RBI’s e-mandate requires extra authentication for recurring card payments by Indian banks. Learn who’s affected, what to do if declined, and how to manage payments.
In this article
- What are the rules set by the Reserve Bank of India (RBI) on recurring payments?
- Who is impacted by the Reserve Bank of India's e-mandate?
- What happens if my payment is declined due to the Reserve Bank of India's e-mandate?
- What if I didn’t receive a notification from my Indian bank to approve the recurring transaction?
- Does the Reserve Bank of India's e-mandate on recurring transactions affect my other, non-recurring transactions?
- Can I opt-out of the Reserve Bank of India's e-mandate on recurring transactions?
What are the rules set by the Reserve Bank of India (RBI) on recurring payments?
The RBI has set an e-mandate on credit and debit cards for recurring transactions.
As a result of this mandate, there may an additional step of authentication for recurring transactions for cards issued by an Indian bank. Please visit their website for more information.
Who is impacted by the Reserve Bank of India's e-mandate?
All card users who have a credit or debit card issued by an Indian bank.
What happens if my payment is declined due to the Reserve Bank of India's e-mandate?
We'll automatically attempt to re-charge your credit or debit card to see if the payment will go through. However, if we can't successfully charge it, we may place a hold on your account until any past-due payments are made. You can check and pay your balance at any time — learn more about paying an outstanding balance.
What if I didn’t receive a notification from my Indian bank to approve the recurring transaction?
If you didn’t get a notification from your bank, it’s best to contact them directly. They can explain how you’ll need to approve or authenticate future recurring charges under the Reserve Bank of India’s e-mandate rules.
Does the Reserve Bank of India's e-mandate on recurring transactions affect my other, non-recurring transactions?
No, this should only impact recurring payments. One-time payments to Upwork should be fine.
Can I opt-out of the Reserve Bank of India's e-mandate on recurring transactions?
Please check with the bank that issued your card — we don’t know what options may be available for you.