Does Taobao need SMS verification code to pay by credit card?

Taobao needs to use SMS verification code to pay by credit card. Without this verification code, it is impossible to pay.

Generally, when a bank handles a credit card, the verification code is sent to the mobile phone number bound on the card, not to the mobile phone number bound on Taobao.

Moreover, the credit card should also open the online payment function, without which payment cannot be realized. ?