2D Payment Gateway Without OTP [2023 Working Sites]

By Robert Courtneidge 19 Min Read

Quite a lot of customers would love to be able to make online payments using their cards swiftly and securely. However, they are let down since they may not have any means to verify their payments online or have completely lost the source of verification. Here is where the 2D payment gateway without OTP (one-time password) comes in.

As an online business owner, having a reliable and well-secured 2D Payment gateway without OTP will help your customers process transactions faster and boost your website revenue. And when a customer is unsatisfied, they can always process a chargeback with their bank or credit card issuer.

Now that you know this, the next thing is to look for the best 2D Payment gateways without OTP. In this article, we’ve provided a rundown of some of the best 2D Payment gateways without OTP along with some helpful tips.

So, let’s get started…

Best 2D payment gateways without OTP

2D payment gateway without OTP

Several popular payment gateways allow customers to make online transactions without the need for OTP, while still providing customers with convenient and secure payment options. That said, here’s a list of 2D payment gateways without OTP:

  1. Amazon

Amazon is generally based on a 3D gateway but they allow you to use your Amazon accounts for transactions without OTP during checkout.

That said, wherever Amazon Pay is an accepted payment method for a product or service you want to buy, simply click the Amazon Pay logo or button, and enter your Amazon.com information, including your email address and password. Finally, choose your payment method and payment without OTP.¹

If the item you are paying for qualifies for 2D payment, Amazon will not request card PIN. So, that’s how you use the 2D payment gateway without OTP on Amazon, especially if you are buying outside the US.

Meanwhile, Amazon accepts bank account payment.

  1. Authorize.net payment gateway

For quite a while now, Authorize.net has been in the business of providing a reliable payment gateway for websites that eliminates the need for OTP during transactions. Depending on the website you’re shopping on and the payment limits in place for your card provider, Authorize.net will allow you to make a payment without OTP.

But keep in mind that a lot of websites that use 2D payment gateways without OTP will usually require additional verification such as a scanned copy of your driver’s license, identity card, or credit card statement, to process your order after it has been placed. Websites such as shop.peta.org, forksoverknives.com, wn.com, formsite.com, and a host of others are some online shops that use this payment gateway.

In addition to this, Authorize.net also uses various fraud detection techniques to secure your online purchases. And with support for major credit and debit cards in over 190 countries and regions, you really can’t beat the reach.

  1. PayPal Express Checkout

Mobile payment giant PayPal’s Express Checkout gateway² service allows you to complete transactions without OTP by using a PayPal account to pay for your purchase. PayPal uses machine learning algorithms to identify and prevent fraudulent activities. So if you’re wondering why you weren’t able to make a particular payment online, it might simply be down to the fact that the system thinks it’s an unusual payment, therefore it declines it.

Nonetheless, it’s best to use your discretion when shopping on sites that use this PayPal payment gateway. Don’t go for a large amount at once. Make sure your billing address is the same as your shipping address, and don’t go logging into your PayPal account from a different location or device different from yours. There’s a high probability your payment won’t go through if you do that.

Some websites that use PayPal Express Checkout include Airbnb, Etsy, and Uber.

  1. Stripe payment gateway

Like PayPal, Stripe supports over 135 currencies and accepts payments from major credit and debit cards. Stripe also uses machine learning algorithms to flag fraudulent activities.

From firsthand experience, this payment gateway is pretty smart. My advice is to keep your single payments under $190, make sure your IP address location matches that of your billing address, and you should be fine without an OTP.

Postmates, Target, and Shopify are just some of the websites that use Stripe. So, if you use these sites for shopping for certain items, you will be able to complete the purchase without OTP.

  1. Verifone

This is a personal favorite,  Verifone (formerly 2Checkout) doesn’t have many limits in place or certain conditions to do a transaction without an OTP. Simply make your order, follow the website’s instructions, and your payments made. The only thing with websites that use Verifone is that the majority of them use a manual review to process any orders made on them. So don’t get too surprised when they ask you for any personal documentation to fulfill your order.

But then again, the review process isn’t usually strict. Although this depends on the website protocols and the order amount. Avast, Freshbooks, and JotForm are some sites that Verifone provides with payment gateway services.

  1. Braintree

Braintree is one of the 2D payment gateways without OTP that lets you complete transactions simply by using PayPal, Venmo, or credit/debit card to pay for your orders. They also support digital wallets like Apple Pay and Google Pay.³ Much has been said about transaction amount limits already. So it’s advisable to keep it to frugal ‘regular’ amounts. Not something drastically different from the usual. Websites that use Braintree include Airbnb, Uber, Dropbox, and much more.

  1. 2D Crypto Gateway

Here’s a 2D payment gateway that’s sort of different from the others on this list. 2D Crypto Gateway is a payment gateway service that specializes in processing cryptocurrency payments. In other words, they offer you cryptocurrency payment options.

You can make payments on any websites that use 2D Crypto Gateway without an OTP by paying cryptocurrencies such as Bitcoin, Ethereum, and Litecoin. A manual review of your order is all you really need to worry about.

The only downside to 2D Crypto Gateway is that it’s not as commonly used as the others on this list. In other words, websites that use 2D Crypto Gateway are few and far between. Some websites that use this payment gateway include BitPay, CoinPayments, and Shopify.

  1. Razorpay

Razorpay offers you a wide range of payment options, including credit cards, debit cards, net banking, UPI, and digital wallets.⁴ Razorpay also offers ready-to-use plugins for popular platforms like WordPress, Magento, and Shopify.

For you to make a payment without OTP on Razorpay, you must have previously made a successful transaction on the same website using the same card or bank account, and your transaction amount must be under a particular limit. Some countries have a $250 payment limit while others have a $100 limit, so it depends on the country you’re in.

  1. Instamojo

Instamojo is a user-friendly 2P payment gateway designed for small businesses and individual sellers alike. One great thing about Instamojo is that it features a vast range of payment methods just like the others on this list. Making payments on InstaMojo isn’t much of a big deal. All you have to do is add your orders/ products to the ‘cart’, follow the necessary steps, and you’re done. No OTP needed.

Just like Razorpay, the thing is Instamojo will only allow payments without OTP for transactions below a certain amount limit which is set at INR 2,000 in India (you can convert to your local currency to understand your limits). Additionally, you must have previously made a successful transaction on the same website using the same card or bank account before you can be allowed to make a payment without an OTP.

Some websites that use Instamojo include UrbanClap, Clear Tax, YourStory, etc.

  1. Skrill

While not a strict 2D payment gateway provider, Skrill offers 2D payment gateways without OTP for some payments. Skrill only allows you to complete transactions without an OTP depending on the specific transaction, industry, and country where the transaction is taking place. Nonetheless, it’s still a very good option for those looking to allow customers complete transactions without an OTP.

Some popular websites that use Skrill are iHerb, eToro, betting sites like William Hill, Beet365, and lots more.

  1. PayU

Lastly, we have PayU. Just like Razorpay and 2D Crypto Gateway, PayU offers you several payment options like international payment acceptance (currency conversions that allow you to use your card to make payments with your local currency on websites that use a different currency), recurring billing, and the likes. The only caveat is that you do not have many choices in terms of shopping and shipping options.

Some websites that use PayU include, BookMyShow, Zomato, Oyo Rooms, and others.

Read also: non VBV gateway sites

What is a 2D payment gateway?

A 2D payment gateway, also known as a 2D secure payment gateway, is a type of payment processing software that allows customers to make payments without the need for a one-time password (OTP) or additional security checks.

It simplifies the payment process by only requiring the customer to enter their credit card number and expiry date. Once these details are provided, the purchase is completed.

How does a 2D payment gateway work?

In simple terms, a payment gateway acts as an interface that enables merchants to accept payments from customers over the internet. In brick-and-mortar stores, point-of-sale terminals, QR codes, or NFC terminals are used as the interface to accept payments.

For e-commerce websites, the payment gateway provider typically offers a standard checkout option where users can enter their payment information. 

Here’s a step-by-step breakdown of how a typical payment gateway works during an online purchase:

  • The customer adds their card payment details and clicks on the “Buy Now” button on an e-commerce website.
  • The payment gateway checks if the customer has a sufficient balance or credit limit in their bank account. If not, the transaction is canceled, and the customer is prompted to try another card or payment method.
  • If the funds are available, the payment gateway securely sends the encrypted card information to the credit cards network, such as Visa or Mastercard, for processing.
  • The credit card network evaluates the transaction based on various rules and compliance. If approved, the payment gateway hands back control to the merchant website to finalize the transaction.
  • Finally, the payment gateway forwards the transaction information to the merchant’s bank to collect the payment from the customer’s issuer bank.

What is the difference between a 2D and 3D payment gateway?

The main difference between a 2D and 3D payment gateway lies in the level of authentication required. A 2D payment gateway only necessitates the credit card number and expiry date to complete the payment.

On the other hand, a 3D payment gateway adds an extra layer of security by requiring additional information, such as an ID and OTP provided by the card issuer, in addition to the credit card details and expiry date. This additional step enhances security and reduces the risk of fraudulent transactions. That’s why 2D payment gateways without OTP are a unique technology on their own.

Why should I use a 2D Payment Gateway without OTP?

Below are the major benefits:

1. Faster checkout process

Payment gateways without OTP enable faster transactions, making the checkout process quicker and more efficient. This is particularly beneficial for customers using mobile devices, as entering an OTP can be cumbersome on smaller screens.

2. Increased conversion rates

When customers can swiftly complete their transactions, they are more likely to follow through with their purchases, resulting in increased sales and revenue. This is why businesses using payment gateways without OTP usually experience higher conversion rates since they offer customers a simplified and expedited payment process.

Why should I avoid a 2D payment gateway without OTP?

The primary drawback of using payment gateways without OTP is the increased vulnerability to security risks. OTPs provide an additional layer of protection against hacking and phishing attacks. Therefore, without an OTP, there is a higher chance of unauthorized access to sensitive information, leading to financial losses and identity theft.

Fraudulent transactions are also a reason 2D payment gateways without OTP are not advisable. Without the verification provided by OTP, fraudulent transactions become a greater concern. Cybercriminals can exploit the absence of OTP to make unauthorized payments using stolen credit card details or other personal information. This poses a risk to both customers and merchants, potentially resulting in financial losses.

Chargebacks occur when a customer disputes a transaction and the payment gateway reverses the transaction, leaving the merchant without the payment and the product or service they provided. This is another major downside to using payment gateways without OTP as a customer can potentially dispute a ‘legit’ transaction claiming it was made without their knowledge and win.

What is a high-risk payment gateway?

High-risk payment gateways are specialized payment processing solutions designed to cater to businesses operating in industries or sectors deemed to have a higher risk of fraudulent activity, chargebacks, or regulatory compliance issues. These industries include adult entertainment, online gaming, pharmaceuticals, and financial services.

In simpler terms, high-risk payment gateways offer specific features and tools to mitigate the associated risks and ensure secure transactions for businesses in these sectors.


Why do payment gateways need OTP?

Payment gateways use OTPs to verify the identity of the cardholder and ensure that the person making the payment is the authorized user. OTPs are there to add an extra layer of protection to customers and merchants against unauthorized access, fraud, and identity theft.

Can I pay without OTP?

Yes, you can pay online without an OTP. However, you can only do this on websites or platforms using 2D payment gateways that can accept payments without the need for an OTP.

How do I create a 2D payment gateway?

The requirements for creating a 2D payment gateway vary depending on the payment gateway provider you want to use. So, it’s worth checking with the particular payment provider you intend to sign up with for the requirements needed to come on board.

Final thoughts

While I wouldn’t go all out and pick one 2D payment gateway without OTP2D payment gateways without OTP as the best overall, each payment gateway has its pros and cons. So, always refer to the respective documentation or support resources provided by each payment gateway provider for detailed instructions on their products and services.

Read also: get funds from credit card, no fees


  1. Amazon Pay frequently asked questions (FAQ). Amazon
  2. Faster checkout and faster payment. PayPal
  3. Boost Revenue with a Global Payments Partner. Braintree
  4. Supercharge your business with Razorpay Payment Gateway. Razorpay
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Independant Industry Expert in Payments and the Digital Future of Money, Co-Editor of The PAYTECH Book, top Payments Lawyer and voted No. 1 in Payments Power 10 at #PayExpo What do I do? I solve the problem of moving payments firms into the new era of money. Traditional financial services businesses risk getting left behind as Generation Z leapfrogs the banks, opting instead for big techs, challengers, and social commerce propositions. Ignoring blockchain technology and the widening knowledge gap between the financial services and digital sectors puts businesses at risk of falling behind their competitors, compromising their competitive edge, and ultimately becoming redundant.
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