RBI issues e-mandate framework for digital payments
In April 2026, the Reserve Bank of India (RBI) released the new ‘Digital Payments – E-mandate Framework, 2026’ consolidating the existing regulations while introducing stricter safeguards, clearer notification and greater flexibility for users.
Applicable to: The directions shall be applicable to all payment system providers and payment system participants.
Applicable Channels: The new rules apply across:
In April 2026, the Reserve Bank of India (RBI) released the new ‘Digital Payments – E-mandate Framework, 2026’ consolidating the existing regulations while introducing stricter safeguards, clearer notification and greater flexibility for users.
Applicable to: The directions shall be applicable to all payment system providers and payment system participants.
Applicable Channels: The new rules apply across:
- Unified Payment Interface (UPI) auto-pay
- Debit and Credit cards
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- Prepaid Payment Instruments (PPI)
Electronic-Mandate (E-Mandate)
Registration: The following guidelines define the rules for e-mandate registration and management:
- A customer must complete one-time registration with Additional Factor Authorisation (AFA) validation to set up e-mandate.
- Every e-mandate registered by the issuer shall specify the validity period of the e-mandate.
- An e-mandate can be for a fixed or variable amount, with a cap and option to set a maximum limit for recurring transactions.
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