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Big Change in UPI Rules: Payments via PhonePe, Google Pay, Paytm to Require Two-Step Verification
A major change in UPI rules has come into effect for digital payment users from April 1, 2026. The RBI has mandated two-step verification to ensure secure UPI transactions. Now, along with the UPI PIN, verification will also be required via OTP, fingerprint, or face unlock.
Something big is going to change from today, i.e., April 1, 2026, for all the digital payment users in the country. If you are a user of UPI-based payment apps like PhonePe, Google Pay, or Paytm, then the news is very important to you.
The Reserve Bank of India (RBI) has initiated a new rule from today, which will make the payment via UPI apps more secure. Now, the payment will not be completed just by entering the UPI PIN.
According to the new rule that came into effect today, two-factor authentication (2FA) has been made mandatory for all UPI payments. This means that while you'll need to enter your UPI PIN as before, you'll also need to complete another verification step.
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The next step can be an OTP, fingerprint, or face unlock. In other words, you will need to authenticate the payment via your PIN, OTP, fingerprint, or face unlock. The payment will only be made after completing the two steps.
It's being said that this new rule will impact all major UPI platforms, such as PhonePe, Google Pay, and Paytm. Users will now have to complete an extra step for every transaction, which may slow down payments slightly.
However, this will significantly strengthen security. Additionally, update all UPI apps on your phone. This will ensure the new system works smoothly on your phone.
