As advanced in a previous article, the direct operator
billing infrastructure is based on two payment flows. The one-time password system, in contrast
to header enrichment, requires the shopper to enter his/her phone number manually
across the payment window. After that, the server will send him/her a text
message via an OTP code. This will be
used to go through validation processes, that is, it will be utilised to
verify the user’s identity and to complete the payment. As such, direct
operator billing is a safe mobile
settlement system.
OTP
is a safe payment flow
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