Can You Buy Gift Card Online With Debit Card Without OTP?

You might be assured about the security of your online payments via OTPs. Do you know that, at present, OTPs are no longer capable of ensuring the safety of your funds and payments? Sophisticated hackers can easily gain access to your OTP and fulfill their devilish intentions. Below are some common processes by which hackers are now easily stealing people’s valuables.

• They collect the person’s details through email, promotions, fake sites, social media engineering, etc., and convince the SIM provider that the number belongs to them, gaining access to the OTP. It is known as “SIM swapping.”
• The OTP process has an integrated technical issue (SS7). Hackers take advantage of this technical flaw to gain access to OTP.
• They steal the phone and return it after making a prototype that allows receiving the OTP on two devices at the same time.
• They can hack the device and gain control of the unencrypted messages. Surely, OTPs come as unencrypted messages.

Assuming OTP provides the highest level of security, certainly, you are using your debit card to purchase gift cards several times per month. If such, we say you are in a totally wrong position. It is time to avoid OTP while purchasing gift cards to ensure payment and the debit card’s safety. To assist you in such, here we inform you can you buy gift card online with debit card without OTP. Before proceeding with the process, you must understand the basics of OTP.

How OTP Works in Debit Card Payment Processes?

The full form of OTP is “One Time Password.” It is a one-time use, randomly generated numeric password, and has static characteristics. To ensure payment and fund security, the financial companies’ system (in this case, payment gateways like Visa, Mastercard, Amex, etc.) promptly creates a unique password, which the payer uses to confirm the payment.

Simply put, when you enter your debit card information to purchase gift cards and click the payment button, the received code on your mobile device is the OTP. As soon as you enter the received code into the payment system, it recognizes that the payment is authenticated and that money transfers from your card are only permitted by you.

This method was fool proof a few years ago. However, it can no longer ensure a higher level of security in debit card payments. Especially if you are a regular buyer at third-party websites like gift card selling sites, using OTPs is not that safe.

What Hackers Can Do If they Have Access to Your OTP?

We already elaborated on how a hacker can get access to an OTP. So, how much damage can the hacker do with this one-time password? Surely, OTP is for single-time use. But accessing one of them is enough for the hacker to eat your entire debit card’s balance. Assume you are in the process of purchasing a $100 gift card with a $10,000 balance on your debit card.

In this case, if hackers have access to your messages or device’s system, by using the received OTP, they can vanish the entire balance of $10,000 either by purchasing more or changing the password. And you will not find anybody to get a refund; even the gift card selling site will deny any sort of refund. So, definitely, you should buy a gift card online with debit card without OTP.

How to Buy Gift Card Online With Debit Card Without OTP?

Here, we explain some easy-to-follow approaches to bypassing OTP when purchasing a gift card online.

1. Using PayPal

If you want to bypass OTP in your next gift card purchase with debit card, this is the top solution. Just follow the below-described process.

• Open an account at PayPal by providing the required details.
• Add your debit card to the PayPal account.
• Upload funds to your PayPal account from your debit card.
• Go to the selected gift-selling website.
• Select gift cards and add those to the cart.
• Go to the payment section and select PayPal as your payment method.
• Insert your PayPal email address.
• And that’s all. You have successfully purchased a gift card online with Debit card while ignoring OTP’s intervention.

2. Using Virtual Prepaid Cards

As gift card-selling websites are not designed to offer superior security to your debit card, purchasing from those sites with a Debit card is always risky, even if their processes include OPT authentication. It is better to use a virtual prepaid card. A virtual prepaid card is a one-time-use credit card with no physical presence. To detail the process, here we consider Skrill’s virtual prepaid card.

• Go to the Skrill website.
• Open an account by using your personal and bank account information.
• Upon successful application, add your debit card to your Skrill account.
• Transfer funds to your Skrill account based on the value of your going-to-purchase gift card.
• Use the transferred funds to purchase a Skrill virtual prepaid card.
• The card will come up with a 16-digit number and other necessary details.
• Go to the gift card site.
• Select and add items to your cart.
• In the payment section, select credit card payment.
• Insert your card details and confirm the payment.
• You have successfully used your debit card to purchase a gift card without the inclusion of an OTP.

Prominent virtual prepaid card providers are Skrill, US Unlocked, Ezzocard, Payoneer, Blur, Leopay, etc.

3. Using Mobile Money App

This is another lucrative option to bypass OTP while purchasing gift cards. For example, here, we use the Cash App.

• Install Cash App and create an account by inserting the necessary details.
• Add your debit card to your Cash App account.
• Go to the “Banking” tab.
• Press the “Add Cash” tab.
• Select the desired amount.
• Press “Add.”
• Confirm the transfer by using your ID and PIN.

Now, you do not need to use a debit card; the balance in the Cash App is going to pay for gift card purchases.

• Insert the amount and press the “Pay” button.
• Choose “Gift Card” as the Payment Type (this is not a payment method).
• Select Cash App’s gift card or find the desired gift card merchant.
• If you want to purchase a gift card for yourself, insert a unique cashtag, your email address, etc. (for gifting, insert the recipient’s details).
• Direct the payment system to your Cash App balance.
• Press “Next.”
• Your gift card purchase is complete without an OTP.

4. Using Digital Wallet

Online payments for gift card purchases using a digital wallet are a good solution. It allows debit card use and does not require any OTP. The most popular digital wallets are Apple Pay, Google Pay, and Samsung Pay.

• Create an Apple Pay account by providing the required details.
• Find and press the “Add” button.
• Press “Continue” button.
• Insert your debit card details and confirm it.
• Complete the verification process.
• Transfer funds from Debit card to wallet.
• Go to the gift card site.
• Select items.
• In the payment section, select your digital wallet.
• Confirm the payment.

Key Takeaways

Considering the unavoidable threats associated with OTP use, it is time to know can you buy gift card online with Debit card without OTP. Surely, the above-described approaches can help you bypass the OTP for gift card purchases. Our expert advice is that you use the first solution (using PayPal). It is easier and more convenient.

Frequently Asked Question