[METHOD] Bypass Any Card OTP! Step By Step

Step by step

Check the BIN before anything — binlist.net or bincheck.io. Non-3DS range = green light.
Choose a merchant that does not force a challenge. Guest checkouts, Stripe/Adyen-backed small stores, and subscriptions almost never challenge a US BIN.
Run a $1–$5 auth first. Frictionless passes = you're clear for the real amount.
If a challenge fires, drop the OTP bot on it. Triage, or any OTP bot in the channel — the bot dials the cardholder IVR, pulls the code and returns it in under 30s.
If the OTP never arrives, change the cardholder's number yourself: call the bank IVR, authenticate with fullz data (DOB, SSN last 4, ZIP), then set your own number. Every future OTP comes to you.
Second fallback: use a merchant that bills in a non-3DS currency corridor, or split the order under the challenge threshold.
Notes

3DS 2.0 frictionless looks like a normal auth — you'll see success with no prompt. Don't assume a challenge is coming.
Never retry a failed challenge more than twice on the same card. Third attempt flags it.
Amex almost never challenges. Discover too. Use them for high-value.
Keep the same proxy IP through the whole session or the issuer flags a mismatch mid-flow.
Tools: binlist.net, OTP bots, bank IVR + fullz, residential proxies.