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X user questions extra verification after OTP for ₹1.05 lakh credit-card payment; what RBI rules say
Aug 31, 2026
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X user questions extra verification after OTP for ₹1.05 lakh credit-card payment; what RBI rules say

An X user questioned why HDFC Bank sought extra confirmation after he authenticated a ₹1.05 lakh credit-card payment with an OTP. RBI rules allow banks to use risk-based security measures for digital payments. However, the framework does not require a second confirmation for every transaction that passed OTP authentication.

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