Payments providers have been requested by RBI to monitor unusual transactions that may be used to sway elections. The Election Commission's concerns regarding the digital distribution of funds during elections have been brought up by the RBI.

"A number of electronic payment methods have the ability to be utilized to send money to candidates running for office or to sway public opinion. The RBI stated in its statement that "the ECI has brought up this concern and suggested that appropriate action, as required, may be taken." The states mentioned in the letter are those included in the first round of voting: Andhra Pradesh, Arunachal Pradesh, Odisha, and Sikkim

Traditionally, banks have been responsible for keeping an eye on questionable transactions. On the other hand, consumers may now transfer money to several accounts by using various accounts due to the inclusion of payment system operators. This allows for the splicing of the monies, often known as smurfing, which permits the movement of cash without raising red flags related to money laundering.

The Election Commission has been using a standard operating process to monitor cash disbursement. This included setting up stationary surveillance teams, flying squads, and video-capturing events. This time, though, the EC has voiced concerns over the bribery of voters through digital payments.