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.
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Is the transaction being paid by a card issued by an Indian bank?
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No, this is a non-India issue card > the payment is not affected.
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Yes > Go to the next question.
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Is the transaction off-session i.e., is the payment happening without the direct involvement of the customer, using previously-collected payment information?
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No, the user is on session and initiating the payment > the payment is not affected.
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Yes > Go to the next question.
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Is the transaction presented in INR?
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No, this is a non-INR transaction > You must bring the user back on-session with AFA to process this payment.
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Yes > Go to the next question.
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Is the transaction value greater than INR 5000?
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No, the payment is < INR 5000, off-session, and with an India issued card > Currently, you must bring the user back on-session with AFA to process this payment. In the future, these payments will not need AFA.
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Yes, the payment is > INR 5000, off-session, and with an IN issued card > You must bring the user back on-session with AFA to process this payment every time.
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