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

31 Aug 2026 · 31 Aug 2026

An X user questioned why HDFC Bank sought additional confirmation after he authenticated a ₹1.05 lakh credit-card payment with an OTP. RBI rules allow banks to use risk-based security measures and adaptive authentication for digital payments.

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