I have to make an online payment of $13 for the replacement of my Senior Citizen card issued by Transit Link.
The Transit Link website required me to enter my credit card detail. I received a SMS to provide an one time pin (OTP) to authenticate the payment. The authentication failed, due to some problem with the platform.
I had to re-enter all the details again. It failed again. I tried the third time, and it went through.
During this time, my mobile phone was flat. I had to recharge it and retrieve the OTP within the 3 minutes allowed to me. It added to the trouble that I had to go through.
The amount is only $13. There is no need to go through the trouble of authenticating this payment by SMS.
It is wasteful and unproductive to go through the authentication for small payments.
How to put it right
DBS Bank should allow the customer to set a threshold to require credit card payments to be authenticated.
Below this threshold, the customer does not need to authenticate the payment by the OTP. The customer will take the risk of fraudulent payment.