The following guide can help you determine if your business is impacted by the RBI directive on the processing of e-mandates for recurring transactions, including subscriptions and bill payments.

• Does the payment involve a card issued by an Indian bank?

  • No, this is not a card issued by an Indian bank > the payment is not affected.

  • Yes > Go to the next question.

• Is the transaction off-session i.e., is the payment happening without the direct involvement of the customer, using previously-collected payment information?

  • No, the user is on session and initiating the payment > the payment is not affected.

  • Yes > Go to the next question.

• Is the transaction value greater than INR 15,000?

  • No, the payment is < INR 15,000, off-session, and with an India issued card > You can avoid AFA on the recurring payments by integrating with our updated APIs to create an e-mandate at the time the subscription is created.

  • Yes, the payment is > INR 15,000, off-session, and with an IN issued card > You must bring the user back on-session with AFA to process this payment every time.