New RBI rules on how digital payments are authenticated
RBIIn effectApplies from 1 Apr 2026
By Clarifee teamAnnounced Last checked
RBI allows authentication factors beyond SMS OTP (OTP isn’t discontinued), lets issuers add risk-based checks, and requires card issuers to support extra checks on overseas card-not-present payments when the merchant asks.
What it means for you
Checkout authentication steps may change; banks and apps had to comply by 1 Apr 2026.
Official sources
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