New Delhi, Aug. 31 -- A social media post by a credit-card user has raised questions about why a bank may seek additional confirmation for a payment even after the transaction has been authenticated through an OTP.

Sandeep Hegde said on X that he paid Rs.1,05,411 towards his HDFC Bank credit-card bill, entered the OTP and received the usual confirmation that the payment had gone through. He said that within minutes, he received multiple calls and WhatsApp messages asking him to confirm the same payment.

Hegde questioned why an additional confirmation was required after OTP authentication and argued that repeated bank messages asking customers to confirm transactions could make genuine alerts look similar to scam messages. Mint has reach...