It is illegal and unethical to bypass the OTP (One-Time Password) for online transactions using a debit card. OTPs are an important security measure used to protect online transactions and prevent fraud. Attempting to bypass the OTP process can result in financial losses, legal consequences, and damage to your financial reputation.

Instead of trying to bypass the OTP, it is recommended to take steps to ensure the security of your online transactions, such as:

• Keep your device secure: Use a secure device for online transactions and ensure that it is protected with a strong password and up-to-date security software.
• Use a trusted network: Connect to a trusted and secure network, such as your home Wi-Fi or a secured public Wi-Fi, when making online transactions.
• Keep your card information secure: Keep your debit cards information, such as the card number and security code, secure and do not share it with anyone.
• Monitor your accounts regularly: Regularly monitor your bank account activity to detect any suspicious transactions or unauthorized access.
• Report suspicious activity: If you notice any suspicious activity on your bank account, report it immediately to your bank and take appropriate action, such as closing the account and opening a new one.

In conclusion, it is important to follow the proper and secure procedures for online transactions to protect your financial security and avoid potential risks and consequences.

Difference between debit cards and OTP

A debit card is a payment card linked to a bank account that enables the cardholder to withdraw money or make purchases using funds from the account. On the other hand, an OTP (One-Time Password) is a unique, temporary code that is generated for a specific transaction and sent to the customer’s registered mobile number or email.

In short, a debit card is a physical card used for transactions, while an OTP is a temporary code used for authentication and security purposes. The OTP is often used as an additional layer of security for online transactions, where the user has to enter the code received on their registered mobile number or email to confirm the transaction.

Difference between debt cards and PAN Card

A debit card is a payment card linked to a bank account that enables the cardholder to withdraw money or make purchases using funds from the account. A Permanent Account Number (PAN) card, on the other hand, is a unique 10-digit alphanumeric identifier issued by the Indian Income Tax Department to individuals and entities for tax purposes.

In short, a debit card is used for transactions and accessing funds, while a PAN card is used for identification and tax purposes. A PAN card is required to be quoted while opening a bank account, making financial transactions above a certain threshold, and filing income tax returns in India.