What is an OTP (one-time password)?
A one-time password (OTP) is an added layer of security used by some payment card issuers when adding your payment card in Samsung Pay. The card issuer will send an OTP via text message (SMS) or email, depending on what contact information is on file, to authenticate you are the owner of the card. The OTP is issued by the card's payment network and is valid for a limited amount of time (varies by payment network). If the OTP expires before your enter it, you will need to request a new OTP.
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