The following guide may help you determine whether your business is affected 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 for < INR 15,000, off-session and with an India-issued card > You can avoid AFA on the recurring payments by integrating with Stripe Billing to create an e-mandate at the time the subscription is created.
  • Yes, the payment is for > INR 15,000, off-session and with an India-issued card > You must bring the user back on-session with AFA to process this payment every time.