Difficult ways to bypass the VBV card:
- Install a Trojan on the cardholder’s phone, which will transfer all the data to you.
- Issue a replacement physical SIM card for the cardholder in order to receive all SMS messages coming to his phone.
- Hack the cardholder's phone and gain remote access to it.
- Use social engineering - call the cardholder on behalf of the bank or payment system and ask for the code from SMS. Come up with a reason yourself.
The best and easiest way to bypass VBV card is to use a Non-VBV card which does not send OTP.