{"title":"Payments India compliance guide","category":"default","creationDate":1776961627,"content":"<p>The information here is intended to supplement Reserve Bank of India (RBI) regulations, and should <strong>not<\/strong> be taken as legal advice. It is subject to change in light of updates to the regulations.<br \/>\nThe regulations described on this page apply if you process payments with local acquiring in India. They do not apply to cross-border payments.<\/p>\n<p>If you want to start processing payments locally in India, you must:<\/p>\n<ul>\n<li>Have a local entity in India.<\/li>\n<li>Contact your Adyen account manager to complete the onboarding process for India.<\/li>\n<li>Create a separate company account for your business in India.<\/li>\n<li>Comply with regulations from the RBI surrounding the storage of payment data and recurring payments.<\/li>\n<\/ul>\n<p>The following table shows which regulations apply to which types of payments.<\/p>\n<table>\n<thead>\n<tr>\n<th style=\"text-align: left;\">Regulation<\/th>\n<th style=\"text-align: left;\">Applies to<\/th>\n<th style=\"text-align: center;\"><code>recurringProcessingModel<\/code><\/th>\n<th style=\"text-align: center;\"><code>shopperInteraction<\/code><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"text-align: left;\"><a href=\"#card-details\">Storing card details<\/a><\/td>\n<td style=\"text-align: left;\">All merchants processing card payments locally in India.<\/td>\n<td style=\"text-align: center;\">All card payments, including non-recurring payments.<\/td>\n<td style=\"text-align: center;\">All<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\"><a href=\"#cardonfile\">CardOnFile payments<\/a><\/td>\n<td style=\"text-align: left;\">Merchants processing one-off payments locally in India using a shopper's saved payment details.<\/td>\n<td style=\"text-align: center;\"><strong>CardOnFile<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>Ecommerce<\/strong>, <strong>ContAuth<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\"><a href=\"#recurring\">Recurring payments<\/a><\/td>\n<td style=\"text-align: left;\">Merchants processing recurring payments locally in India, on a fixed or non-fixed schedule.<\/td>\n<td style=\"text-align: center;\"><strong>Subscription<\/strong>, <strong>UnscheduledCardOnFile<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>Ecommerce<\/strong>, <strong>ContAuth<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2 id=\"card-details\">Storing card details<\/h2>\n<p>According to the <a href=\"https:\/\/www.rbi.org.in\/Scripts\/NotificationUser.aspx?Id=12211&amp;Mode=0\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">RBI regulations on storing card details<\/a> you are only allowed to store the following card details for transaction tracking and reconciliation purposes:<\/p>\n<ul>\n<li>The last four digits of the card number<\/li>\n<li>The name of the card issuer<\/li>\n<\/ul>\n<p>You cannot store any other card details in India.<\/p>\n<p>Because you can only store limited card details, the following details are redacted in <a href=\"\/pt\/reporting\/\">reports<\/a>:<\/p>\n<table>\n<thead>\n<tr>\n<th style=\"text-align: left;\">Report name<\/th>\n<th style=\"text-align: center;\">Columns affected<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"text-align: left;\">3D Secure Authentication<\/td>\n<td style=\"text-align: center;\">BIN<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">3D Secure Conversion<\/td>\n<td style=\"text-align: center;\">BIN<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">3D Secure Conversion<\/td>\n<td style=\"text-align: center;\">Issuer ID, Shopper Name<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">Dispute transaction details report (Multiday)<\/td>\n<td style=\"text-align: center;\">Issuer ID, Shopper Name<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">Interactive payment accounting<\/td>\n<td style=\"text-align: center;\">Card Number<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">Interactive payment accounting (Essentials)<\/td>\n<td style=\"text-align: center;\">Card Number<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">Received payment details<\/td>\n<td style=\"text-align: center;\">Issuer Id<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">External settlement detail<\/td>\n<td style=\"text-align: center;\">Card BIN<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2 id=\"cardonfile\">CardOnFile payments<\/h2>\n<p>You can accept <strong>CardOnFile<\/strong> payments for one-off payments where a shopper can either store their payment details or pay in your website or app using their saved payment details. These payments use the <a href=\"\/pt\/online-payments\/tokenization\/make-token-payments\">CardOnFile<\/a> recurring processing model.<\/p>\n<p>You must comply with the regulations <a href=\"https:\/\/www.rbi.org.in\/Scripts\/NotificationUser.aspx?Id=12159&amp;Mode=0\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">allowing only authorised card networks to tokenize cards<\/a>.<\/p>\n<h2 id=\"recurring\">Recurring payments<\/h2>\n<p><a href=\"https:\/\/www.rbi.org.in\/Scripts\/NotificationUser.aspx?Id=12341&amp;Mode=0\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">Regulations on recurring card payments<\/a> in India require you to notify the shopper before you charge their card with a recurring payment.<\/p>\n<p>You can accept the following kinds of recurring card payments, and recurring UPI payments:<\/p>\n<ul>\n<li><strong>Subscriptions<\/strong>: A recurring payment made at regular intervals for a product or a service. These payments use the <strong>Subscription<\/strong> <a href=\"\/pt\/online-payments\/tokenization\/make-token-payments#make-a-subscription-or-unscheduled-card-on-file-payment\">recurring processing model<\/a>.<\/li>\n<li><strong>Automatic top-ups<\/strong>: Contracts that occur on a non-fixed schedule using stored payment details. This includes automatic top-ups when the shopper's balance drops below a certain amount. These payments use the <strong>UnscheduledCardOnFile<\/strong> <a href=\"\/pt\/online-payments\/tokenization\/make-token-payments#make-a-subscription-or-unscheduled-card-on-file-payment\">recurring processing model<\/a>.<\/li>\n<\/ul>\n<p>To accept recurring payments in India, you need to perform some extra steps:<\/p>\n<ul>\n<li>You provide information about the shopper's billing plan in the payment request.<\/li>\n<li>Based on this information, the shopper authenticates a transaction to create a mandate with their issuer.<\/li>\n<li>Using the mandate details, you send the shopper a pre-debit notification before you charge them.<\/li>\n<li>After a cooling period of 48 hours, you can charge your shopper.<\/li>\n<\/ul>\n<p>See the pages for <a href=\"\/pt\/payment-methods\/cards\/cards-recurring-india\/\">recurring card payments in India<\/a> and <a href=\"\/pt\/payment-methods\/upi\/upi-autopay\/\">recurring UPI payments<\/a> for instructions on how to implement these requirements.<\/p>\n<h2>Payment methods<\/h2>\n<p>In addition to cards from India, the following local payment methods require that you process locally in India:<\/p>\n<ul>\n<li><a href=\"\/pt\/payment-methods\/online-banking-india\/\">Online Banking India<\/a><\/li>\n<li><a href=\"\/pt\/payment-methods\/paytm\/\">Paytm<\/a><\/li>\n<li><a href=\"\/pt\/payment-methods\/upi\/\">UPI<\/a><\/li>\n<li><a href=\"\/pt\/payment-methods\/wallets-india\/\">Wallets India<\/a><\/li>\n<\/ul>\n<h2 id=\"see-also\">See also<\/h2>\n<div class=\"see-also-links output-inline\" id=\"see-also\">\n<ul><li><a href=\"\/online-payments\/payments-india-compliance-guide\/go-live-india\"\n                        target=\"_self\"\n                        >\n                    India go-live checklist\n                <\/a><\/li><\/ul><\/div>\n","url":"https:\/\/docs.adyen.com\/pt\/online-payments\/payments-india-compliance-guide","articleFields":{"description":"When processing payments in India, you must make sure your workflows comply with RBI regulations.","feedback_component":true,"id":"34120911","type":"page","_expandable":{"operations":""},"status":"current","last_edit_on":"10-12-2021 09:57"},"algolia":{"url":"https:\/\/docs.adyen.com\/pt\/online-payments\/payments-india-compliance-guide","title":"Payments India compliance guide","content":"The information here is intended to supplement Reserve Bank of India (RBI) regulations, and should not be taken as legal advice. It is subject to change in light of updates to the regulations.\nThe regulations described on this page apply if you process payments with local acquiring in India. They do not apply to cross-border payments.\nIf you want to start processing payments locally in India, you must:\n\nHave a local entity in India.\nContact your Adyen account manager to complete the onboarding process for India.\nCreate a separate company account for your business in India.\nComply with regulations from the RBI surrounding the storage of payment data and recurring payments.\n\nThe following table shows which regulations apply to which types of payments.\n\n\n\nRegulation\nApplies to\nrecurringProcessingModel\nshopperInteraction\n\n\n\n\nStoring card details\nAll merchants processing card payments locally in India.\nAll card payments, including non-recurring payments.\nAll\n\n\nCardOnFile payments\nMerchants processing one-off payments locally in India using a shopper's saved payment details.\nCardOnFile\nEcommerce, ContAuth\n\n\nRecurring payments\nMerchants processing recurring payments locally in India, on a fixed or non-fixed schedule.\nSubscription, UnscheduledCardOnFile\nEcommerce, ContAuth\n\n\n\nStoring card details\nAccording to the RBI regulations on storing card details you are only allowed to store the following card details for transaction tracking and reconciliation purposes:\n\nThe last four digits of the card number\nThe name of the card issuer\n\nYou cannot store any other card details in India.\nBecause you can only store limited card details, the following details are redacted in reports:\n\n\n\nReport name\nColumns affected\n\n\n\n\n3D Secure Authentication\nBIN\n\n\n3D Secure Conversion\nBIN\n\n\n3D Secure Conversion\nIssuer ID, Shopper Name\n\n\nDispute transaction details report (Multiday)\nIssuer ID, Shopper Name\n\n\nInteractive payment accounting\nCard Number\n\n\nInteractive payment accounting (Essentials)\nCard Number\n\n\nReceived payment details\nIssuer Id\n\n\nExternal settlement detail\nCard BIN\n\n\n\nCardOnFile payments\nYou can accept CardOnFile payments for one-off payments where a shopper can either store their payment details or pay in your website or app using their saved payment details. These payments use the CardOnFile recurring processing model.\nYou must comply with the regulations allowing only authorised card networks to tokenize cards.\nRecurring payments\nRegulations on recurring card payments in India require you to notify the shopper before you charge their card with a recurring payment.\nYou can accept the following kinds of recurring card payments, and recurring UPI payments:\n\nSubscriptions: A recurring payment made at regular intervals for a product or a service. These payments use the Subscription recurring processing model.\nAutomatic top-ups: Contracts that occur on a non-fixed schedule using stored payment details. This includes automatic top-ups when the shopper's balance drops below a certain amount. These payments use the UnscheduledCardOnFile recurring processing model.\n\nTo accept recurring payments in India, you need to perform some extra steps:\n\nYou provide information about the shopper's billing plan in the payment request.\nBased on this information, the shopper authenticates a transaction to create a mandate with their issuer.\nUsing the mandate details, you send the shopper a pre-debit notification before you charge them.\nAfter a cooling period of 48 hours, you can charge your shopper.\n\nSee the pages for recurring card payments in India and recurring UPI payments for instructions on how to implement these requirements.\nPayment methods\nIn addition to cards from India, the following local payment methods require that you process locally in India:\n\nOnline Banking India\nPaytm\nUPI\nWallets India\n\nSee also\n\n\n                    India go-live checklist\n                \n","type":"page","locale":"pt","boost":18,"hierarchy":{"lvl0":"Home","lvl1":"Online payments","lvl2":"Payments India compliance guide"},"hierarchy_url":{"lvl0":"https:\/\/docs.adyen.com\/pt","lvl1":"https:\/\/docs.adyen.com\/pt\/online-payments","lvl2":"\/pt\/online-payments\/payments-india-compliance-guide"},"levels":3,"category":"Online Payments","category_color":"green","tags":["Payments","India","compliance","guide"]}}