{"id":382184,"date":"2026-04-24T10:00:28","date_gmt":"2026-04-24T04:30:28","guid":{"rendered":"https:\/\/www.scconline.com\/blog\/?p=382184"},"modified":"2026-04-28T16:29:35","modified_gmt":"2026-04-28T10:59:35","slug":"rbi-issues-digital-payments-e-mandate-framework-2026","status":"publish","type":"post","link":"https:\/\/www.scconline.com\/blog\/post\/2026\/04\/24\/rbi-issues-digital-payments-e-mandate-framework-2026\/","title":{"rendered":"RBI Notifies Digital Payments \u2014 E-mandate Framework, 2026"},"content":{"rendered":"<div style=\"text-align: justify; line-height: 150%;\">\n<p style=\"margin-bottom: 3%;\">On 21 April 2026, the <span style=\"font-weight: bold;\">Reserve Bank of India<\/span> (RBI) notified the <span style=\"font-weight: bold;\">Digital Payments &#8211; E-mandate Framework, 2026<\/span>, consolidating all existing circulars on e-mandates for recurring digital transactions<\/p>\n<h3>Key Points of Digital Payments &#8211; E-mandate Framework, 2026:<\/h3>\n<ol style=\"list-style-type: decimal;\">\n<li>\n<p>The framework is <span style=\"font-weight: bold;\">effective immediately<\/span> and applies to all payment system providers and participants processing recurring domestic and cross-border transactions using <span style=\"font-weight: bold;\">cards, PPIs, and UPI<\/span>.<\/p>\n<\/li>\n<li>\n<p>Registration, modification, or withdrawal of an e-mandate requires <span style=\"font-weight: bold;\">Additional Factor of Authentication (AFA)<\/span>, ensuring strong customer consent and security.<\/p>\n<\/li>\n<li>\n<p>Issuers are required send <span style=\"font-weight: bold;\">pre-transaction notifications<\/span> at least <span style=\"font-weight: bold;\">24 hours<\/span> before debit and <span style=\"font-weight: bold;\">post-transaction notifications<\/span> after debit, with clear transaction details and opt-out options.<\/p>\n<\/li>\n<li>\n<p>Recurring transactions up to <span style=\"font-weight: bold;\">&#8377;15,000 per transaction<\/span> are permitted without AFA, with higher limits allowed for specified payments such as insurance premiums, mutual funds, and credit card bill payments.<\/p>\n<\/li>\n<li>\n<p>Every e-mandate should specify a <span style=\"font-weight: bold;\">validity period<\/span>, and customers will be allowed to modify or withdraw the e-mandate at any time, subject to AFA.<\/p>\n<\/li>\n<li>\n<p>E-mandates may be registered for <span style=\"font-weight: bold;\">fixed or variable amounts<\/span>; in the case of variable mandates, customers will be allowed to set a maximum transaction value.<\/p>\n<\/li>\n<li>\n<p><span style=\"font-weight: bold;\">Pre-transaction notification is not required<\/span> for e-mandates registered for automatic replenishment of FASTag and National Common Mobility Card (NCMC) balances.<\/p>\n<\/li>\n<li>\n<p>Acquirers are required to ensure <span style=\"font-weight: bold;\">merchant compliance<\/span> with the provisions of the framework.<\/p>\n<\/li>\n<li>\n<p><span style=\"font-weight: bold;\">No charges will be levied<\/span> on customers for availing the e-mandate facility for recurring transactions.<\/p>\n<\/li>\n<li>\n<p style=\"margin-bottom: 3%;\">The framework mandates grievance redressal mechanisms and <span style=\"font-weight: bold;\">repeals all earlier RBI circulars<\/span>, creating a <span style=\"font-weight: bold;\">single, consolidated regulatory framework<\/span>.<\/p>\n<\/li>\n<\/ol>\n<p style=\"margin-bottom: 3%;\"><span style=\"font-weight: bold;\">Also Read:<\/span> <a href=\"https:\/\/www.scconline.com\/blog\/post\/2025\/12\/02\/rbi-issues-directions-and-notifications-2025\/\" target=\"_blank\">RBI&#8217;s Comprehensive Framework of 244 Directions: Strengthening Governance, Compliance, and Financial Stability<\/a><\/p>\n<p style=\"margin-bottom: 3%;\"><span style=\"font-weight: bold;\">Read More:<\/span> <a href=\"https:\/\/www.scconline.com\/blog\/post\/2025\/05\/14\/rbi-digital-lending-directions-legal-news\/\" target=\"_blank\">RBI Shapes the Future of Digital Lending<\/a><\/p>\n<p style=\"margin-bottom: 3%;\">[<span style=\"font-weight: bold; color: #632423;\"><a href=\"http:\/\/www.scconline.com\/DocumentLink\/tU6aXtba\" target=\"_blank\">Digital Payments &#8212; E-mandate Framework, 2026<\/a>, dt. on 21-4-2026<\/span>]<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p style=\"font-style: italic;\">RBI has notified the Digital Payments&#8212; E-mandate Framework, 2026 for recurring transactions.<\/p>\n","protected":false},"author":67525,"featured_media":382185,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[4,1193],"tags":[102936,102933,29861,102938,102937,2611,102939,102934,102935,2732],"class_list":["post-382184","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-legislationupdates","category-notifications","tag-afa-authentication","tag-digital-payments-e-mandate-framework-2026","tag-grievance-redressal-mechanism","tag-payment-system-providers-rbi","tag-pre-transaction-notification","tag-RBI","tag-rbi-digital-payments","tag-rbi-e-mandate-framework","tag-recurring-digital-transactions","tag-Reserve_Bank_of_India"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ 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