Not all transactions require a verification code (OTP/3DS) as it depends on the merchant's security settings, transaction amount, and risk assessment by the payment processor. Some possible reasons include:

• Low-risk transactions: Small or recurring payments may not trigger additional authentication.

• Trusted merchants: If you have successfully completed transactions with a merchant before, they may classify your card as trusted.

• Stored payment methods: Some merchants securely store card details, allowing future payments without re-verification.

• Issuer and network policies: Visa and the issuing bank determine when 3DS authentication is required based on transaction risk analysis.

If you have concerns about the security of your transactions, please check your account activity or contact our customer support team for further assistance.