Consider the followinguser storyand itsacceptance criteria:

User Story:

As a member of the"Agnotoly"association, I want to be able topay the association’s dues through an automatic payment methodso that I can forget about payment deadlines.

Acceptance Criteria:

The member can only pay with‘Agnesis Master’ credit card.

The member must register theircell phone number.

The member must register thecredit cardin the payment system.

The member must select apayment method (monthly or annual).

The member mustaccept the terms and conditionsfor the selected method.

If terms and conditions are accepted, the system sends anOTP(one-time password) to the member’s phone for verification.

The payment method isregistered only after OTP verification.

Once the payment method is registered, the system will charge on the first business day of the following month.

Test Cycle Results:

Members successfully paid dues using the credit card.

Payments were processedmonthly and for over a year.

Which ONE of the following options identifies the acceptance criteria that has NOT been fully covered?