Recently, some netizens said, why don't you need a password as long as the verification code is used for online payment of credit cards? In fact, this problem is also encountered by many netizens. Here, I love card Bian Xiao to search for relevant information and introduce it in detail for card friends. As a large-scale third-party payment platform, Alipay certainly meets the requirements of the bank, so the bank will grant Alipay the right to pay by credit card. However, because credit card online payment is risky after all, banks will have some restrictions on credit card online payment to ensure safety. Any payment platform approved by the bank will have the authorization number of the bank, so it will become the payment institution authorized by the bank. In order to protect the privacy of customers and the safety of funds, when banks pay online, most of them only need to submit the credit card number, that is, the 3-digit security verification code of the credit card, and query the password to complete the transaction. The advantage of this is that once these contents are leaked, they will not pose a threat to the credit card, because it is impossible for anyone or any institution to take away the money from your credit card just by this information, and the payment platforms granted by the bank are all formal large-sum payments.