{"id":218505,"date":"2019-08-22T16:35:50","date_gmt":"2019-08-22T11:05:50","guid":{"rendered":"https:\/\/www.scconline.com\/blog\/?p=218505"},"modified":"2019-08-22T14:38:33","modified_gmt":"2019-08-22T09:08:33","slug":"rbi-processing-of-e-mandate-on-cards-for-recurring-transactions","status":"publish","type":"post","link":"https:\/\/www.scconline.com\/blog\/post\/2019\/08\/22\/rbi-processing-of-e-mandate-on-cards-for-recurring-transactions\/","title":{"rendered":"RBI | Processing of e-mandate on cards for recurring transactions"},"content":{"rendered":"<p style=\"text-align: justify;\">The Reserve Bank of India (RBI) has, over the past decade, put in place various safety and security measures for card payments, including the requirement of Additional Factor of Authentication (AFA), especially for \u2018card-not-present\u2019 transactions. Recurring transactions based on standing instructions given to the merchants by the cardholders were brought within the ambit of AFA, vide\u00a0<a class=\"links\" href=\"https:\/\/www.rbi.org.in\/Scripts\/NotificationUser.aspx?Id=6657&amp;Mode=0\" target=\"_blank\" rel=\"noopener noreferrer\">RBI\u2019s circular DPSS.PD.CO.No.223\/02.14.003\/2011-2012 dated August 4, 2011<\/a>.<\/p>\n<p style=\"text-align: justify;\">2. The RBI has been receiving requests from industry stakeholders to allow processing of e-mandate on cards for recurring transactions with AFA during e-mandate registration and first transaction, and simple\/automatic subsequent successive transactions. <span style=\"color: #0000ff;\">Keeping in view the changing payment needs and the requirement to balance the safety and security of card transactions with customer convenience, it has been decided to permit processing of e-mandate on cards for recurring transactions (merchant payments) with AFA during e-mandate registration, modification and revocation, as also for the first transaction, and simple \/ automatic subsequent successive transactions<\/span>, subject to conditions listed in the <a class=\"links\" href=\"https:\/\/www.rbi.org.in\/Scripts\/NotificationUser.aspx?Id=11668&amp;Mode=0#AN1\">Annex<\/a>.<\/p>\n<p style=\"text-align: justify;\">3. <span style=\"color: #ff0000;\">This circular is applicable for transactions performed using all types of cards \u2013 debit, credit and Prepaid Payment Instruments (PPIs), including wallets<\/span>.<\/p>\n<p style=\"text-align: justify;\">4. The maximum permissible limit for a transaction under this arrangement shall be ? 2,000\/-.<\/p>\n<p style=\"text-align: justify;\">5. All other instructions related to card transactions shall be applicable on these e-mandate based recurring card transactions.<\/p>\n<p style=\"text-align: justify;\">6. No charges shall be levied or recovered from the cardholder for availing the e-mandate facility on cards for recurring transactions.<\/p>\n<p style=\"text-align: justify;\">7. This directive, issued under Section 10 (2) read with Section 18 of Payment and Settlement Systems Act, 2007 (Act 51 of 2007), will come into effect from September 1, 2019.<\/p>\n<hr \/>\n<p>RBI\/2019-20\/47<br \/>\nDPSS.CO.PD.No.447\/02.14.003\/2019-20<\/p>\n<p style=\"text-align: right;\"><strong>Notification dt. 21-08-2019<\/strong><\/p>\n<p style=\"text-align: right;\"><strong>Reserve Bank of India<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Reserve Bank of India (RBI) has, over the past decade, put in place various safety and security measures for card payments, <\/p>\n","protected":false},"author":8808,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[4,1193],"tags":[37209,37208,37210],"class_list":["post-218505","post","type-post","status-publish","format-standard","hentry","category-legislationupdates","category-notifications","tag-e-mandate","tag-recurring-transactions","tag-safety-and-security-measures-for-card-payments"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.4 (Yoast SEO v26.4) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>RBI | Processing of e-mandate on cards for recurring transactions | SCC Times<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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The framework incorporates the feedback received from the pilot experiments on offline transactions conducted in different parts of the country during the period from September 2020 to June 2021. The Framework\u2026","rel":"","context":"In &quot;Legislation Updates&quot;","block_context":{"text":"Legislation Updates","link":"https:\/\/www.scconline.com\/blog\/post\/category\/legislationupdates\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/08\/rbi_2.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/08\/rbi_2.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/08\/rbi_2.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/08\/rbi_2.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/08\/rbi_2.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":269111,"url":"https:\/\/www.scconline.com\/blog\/post\/2022\/06\/27\/rbi-encourages-cardholders-to-tokenize-their-cards-for-their-own-safety-extends-card-tokenisation-deadline-by-three-months\/","url_meta":{"origin":218505,"position":1},"title":"RBI encourages cardholders to tokenize their cards for their own safety; Extends card tokenisation deadline by three months","author":"Editor","date":"June 27, 2022","format":false,"excerpt":"The Reserve Bank of India (RBI) has extended the deadline for tokenisation of debit and credit cards by another three months to September 30, 2022. The RBI had earlier set a deadline of June 30, whereby merchants and payment aggregators had to delete all card details and replace it with\u2026","rel":"","context":"In &quot;Hot Off The Press&quot;","block_context":{"text":"Hot Off The Press","link":"https:\/\/www.scconline.com\/blog\/post\/category\/news\/hot_off_the_press\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/08\/rbi_2.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/08\/rbi_2.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/08\/rbi_2.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/08\/rbi_2.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/08\/rbi_2.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":7228,"url":"https:\/\/www.scconline.com\/blog\/post\/2015\/06\/24\/finance-ministry-issued-draft-proposals-for-facilitating-electronic-transactions\/","url_meta":{"origin":218505,"position":2},"title":"Finance Ministry issued draft proposals for facilitating Electronic Transactions","author":"Sucheta","date":"June 24, 2015","format":false,"excerpt":"On 22 June 2015, the Ministry of Finance issued draft proposals for facilitating electronic transaction in pursuance of the announcement made by the Finance Minister in his budget speech for the Union Budget 2015-2016 that: \u201cOne way to curb the flow of black money is to discourage transactions in cash.\u2026","rel":"","context":"In &quot;Legislation Updates&quot;","block_context":{"text":"Legislation Updates","link":"https:\/\/www.scconline.com\/blog\/post\/category\/legislationupdates\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":216291,"url":"https:\/\/www.scconline.com\/blog\/post\/2019\/07\/01\/storage-of-payment-system-data-clarification-issued-by-rbi-to-ensure-expeditious-compliance-by-payment-system-operators\/","url_meta":{"origin":218505,"position":3},"title":"Storage of Payment System Data | Clarification issued by RBI to ensure expeditious compliance by Payment System Operators","author":"Bhumika Indulia","date":"July 1, 2019","format":false,"excerpt":"Reserve Bank of India through circular\u00a0DPSS.CO.OD.No 2785\/06.08.005\/2017-18 dated April 06, 2018 had issued a few directions to ensure better monitoring, it is important to have unfettered supervisory access to data stored with these system providers as also with their service providers\/intermediaries\/ third party vendors and other entities in the payment\u2026","rel":"","context":"In &quot;Legislation Updates&quot;","block_context":{"text":"Legislation Updates","link":"https:\/\/www.scconline.com\/blog\/post\/category\/legislationupdates\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":216351,"url":"https:\/\/www.scconline.com\/blog\/post\/2019\/07\/02\/rbi-neft-and-rtgs-charges-to-be-wived-off\/","url_meta":{"origin":218505,"position":4},"title":"RBI | NEFT and RTGS charges to be waived off","author":"Bhumika Indulia","date":"July 2, 2019","format":false,"excerpt":"National Electronic Funds Transfer (NEFT) and Real Time Gross Settlement (RTGS) systems \u2013 Waiver of charges The Reserve Bank has since reviewed the various charges levied by it on the member banks for transactions processed in the RTGS and NEFT systems. In order to provide an impetus to digital funds\u2026","rel":"","context":"In &quot;Legislation Updates&quot;","block_context":{"text":"Legislation Updates","link":"https:\/\/www.scconline.com\/blog\/post\/category\/legislationupdates\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":259092,"url":"https:\/\/www.scconline.com\/blog\/post\/2021\/12\/27\/rbi-issues-restriction-on-storage-of-actual-card-data\/","url_meta":{"origin":218505,"position":5},"title":"RBI issues restriction on storage of actual card data","author":"Bhumika Indulia","date":"December 27, 2021","format":false,"excerpt":"On December 23, 2021, the Reserve Bank of India (RBI) has issued a notification on Restriction on storage of actual card data [i.e. Card-on-File (CoF)] \u00a0 Key points: Timeline for storing of CoF data is extended by six months, which is now till June 30, 2022; In addition to tokenisation,\u2026","rel":"","context":"In &quot;Legislation Updates&quot;","block_context":{"text":"Legislation Updates","link":"https:\/\/www.scconline.com\/blog\/post\/category\/legislationupdates\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/08\/rbi_2.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/08\/rbi_2.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/08\/rbi_2.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/08\/rbi_2.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/08\/rbi_2.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]}],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts\/218505","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/users\/8808"}],"replies":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/comments?post=218505"}],"version-history":[{"count":0,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts\/218505\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/media?parent=218505"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/categories?post=218505"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/tags?post=218505"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}