The Reserve Bank of India (RBI) has issued the Digital Payments E-Mandate Framework 2026, standardising rules for recurring digital payments.
- Coverage: Cards, Unified Payments Interface (UPI) and prepaid payment instruments.
- Registration: One-time registration with Additional Factor of Authentication (AFA).
- Limits without AFA: Up to ₹15,000; for insurance, mutual funds and credit card bills the limit is ₹1 lakh.
- Customer safeguards: Pre-debit notification 24 hours in advance, with an option to opt out.
- Cost: No charges for using the e-mandate facility, improving transparency.