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Is OTP required for international transactions?

Yes. OTP is required for international transactions.

There would be some hidden fraud trying to steal sensitive information from users. Security protection is absolutely the top priority for data transactions, especially for SMEs and startup businesses. Sensitive information, such as customers’ credit numbers or customer’s personal data needs to be protected in order to maintain the relationship with customers.

High-quality security systems not only increase the conversion rate for your business, but also offer a seamless online payment experience and build up the trust inside customers. PayCEC payment system will provide a high-qualified fraud protection program including preventing fraud, protecting users’ money and purchasing process.

The 3-D Secure program was designed by the Visa and MasterCard networks to ensure cardholder authentication during online payments in order to reduce fraud. The terms "Verified By Visa" and "MasterCard SecureCode" are used by the Visa and MasterCard networks to refer to the 3-D Secure program. The cardholder must authenticate the payment transaction if you are a member of the 3-D Secure program.

PayCEC provides 3D payment gateway services for merchants to integrate the checkout platform into their websites to facilitate online card payments. Below steps help you understand the overview of a 3D secure payment process.

  • Step 1: The shopper chooses an item, and adds it to his/her online shopping cart.
  • Step 2: Customer places an order on merchant’s website by clicking the “Proceed checkout” or equivalent button.
  • Step 3: Website redirects to Checkout page of PayCEC and the customer is required to input payment information.
  • Step 4: OTP process - There is an OTP sent to the shopper's mobile phone and the shopper has to input the one-time password to enable the transaction.
  • Step 5: The merchant submits the order to PayCEC 3D secure payment gateway.
  • Step 6: The PayCEC payment platform securely sends the transaction to the processor.
  • Step 7: The processor verifies and approves the transaction, and routes the transaction to the card association (Visa / Mastercard / American Express).
  • Step 8: The Card Scheme screens and forwards the transaction details to the customer’s bank, which is known as the issuing bank for approval.
  • Step 9: Approval/Denial is sent back to the Card association and processor and PayCEC payment gateway respectively.
  • Step 10: The merchant receives the message “Transaction Approved”, and the fund is deducted from the customer's bank and settled into the merchant’s bank account.
  • Step 11: The merchant gets paid for the sold item, and the shopper has got his/her purchase.

When businesses scale up globally, the 3D secure payment gateway is a compulsory factor to persuade international customers to make purchases. It is essential because international transactions themselves contain a hidden risk rate. Not only the risk affects online shoppers but also merchants too. The 3D secure Payment gateway plays as the first line of defense against cybercrime in the financial and payment sector.


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If you need further assistance or answer, please don't hesitate to contact us.

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About us

who we are

about us

We are honored to serve as your reliable business partner and financial service provider in the industry and other business-related services. With the help of our professional staff, to help merchants to achieve their goals for the development and expansion of the international business market.

Our payment flow has developed in the e-commerce world to perform seamlessly and effectively across all platforms and devices. We take pleasure in combining technology with customer service, to solve your concerns at the moment.

PayCEC is a fully worldwide payment network that not only allows merchants to be paid immediately and securely, but also allows them to withdraw money in multiple currencies to their company accounts.

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