# 2D Payment Gateway: Transactions Without OTP > Secure your online transactions with 2D Payment Gateways in WordPress. Effortlessly accept quick online payments worldwide without any OTP submission. - URL: https://paymattic.com/2d-payment-gateway/ - Markdown: https://paymattic.com/2d-payment-gateway/index.md - Modified: 2026-07-13 --- ![2d payment gateway](/_mirror/78f9bfbf-2d-payment-gateways.webp) - [Features](/category/features/) - | - [Payment Gateways](/category/payment-gateways/) - | - [Use Cases](/category/use-cases/) 8 Min Read # 2D Payment Gateway: Transactions Without OTP [![Tipu Deb](/_mirror/d6eee08c-e128c76106d5d8a96686070447112776d35114f97e2b57e120c4c067531f.png) Tipu Deb Marketing Strategist](https://paymattic.com/author/tipu-deb/) Reviewed By Editorial Team Hide Updated July 13, 2026 Summarize with: [![Claude AI Icon](/_mirror/d0be93af-Frame-1321317365-2.png)](https://claude.ai/new?q=Summarize%20the%20blog%20clearly%20and%20concisely%3A%20https%3A%2F%2Fpaymattic.com%2F2d-payment-gateway%2F) [![Grok AI Icon](/_mirror/933e5f8f-Frame-1538234108.png)](https://grok.com/?q=Summarize%20the%20blog%20clearly%20and%20concisely%3A%20https%3A%2F%2Fpaymattic.com%2F2d-payment-gateway%2F) [![Google AI Mode](/_mirror/6b468f7b-Frame-1321317980-3.png)](https://gemini.google.com/app?q=Summarize%20the%20blog%20clearly%20and%20concisely%3A%20https%3A%2F%2Fpaymattic.com%2F2d-payment-gateway%2F) [![ChatGPT Icon](/_mirror/70a9d48c-Frame-1538234107.png)](https://chatgpt.com/?q=Summarize%20the%20blog%20clearly%20and%20concisely%3A%20https%3A%2F%2Fpaymattic.com%2F2d-payment-gateway%2F) Table of Content **Download Paymattic – it’s Free!** Download Now ![Download Paymattic - it's Free!](/_mirror/e1ed4556-Download-Paymattic-its-Free-banne3r.webp) **Subscribe To Get** WordPress Guides, Tips, and Tutorials We will never spam you. We will only send you product updates and tips. Whether you offer a 3D or 2D payment gateway to your online store, consumers always want the fastest but most secure transaction. Customers are always pressing on. So you’ve got to cope with this and try your best to provide the simplest solution. According to [Statista](https://www.statista.com/outlook/dmo/fintech/digital-payments/worldwide), the total transaction value in the digital payments market is projected to reach US$11.55 trillion in 2024. Various types of online payment gateways will be involved to make this happen. So in this article, we’ll talk about a 2D payment gateway, exploring its features, benefits, and what makes it different from a 3D payment gateway. ## What is a 2D payment gateway? A 2-Dimensional Secure, also known as 2D Secure payment gateway, is the simplest form of payment authentication that requires the least amount of information to complete any online transaction. Without any additional security checks or entering any OTP, consumers can pay by inputting their basic card details, like their card number, expiration date, and CVV number. PayPal, Stripe, PayU, and Braintree are widely popular as both 3D and 2D payment gateways because of the convenience they bring. Specifically, **Authorize.Net** is the most popular and considered the best 2D payment gateway in USA. ## Benefits of a 2D payment gateway ![benefits of 2d payment gateways](/_mirror/a618e58f-Colorful-Minimalist-Linear-Steps-Circular-Diagram.jpg) With seamless checkout experiences and swift transaction processing, a 2D payment gateway empowers businesses to enhance customer satisfaction and boost sales. It eliminates the need for additional authentication and makes payment processing effortless. Let’s have a look at what it brings to your businesses: - **Enhanced user experience**: 2D payment gateways offer a seamless and user-friendly checkout experience for customers, allowing them to complete transactions quickly without the hassle of additional authentication steps. - **Improved conversion rates**: Streamlining the payment process and reducing friction during checkout, it can help businesses increase their conversion rates and drive sales. - **Faster transaction processing**: With a 2D payment gateway, transactions are processed rapidly, enabling businesses to receive payments promptly and improve cash flow. - **Cost-effective solution**: Compared to a 3D payment gateway, which may involve higher transaction fees and additional authentication costs, a 2D payment gateway offers a more cost-effective payment processing solution for businesses of all sizes. - **Global accessibility**: If you want to expand your business to worldwide markets, a 2D payment gateway for international payments can make a significant impact. Because it supports transactions in multiple currencies. ## Differences between 2D and 3D payment gateways ![otp for 3d payment](/_mirror/9f77fce2-otp-for-3d-payment-1024x683.webp) While both 2D and 3D payment gateway facilitate online transactions, there are some dissimilarities in terms of authentication methods and security features. The key difference is receiving OTP through SMS or email. Where a 2D payment gateway without OTP allows you to complete your transactions by just inputting the basic card information, in a 3D payment gateway, you’ve got to input the OTP in addition to the [card details to make your payment](/how-to-accept-credit-card-payments/). A 2D payment gateway company makes the process smoother and faster, whereas 3D payments are also quick, but you may have to wait for a longer period of time, as sometimes the OTP does not arrive in real-time due to network issues. Which can easily irritate a customer and lead them to abandon the purchase as well. [3D payment gateways](/3d-secure-payment-gateway/) are more secure, as they’ve got an extra layer of security, but that doesn’t mean 2D payments are not secure at all. Most of them are PCI-DSS compliant and have end-to-end data encryption systems. The extra verification of 3D payment systems may provide a less user-friendly experience for users, but they offer peace of mind by protecting them from potential fraudulent activities. Which is applicable for both businesses and customers. Conversely, with 2D payment gateway sites, the absence of such verification leaves users vulnerable to the risks of fraudulent transactions. ![Online Payment Security Handbook](/_mirror/bfc2438e-50362370_book_mockup_25-scaled-e1764823870556.webp) Online Payment Security Handbook A SAFETY CHECKLIST TO PROTECT YOUR ONLINE PAYMENT A single security breach can be devastating. This e-book outlines the essential practices that businesses should apply to safeguard online transactions and build a trusted environment. - Security Checklist - Security Concerns - Security Types - Best Practices Content is collapsed. Activate the Download e-Book button to reveal the full content. Users are always under a security threat with a 2D secure payment gateway. Because if someone’s card gets stolen or the details get revealed, which is not a tough deal, the thief can easily misuse it on any 2D payment gateway shopping sites. Which can’t be done in any online shop that uses a 3D payment gateway. ## **2D Payment gateway sites list** So, this is a list of 2D payment gateway sites that balance speed with global reach; here are the top industry leaders: - **Authorize.Net** It’s widely considered the best 2D payment gateway in USA. It offers a highly reliable environment for card-not-present transactions without mandatory OTPs. - **Stripe** Stripe is a global leader that supports both 2D and 3D flows, allowing “frictionless” payments in the US while automatically triggering 3D Secure for international regulations like SCA. - **PayPal (Advanced Checkout)** Beyond its famous wallet, PayPal’s credit card processing allows for seamless 2D transactions and is trusted by millions of shoppers worldwide. - **Braintree** Braintree is a favorite for mobile apps, offering a sleek 2D checkout experience alongside robust 3D Secure 2.0 options for higher security. - **Square** Square is extremely popular in the USA and Canada. Square provides a simplified 2D payment process that is ideal for small- to medium-sized businesses looking for quick setups. - **PayU** It’s a powerhouse in emerging markets like India and Latin America. PayU offers versatile integration that supports both 2D processing and mandatory 3D Secure flows. - **2Checkout (Verifone)** It’s an excellent choice for international trade, supporting 2D payments in over 200 countries and territories with built-in tax and compliance management. - **PayCly** It offers 2D payment gateway solutions with multi-currency support and risk tools for high-volume merchants. Best for travel, crypto, IPTV, and similar sites. - **WebPays** Focused on global 2D processing, WebPays provides an all-in-one solution for merchants who want to accept credit cards worldwide without additional authentication steps. - **ePaymently** Specifically markets a “2D payment gateway without OTP” to help businesses reduce cart abandonment and ensure a frictionless checkout for international customers. - **DirectPayNet** Known for assisting high-ticket and digital service merchants, they provide 2D-only flows to help maintain high conversion rates for recurring and subscription models. ## Best practices for a 2D secure payment gateway ![5 best practices for 2d payment](/_mirror/8bbe7fb1-5-best-practices-for-2d-payment-1024x576.webp) Implementing 2D secure payment methods effectively requires adherence to several best practices that ensure a smooth and secure transaction. Here are some key points to follow if you want to use any 2D payment gateway providers: - **PCI compliance**: Ensure that when using a payment gateway, it complies with PCI-DSS requirements to protect cardholder data and maintain the trust of your customers. - **Fraud detection and prevention**: Because a 2D payment processor is less secure than a 3D secure payment gateway, so utilize extra fraud protection tools like [ReCAPTCHA](/how-google-recaptcha-works-in-data-protection/), [Honeypot,](/honeypot-in-cyber-security/) and other algorithms to monitor transactions in real-time and identify suspicious activities. To avoid additional protection costs, WordPress plugins like [Paymattic](/) offer free integration with multiple security tools, like **ReCAPTCHA**, **Honeypot**, and **Cloudflare**. > **Read more:**[WordPress Spam Protection with Paymattic – Honeypot, Captcha & Turnstile](/wordpress-spam-protection-with-paymattic/) - **Seamless checkout experience**: Optimize the checkout process for simplicity and efficiency. Minimize the number of steps required for customers to complete transactions to reduce cart abandonment rates. - **Mobile optimization**: Ensure that your 2D payment gateway that receives money without OTP is compatible with mobile devices and offers a seamless payment experience for customers accessing your website from smartphones and tablets. - **Multiple payment options**: Provide customers with a [variety of payment options](/best-woocommerce-payment-gateways-in-wordpress/), including credit/debit cards, digital wallets, and alternative payment methods, to accommodate diverse preferences and [increase conversion rates](/increase-customer-engagement/). Subscribe Newsletter Subscribe to our newsletter for updates, exclusive offers, and news you won’t miss! ![](/_mirror/95ca8311-blog-cta-banner-2.webp) ## How to integrate a 2D payment gateway in WordPress Integrating a payment gateway into WordPress is the easiest thing to do with Paymattic. It has a wide range of **14 payment gateways**, including 2D and 3D payment methods. Just follow a few steps and start [accepting 2D payments](/how-to-accept-online-payments/) on your website. **You can download the Free Paymattic plugin from here** 👇 Download Free Paymattic Plugin Now, let’s start. - Install the **Paymattic plugin** - Navigate to **Paymattic > Payment Gateway** - For example, choose**Stripe** ![stripe configuration](/_mirror/613d7379-Stripe-configuration-1024x658.webp) You’ll need the credentials here. - Log in to your **Stripe dashboard****>** **Developers** section - Navigate to **API keys**to get your **Publishing key and Secret key** ![stripe developer dashboard](/_mirror/f48b38bb-stripe-developer-dashboard-1024x521.webp) - Copy and paste the keys in the required field of Paymattic - And finally, click on **Save Settings** That’s all you need to configure a 3D or 2D secure payment gateway on your WordPress website with Paymattic. Follow the same procedure to integrate any other payment methods. If you’re still unsure about how to integrate a 2D payment solution and accept payments without OTP, watch this video here. ## Wrapping up In the rapidly evolving landscape of online transactions, choosing the right payment gateway can make all the difference for your business. While a 3D payment gateway offers an extra layer of security, a 2D payment gateway without OTP streamlines the process, prioritizing speed and simplicity. By understanding the nuances between them and implementing best practices, you can create a seamless and secure payment experience for your customers. Join the thousands already enjoying Paymattic Pro! [Try Paymattic Pro](/pricing/) Start For Free - [Facebook](https://www.facebook.com/paymattic) - [Instagram](https://www.instagram.com/Paymattic) - [LinkedIn](https://www.linkedin.com/company/paymattic/) - [X](https://x.com/Paymattic) - [WordPress](https://wordpress.org/plugins/wp-payment-form/) - [YouTube](https://youtube.com/playlist?list=PLXpD0vT4thWH80g5e9wYnoBMgEqUXbr53&si=WtVIZVVrXyyDm94H) ![Tipu Deb](/_mirror/d6eee08c-e128c76106d5d8a96686070447112776d35114f97e2b57e120c4c067531f.png) ## Tipu Deb Hey! Tipu here, working as a Marketing Strategist at WPManageNinja & Paymattic. A nature lover and a person who is addicted to exploring historical events. In my leisure, you’ll find me playing with different musical instruments. ## Popular Articles - [![add gift aid to wordpress donation form](/_mirror/500efcc4-Add-gift-aid-to-WordPress-Donation-form-1024x536.webp)](/add-gift-aid-to-wordpress-donation-form/) - [![4.6.25](/_mirror/45bd3132-4.6.25-1024x536.webp)](/paymattic-4-6-25/) - [![accept stripe recurring payments in wordpress 1](/_mirror/f98b9fe3-ccept-Stripe-Recurring-Payments-in-WordPress-1-1024x536.webp)](/stripe-recurring-payments/) - [![Stripe payment gateway a complete guide](/_mirror/d880022d-Stripe-Payment-Gateway-A-Complete-Guide-1024x536.webp)](/stripe-payment-gateway/) - [![reduce credit card processing fees for donations](/_mirror/73dc39c6-duce-Credit-Card-Processing-Fees-for-Donations-1024x536.webp)](/how-to-reduce-credit-card-processing-fees/) - [![add gift aid to wordpress donation form](/_mirror/500efcc4-Add-gift-aid-to-WordPress-Donation-form-1024x536.webp)](/add-gift-aid-to-wordpress-donation-form/) - [![4.6.25](/_mirror/45bd3132-4.6.25-1024x536.webp)](/paymattic-4-6-25/) - [![accept stripe recurring payments in wordpress 1](/_mirror/f98b9fe3-ccept-Stripe-Recurring-Payments-in-WordPress-1-1024x536.webp)](/stripe-recurring-payments/) - [![Stripe payment gateway a complete guide](/_mirror/d880022d-Stripe-Payment-Gateway-A-Complete-Guide-1024x536.webp)](/stripe-payment-gateway/) - [![reduce credit card processing fees for donations](/_mirror/73dc39c6-duce-Credit-Card-Processing-Fees-for-Donations-1024x536.webp)](/how-to-reduce-credit-card-processing-fees/) - [![add gift aid to wordpress donation form](/_mirror/500efcc4-Add-gift-aid-to-WordPress-Donation-form-1024x536.webp)](/add-gift-aid-to-wordpress-donation-form/) - [![4.6.25](/_mirror/45bd3132-4.6.25-1024x536.webp)](/paymattic-4-6-25/) - [![accept stripe recurring payments in wordpress 1](/_mirror/f98b9fe3-ccept-Stripe-Recurring-Payments-in-WordPress-1-1024x536.webp)](/stripe-recurring-payments/) - [![Stripe payment gateway a complete guide](/_mirror/d880022d-Stripe-Payment-Gateway-A-Complete-Guide-1024x536.webp)](/stripe-payment-gateway/) - [![reduce credit card processing fees for donations](/_mirror/73dc39c6-duce-Credit-Card-Processing-Fees-for-Donations-1024x536.webp)](/how-to-reduce-credit-card-processing-fees/) - [![add gift aid to wordpress donation form](/_mirror/500efcc4-Add-gift-aid-to-WordPress-Donation-form-1024x536.webp)](/add-gift-aid-to-wordpress-donation-form/) - [![4.6.25](/_mirror/45bd3132-4.6.25-1024x536.webp)](/paymattic-4-6-25/) ## 2 responses to “2D Payment Gateway: Transactions Without OTP” 1. ![Kevin Avatar](/_mirror/924da0b9-90b2614006b3cbf47bbfc055f743d909b1e1059ce107aace7a34c6fe6ca4.jpg) Kevin [January 31, 2025](/2d-payment-gateway/#comment-71) Good morning Do you support 2D Payments? Would like to partner up with an Acquirer that supports 2D for our special cases Regards Kevin [Reply](/2d-payment-gateway/?replytocom=71#respond) 1. ![Tipu Deb Avatar](/_mirror/51a69a95-e128c76106d5d8a96686070447112776d35114f97e2b57e120c4c067531f.png) Tipu Deb [July 14, 2025](/2d-payment-gateway/#comment-171) Hello Kevin, Yes, Paymattic supports 2D payments. You can visit our integration page to see the available options. For any partnership proposals, please contact us through our official email. [Reply](/2d-payment-gateway/?replytocom=171#respond) ### Leave a Reply [Cancel reply](/2d-payment-gateway/#respond)