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    <title>Additional Factor of Authentication (AFA) for cross-border Card Not Present (CNP) transactions – Draft Directions</title>
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    <description>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.</description>
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