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How to Protect Your OTP, PIN, and Payout Account on Tbay

Last updated: September 25,2026

Gift card scams often happen because people get tricked into handing over their gift card codes, the app’s transaction PIN, or account access that they should have kept to themselves. Tbay protects against this by keeping four things strictly off-limits outside the app. Your OTP, card PIN, password, and payout account details should only ever be entered inside the Tbay app. Tbay never ask for these by chat, phone call, SMS, or email, no exceptions.

In this blog, we will cover the four specific things you need to protect, and how to spot a request that isn't really from us.

1. Your Card Number, PIN, and Card Photos

Your gift card number, PIN, and any photo of the card should only be entered through the official app when you submit a trade. If anyone asks you to send these details privately, in a chat, that request is not part of a normal Tbay transaction.

This applies even if the request looks like a normal step in a trade. There's only one place card details belong: the app's secure submission process. Sending a photo of your card to a person, a "support" account, or a group chat is never required.

2. Your OTP, Password, or Verification Code

This is the one rule that should never bend, under any circumstance: Tbay will never ask you for your OTP, password, or verification code.

Not through the app's chat support. Not by phone. Not by email. Not for "verification," "evidence collection," or any other reason. If someone asks for one of these codes, sharing it hands them direct access to your account and funds and there's no legitimate scenario where our team needs it from you.

3. Your Payout Account Details

Changing where your money is sent is something that should only happen inside your own app settings. If you get a message, link, or call asking you to update or "re-bind" your payout account, don't act on it, even if it looks official.

Real payout account changes have one path: you, logging into the app yourself, and updating it directly in settings. Any external link claiming to do this for you is not a legitimate Tbay process.

4. Requests by SMS, Email, or Phone Call

A newer version of this scam skips chat apps entirely and goes straight to SMS, email, or a phone call, sometimes claiming there's an issue with your account that needs "verification."

The channel doesn't change the rule. Tbay does not request passwords, OTPs, or card details over SMS, phone calls, or email. If you get a call or message like this, don't respond to it directly , always contact Tbay through the official app instead to check if anything is actually wrong with your account.

What a Real Tbay Request Looks Like

To keep this simple, here's the pattern that applies across all four cases above:

  • It happens inside the app: not in chat, SMS, email, or a phone call.
  • It never requires your OTP, password, or verification code.
  • Payout account changes happen only when you initiate them, in app settings.

If you're ever unsure, the safe move is to go directly to the app and check or contact support yourself, rather than replying to the message you received.

Frequently Asked Questions

Will Tbay ever call or text me asking for my OTP?
No. Tbay never requests your OTP, password, or verification code by phone, SMS, email, or chat, regardless of the reason given.
Can I update my payout account through a link someone sent me?
No. Payout account changes should only be made by you, inside the app's own settings. Never through an external link.
Is it ever okay to send a photo of my gift card to someone claiming to be Tbay support?
No. Card details, including photos, should only be submitted through the app's official trade process.
I got a text or call saying my account needs verification. What should I do?
Don't respond to it directly. Open the Tbay app yourself and check your account status or contact support from there.


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Email: [email protected]
Website:
https://tbay.store
Facebook:
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Tbay App:
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