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In a significant step toward fighting digital payment fraud, the Reserve Bank of India (RBI) on April 9, 2026, published a discussion paper that suggests a one-hour delay on account-to-account greater than ₹10,000 transfers through fast-payment systems such as UPI. This is aimed at authorized push payment (APP) fraud; the victims are duped into sending money, and there is no simple process of a chargeback.

Only 45 percent of transactions are more than ₹10,000, which claims almost 98.5 percent of the value of fraud. The account of the payer would be tentatively debited during the one-hour margin, which allows the instant cancellation in case of any suspicion of fraud. Merchant payments, recurring mandates, and low-value transactions would not be subject to delay to prevent interrupting the everyday use.

Additional suggestions also cover additional authentication with the blame of unguarded users such as the elderly, a customer kill switch to cut off the digital channels immediately, and caps on credits given to suspicious accounts. Final implementation is not yet put into effect, but it is open to public comments till May 8, 2026. This friction is being place