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IndiaUPI, RBI and the 2027 liability framework.
SingaporePayNow and the Shared Responsibility Framework.
MalaysiaDuitNow and BNM’s anti-scam measures.
The PhilippinesInstaPay, AFASA and Circular 1213.
AustraliaPayTo and the Scams Prevention Framework.
The UAEAani and the move off SMS OTP.
Saudi Arabiasarie and SAMA’s Counter-Fraud Framework.
The rule map
India
UPI fraud preventionA UPI payment, step by step, on the customer’s phone.
RBI’s Authentication Directions, 2025In force since 1 April 2026.
RBI’s 2027 liability frameworkApplies to digital transactions from 1 January 2027.
SIM binding, device binding and SNVWhat NPCI and DoT ask of the app, and how each is met.
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SIM binding

SIM binding ties an account or app to the SIM registered for it, and checks again whenever the SIM is removed, swapped or moved to another phone.

Glossary, A to Z

UPI apps already bind to the SIM. In November 2025 India’s Department of Telecommunications directed messaging apps to work only while the registered SIM is present and active, with a deadline reported as 31 December 2026.

Source: The Hacker News, Dec 2025 (opens in a new tab), press report

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