The Reserve Bank of India has updated its e-mandate framework to make recurring digital payments smoother and more user-friendly.
Under the new rules, auto-debits up to ₹15,000 will no longer require OTP authentication, making subscriptions and bill payments seamless.
However, transactions above ₹15,000 will still need additional authentication, ensuring security for higher-value payments.
Users must still complete a one-time registration with authentication, after which recurring payments can proceed automatically within the limit.
To maintain safety, the RBI has made it mandatory for banks to send pre-debit alerts at least 24 hours before the transaction, along with post-debit notifications.
Customers will also have the option to cancel or opt out of a payment before it is processed, giving them greater control over recurring transactions.
The new framework applies across UPI, debit/credit cards, and prepaid payment instruments, covering both domestic and cross-border transactions.Overall, the move aims to reduce friction in digital payments while maintaining strong consumer protection and transparency.
