India's RBI implements E-mandate framework for recurring digital payments
Payment system operations teams must apply e‑mandate checks immediately
Change
RBI directed all Payment System Providers and Payment System Participants to comply immediately with the Digital Payments – E-mandate Framework, 2026, setting a ₹15,000 no-OTP threshold for recurring transactions (₹1 lakh for insurance, mutual funds, and credit card payments), mandatory 24-hour pre-debit notifications, and zero-liability coverage for unauthorised e-mandate debits.
Why it matters
These Directions are issued under Sections 10(2) and 18 of the Payment and Settlement Systems Act, 2007, making adherence mandatory for the named providers. Authentication and role definitions for e‑mandate processing must follow RBI's 2025 Authentication Directions and the Master Direction on Regulation of Payment Aggregators, making those standards binding in mandate workflows.
Implications
- — Payment system operations teams at Payment System Providers and Payment System Participants must implement e‑mandate registration, revocation, first‑transaction and recurring‑transaction processing workflows and the prescribed pre‑ and post‑transaction notification checks immediately — failure risks enforcement action under the Payment and Settlement Systems Act, 2007.
- — Compliance and risk teams at Payment System Providers and Payment System Participants must retain and produce records evidencing conformity with the Directions immediately on request — failure to produce required records exposes firms to regulatory enforcement and licence action.
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Source
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