don't give too much trust on GTB security reliability.

bedfordng:
the 3 digit number at the bsck of the atm

okay bro. thanks

Many Online Applications now support the using of Credit Cards popularly known in 9ja as ATM cards for payment,


is nig atm card aka credit card..

imam07:
otp is your card transaction details my friend. Gtb will send it to u while transacting online. Use your brother Gtb card without otp for online transaction to know what am talking about. For u to use another person card online without otp, u will go extra miles which will even cost u more.

Stop arguing blindly. I also use a GTB card with a token and have done a lot of onine transactions without the token. As a matter of fact, your Security is far more important than the token.
If you're still in doubt, just take a picture of your card, send it across and let's see how much is left within 10 minutes

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