As announced in Statement on Developmental and Regulatory Policies dated February 07, 2025, Reserve Bank of India today placed on its website draft directions on Additional Factor of Authentication (AFA) for cross-border Card Not Present (CNP) transactions for public comments.

The draft directions require a card issuer to validate AFA for non-recurring cross-border CNP transaction, whenever a request for AFA is raised by the overseas merchant or the overseas acquirer.

Comments / feedback on the draft directions may be sent by email or by post to the Chief General Manager-in-Charge, Department of Payment and Settlement Systems, Reserve Bank of India, Central Office, 14th Floor, Shahid Bhagat Singh Marg, Mumbai-400001, on or before March 10, 2025.

(Puneet Pancholy)  
Chief General Manager

Additional Factor of Authentication required for cross border card not present transactions; issuers must validate on overseas request. The draft directions require a card issuer to validate AFA for non recurring cross border card not present transactions whenever an AFA request is raised by the overseas merchant or the overseas acquirer, and the draft is published for public consultation with comments invited to the designated Reserve Bank of India official within the stated comment period.