Overview
- The Reserve Bank of India, which issued the Digital Payments – E‑mandate Framework, 2026 on Tuesday, extended the rules to domestic and cross‑border recurring payments on cards, prepaid instruments, and UPI.
- Recurring debits can go through without additional factor authentication up to ₹15,000 per transaction, with a higher no‑AFA cap of up to ₹1,00,000 for insurance premiums, mutual fund subscriptions, and credit card bill payments.
- Customers can set fixed or capped variable mandates, opt out of a single debit or the entire mandate at any time, and every registration, change, or withdrawal must pass extra authentication.
- Issuers must send a pre‑debit alert at least 24 hours before each charge with key details, while auto‑top‑ups for FASTag and National Common Mobility Card do not need this advance notice.
- Providers must map mandates to reissued cards, refrain from charging customers for the facility, offer clear grievance redress, and apply RBI’s existing limits on customer liability for unauthorised transactions.