Desk. If you make payment through UPI based digital payment or other online mode for shopping, then you should know this news. In fact, from April 1, 2026, RBI is changing the safety rules of digital payment. Now OTP alone will not be enough for online transactions and users making online payments will have to use two-factor authentication i.e. 2FA. In simple words, there will be double security layer in every transaction and users will be able to make payment only after new options like PIN or biometrics along with OTP. With its help, the cunningness of cyber thugs can be controlled. This order was issued in September 2025 whose deadline is 1 April 2026 i.e. 2 days later.
From April 1, there will be two different layers of security for digital payments, such as in the first step, users will have to enter the pre-set PIN or password while making digital payments. In the next step i.e. the second security layer, a new authentication process will be implemented for the safety of your money such as OTP can be asked or biometric updates like face scan or fingerprint can be asked. Apart from this, authentication of the device through which payment is being made can also be asked. However, you have nothing to worry about because this two-factor authentication i.e. 2FA is being implemented only for your financial security. This will not be done in one way every time, rather this authentication will be done in different ways which include these factors, know-
In what ways will two-factor authentication be done?
Nowadays, cyber fraud or digital fraudsters have found ways to manipulate even online transactions done through just an OTP or PIN. That is why this double safety layer is being implemented so that the hard-earned money of the common people can be kept safe. If users make a big payment or a payment which is different from their online transaction pattern, then the bank will allow this payment to be completed only through two-factor authentication i.e. 2FA.
