What if a cardholder receives an authorization code but did not initiate a transaction?
When making online purchases, cardholders may be required to authenticate their payment by entering a one-time passcode (OTP) sent to their registered mobile number.
If the cardholder did not initiate the transaction, they should take the following steps:
- Immediately cancel the card to prevent further unauthorized transaction attempts. They can do this via the card management portal or app.
- Verify with family or other authorized users whether someone else has mistakenly used their card.
- Check their transaction history for any suspicious or unauthorized charges. If they find any, they should submit a dispute to report the fraudulent transactions.
- Request a new card through the app or support portal to continue shopping securely.