I am not sure if this question is valid here but this seems to be the most appropriate place.
I have a credit card which I use to shop online. When I checkout a product on say, Flipkart, it asks me my credit card details. After entering my card details it takes me to the merchant's website where I have to authenticate the transaction either by entering the password or by entering OTP sent to my mobile.
But in some other cases like Apple App Store or Google Play I only save my card details and nothing else. After then my card is charged with amount depending on the app bought via respective app stores. There is no authentication involved.
- How does credit card's online authentication work?
- When exactly is authentication required for purchase via credit card?
- Is there a way where I can a say that my credit card will not be able to be charged without authentication (password/OTP)?