The pages in this section serve as a guide to Reserve Bank of India (RBI) regulations that require integration and/or configuration changes to process payments locally in India. The information on these pages is subject to change in light of updates to the regulations. The information here is intended to supplement these regulations, and should not be taken as legal advice.
The regulations and changes described on these pages apply if you are processing transactions via local acquiring in India. They do not apply to cross-border transactions.
If you do not use local acquiring in India, but do process cross-border recurring payments from shoppers in India, you may experience lower authorization rates. We recommend that you monitor your traffic.
| Regulation | Applies to | recurringProcessingModel |
shopperInteraction |
Regulatory deadline |
|---|---|---|---|---|
| Card details storage prohibition | All merchants processing card payments locally in India. | All card payments, including non-recurring payments. | All | 30 September 2022 |
| CardOnFile payments | Merchants processing one-off payments locally in India using a shopper's saved payment details. | CardOnFile | Ecommerce, ContAuth | 30 September 2022 |
| Recurring payments | Merchants processing recurring payments locally in India, on a fixed or non-fixed schedule. | Subscription, UnscheduledCardOnFile | Ecommerce, ContAuth | 30 September 2021 |