With the Reserve Bank of India's Authentication Mechanisms for Digital Payment Transactions Directions, 2025 now in force (effective April 1, 2026), every domestic digital payment transaction requires strong two-factor authentication (2FA). The RBI's mandate is clear: protect users from fraud, ensure at least one dynamic factor for payment transactions.
The good news? You can achieve full compliance quickly and elegantly by implementing app-based TOTP (Time-based One-Time Password) as your second factor. This approach meets the RBI's requirements head-on, delivers superior security over legacy methods, and provides a seamless user experience directly within your mobile app.
