Why OTP Alone Won't Work Anymore: RBI's New Digital Payment Rules Explained (2026)

By Amit Kumar · 8 min read

Starting April 1, 2026, India's digital payment ecosystem has entered a major new phase.

The Reserve Bank of India (RBI) has introduced stricter rules to combat rising fraud and strengthen user protection across UPI, cards, and mobile wallets.

These changes directly impact how millions of Indians ma.

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