{"id":39132,"date":"2026-08-27T16:21:32","date_gmt":"2026-08-27T10:51:32","guid":{"rendered":"https:\/\/blogrevamp.cashfree.com\/?p=39132"},"modified":"2026-08-27T17:42:14","modified_gmt":"2026-08-27T12:12:14","slug":"reserve-bank-of-india-rbi-mandate-reshapes-cross-border-card-payments-into-india","status":"publish","type":"post","link":"https:\/\/blogrevamp.cashfree.com\/reserve-bank-of-india-rbi-mandate-reshapes-cross-border-card-payments-into-india\/","title":{"rendered":"Reserve Bank of India (RBI) Mandate Reshapes Cross-Border Card Payments into India"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_81 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a9efc8741389\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #364250;color:#364250\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #364250;color:#364250\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a9efc8741389\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/blogrevamp.cashfree.com\/reserve-bank-of-india-rbi-mandate-reshapes-cross-border-card-payments-into-india\/#Understanding_the_RBI_Guideline\" >Understanding the RBI Guideline<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/blogrevamp.cashfree.com\/reserve-bank-of-india-rbi-mandate-reshapes-cross-border-card-payments-into-india\/#Who_is_responsible_for_what\" >Who is responsible for what?<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/blogrevamp.cashfree.com\/reserve-bank-of-india-rbi-mandate-reshapes-cross-border-card-payments-into-india\/#Non-recurring_transactions\" >Non-recurring transactions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/blogrevamp.cashfree.com\/reserve-bank-of-india-rbi-mandate-reshapes-cross-border-card-payments-into-india\/#Recurring_transactions_%E2%80%94_the_second_asymmetry\" >Recurring transactions \u2014 the second asymmetry<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/blogrevamp.cashfree.com\/reserve-bank-of-india-rbi-mandate-reshapes-cross-border-card-payments-into-india\/#Understanding_the_Impact\" >Understanding the Impact<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/blogrevamp.cashfree.com\/reserve-bank-of-india-rbi-mandate-reshapes-cross-border-card-payments-into-india\/#Non-Recurring_Cross-Border_CNP_Transactions\" >Non-Recurring Cross-Border CNP Transactions<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/blogrevamp.cashfree.com\/reserve-bank-of-india-rbi-mandate-reshapes-cross-border-card-payments-into-india\/#What_Happens_Today\" >What Happens Today<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/blogrevamp.cashfree.com\/reserve-bank-of-india-rbi-mandate-reshapes-cross-border-card-payments-into-india\/#What_to_do\" >What to do<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/blogrevamp.cashfree.com\/reserve-bank-of-india-rbi-mandate-reshapes-cross-border-card-payments-into-india\/#Subscriptions_and_recurring_payments\" >Subscriptions and recurring payments<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/blogrevamp.cashfree.com\/reserve-bank-of-india-rbi-mandate-reshapes-cross-border-card-payments-into-india\/#What_Changes\" >What Changes<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\n<figure class=\"wp-block-image size-large\"><img data-recalc-dims=\"1\" fetchpriority=\"high\" decoding=\"async\" width=\"770\" height=\"291\" data-attachment-id=\"39135\" data-permalink=\"https:\/\/blogrevamp.cashfree.com\/reserve-bank-of-india-rbi-mandate-reshapes-cross-border-card-payments-into-india\/image-141\/\" data-orig-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2026\/08\/image-1.png?fit=1486%2C562&amp;ssl=1\" data-orig-size=\"1486,562\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"image\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2026\/08\/image-1.png?fit=770%2C291&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2026\/08\/image-1.png?resize=770%2C291&#038;ssl=1\" alt=\"\" class=\"wp-image-39135\" style=\"aspect-ratio:2.641304347826087\" srcset=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2026\/08\/image-1.png?resize=1024%2C387&amp;ssl=1 1024w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2026\/08\/image-1.png?resize=300%2C113&amp;ssl=1 300w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2026\/08\/image-1.png?resize=768%2C290&amp;ssl=1 768w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2026\/08\/image-1.png?w=1486&amp;ssl=1 1486w\" sizes=\"(max-width: 770px) 100vw, 770px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">India\u2019s regulations for cross-border card payments aren\u2019t being tightened, it\u2019s being restructured.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Three terms before we proceed ahead<\/em><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><em>Card-not-present (CNP):<\/em><\/strong> <em>Any card payment where the card isn&#8217;t physically swiped \u2014 so, all online checkout.<\/em><\/li>\n\n\n\n<li><strong><em>Authentication:<\/em><\/strong> <em>The step where the customer&#8217;s bank confirms it&#8217;s really them, usually with a one-time password sent by SMS.<\/em><\/li>\n\n\n\n<li><strong><em>3DS:<\/em><\/strong> <em>The global standard (Visa calls it Visa Secure, Mastercard calls it Identity Check) that lets your checkout ask the customer&#8217;s bank to authenticate a payment before you charge it.<\/em><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/notification\/PDFs\/NT79258FF36ECA8F4886B3B01F55D166C2B2.PDF\">On October 1, 2026, new obligations for Indian card issuers will reshape cross-border transactions<\/a>. For foreign businesses and PAs, authorisation rates will depend on whether their checkout is configured to meet these requirements.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">An Indian card on an overseas checkout has historically sat outside India\u2019s AFA regime for non-recurring cross-border payments. Without an authentication request, the issuer can approve or decline based on its internal risk model &#8211; <strong>No OTP required.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is the status quo that Oct 1 dismantles.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:100%\">\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>Overseas businesses and acquirers on<br>non-3DS rails face maximum disruption:<br>After October 1, all cross-border,<br>non-recurring CNP transactions must be<br>authenticated via AFA.<\/td><td>Overseas businesses &amp; acquirers alreadyon a properly implemented 3DS 2.x rail&nbsp;will also see little disruption.&nbsp;<em>Covered later in the article.<\/em><\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Only a few global teams are auditing now. This piece is for both groups &#8211; Overseas Businesses &amp; PAs.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Understanding_the_RBI_Guideline\"><\/span>Understanding the RBI Guideline<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The Reserve Bank of India (RBI) deadline that matters:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/notification\/PDFs\/NT79258FF36ECA8F4886B3B01F55D166C2B2.PDF\"><strong>October 1, 2026<\/strong><\/a><strong>:<\/strong>\n<ol class=\"wp-block-list\">\n<li>Indian card issuers must register their BINs with card networks for AFA validation.\n<ol class=\"wp-block-list\">\n<li>Indian card issuers must validate all non-recurring cross-border CNP transactions, where a request is raised by an overseas merchant or acquirer as per section 10 (a).<\/li>\n<\/ol>\n<\/li>\n\n\n\n<li>Lastly, card issuers must put a risk-based mechanism in place to handle all cross-border CNP transactions as per section 10 (b).<\/li>\n<\/ol>\n<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Who_is_responsible_for_what\"><\/span>Who is responsible for what?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The Reserve Bank of India (RBI) is the regulator.<\/li>\n\n\n\n<li>Indian Card Issuers bear the compliance obligation, and<\/li>\n\n\n\n<li>Card Networks are the intermediary registry layer.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Thus, the obligation to build sits with Indian issuers. The obligation to raise the authentication request sits with foreign merchants &amp; acquirers.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Non-recurring_transactions\"><\/span>Non-recurring transactions<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">All non-recurring cross-border transactions will be validated post October 1, 2026 by Indian issuer. The mechanism only fires when an overseas business or acquirer raises an authentication request.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Any transaction reaching the Indian issuer with authentication request falls under section 10 (b) automatically. Indian Issuers will apply the risk model, run multiple checks and in absence of authentication, soft decline it leading to a payment retry.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Recurring_transactions_%E2%80%94_the_second_asymmetry\"><\/span>Recurring transactions \u2014 the second asymmetry<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Recurring payments on Indian cards, domestic or cross-border, follow a separate <a href=\"https:\/\/www.rbi.org.in\/scripts\/NotificationUser.aspx?Id=13374\">RBI e-mandate framework<\/a><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><em>AFA is required<\/em><\/strong> <em>for mandate registration, changes, withdrawals, and transactions above the threshold.<\/em><\/li>\n\n\n\n<li><strong><em>Pre-debit notification<\/em><\/strong> <em>is mandatory at least 24 hours before each charge.<\/em><\/li>\n\n\n\n<li><strong><em>Registered mandates<\/em><\/strong> <em>can be debited without AFA up to<\/em> <strong><em>\u20b915,000<\/em><\/strong><em>, subject to category-specific limits.<\/em><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The implication for stored cards:<\/strong> Registering a mandate requires AFA and therefore 3DS. A stored card charged through non-3DS rails cannot register a mandate. Those unregistered card-on-file charges are treated as non-recurring and fall back under <strong>10(a)<\/strong>, a rail that is closing.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Section 10 changes none of that. <strong>10(a) excludes recurring transactions entirely.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>What 10(b) adds<\/em> <em>is that every cross-border recurring charge now passes through an issuer risk mechanism built specifically for cross-border. Read the two limbs together and the asymmetry is deliberate: non-recurring in the first, all in the second.<\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Understanding_the_Impact\"><\/span>Understanding the Impact<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Non-Recurring_Cross-Border_CNP_Transactions\"><\/span>Non-Recurring Cross-Border CNP Transactions<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Happens_Today\"><\/span><strong>What Happens Today<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Most one-time payments on Indian cards at overseas checkouts reach the issuer without customer authentication, either because no authentication was requested.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;<strong>The October 1 guideline redraws the rules.<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>If your checkout already uses 3DS<\/td><td>If your checkout does not use 3DS<\/td><\/tr><tr><td>Transactions may pass, but not untouched.Transaction reaches the issuer with 2FA: Static + Dynamic.Issuers see this as a safer, liability-free transaction and approve it.With BIN registration, risk shifts from network stand-in to issuer ACS.<strong>Expect higher challenge rates.<\/strong><\/td><td>This is where payments start breaking.Non-3DS flows lack authentication.From <strong>October 1, 2026<\/strong>, issuers assume full liability on approved transactions.To manage the risk, issuers can use real-time risk engines to decline single-factor, non-3DS requests.<strong>Expect declines on all non-3DS flows.<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_to_do\"><\/span><strong>What to do<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Measure now, &amp; Measure the right thing:<\/strong> Analyze 90\u2013120 days of Indian card payments. Isolate unauthenticated transactions\u2014that\u2019s your exposure. That volume is at risk from October 1, 2026.<\/li>\n\n\n\n<li><strong>Route all Indian-issued cards through 3DS.<\/strong> Treat it as a requirement, not an optimisation.<\/li>\n\n\n\n<li><strong>Send richer transaction data.<\/strong> Device, account history, and purchase context can improve approval rates and reduce challenges.<\/li>\n\n\n\n<li><strong>Separate failures from declines.<\/strong> Retry timeouts; don\u2019t retry refusals.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><em>OTP isn&#8217;t the only path either. Payment aggregators in India, like Cashfree Payments are working card networks and strategic partners letting cardholders authenticate with a device fingerprint or face scan instead.&nbsp;<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Subscriptions_and_recurring_payments\"><\/span>Subscriptions and recurring payments<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Changes\"><\/span>What Changes<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Your renewals won&#8217;t be interrupted for verification. The transactions will be scored under the new risk model developed for this guideline. New models decline conservatively in month one. Expect a dip in October and a recovery over the following weeks.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Audit every recurring Indian card charge.<\/strong> Distinguish registered mandates from stored cards.<\/li>\n\n\n\n<li><strong>Review your price points.<\/strong> Annual plans may trigger authentication on every renewal as the amount exceeds the threshold; Monthly plans that are smaller may authenticate only at signup and continue without authentication every month.<\/li>\n\n\n\n<li><strong>Build in a buffer for the 24-hour notice.<\/strong> Don\u2019t charge as soon as the window opens.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Every number above is recoverable.<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Take the simpler route instead of rebuilding the checkout. The rule applies when payments are collected by a provider outside India. Collect in India, and the payment is domestic\u2014outside the October 1 rule.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You also unlock <strong>UPI, RuPay Cards and Netbanking<\/strong>, the payment methods Indian customers actually use.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The path is regulated and doesn\u2019t require an Indian entity or infrastructure build.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That&#8217;s why we built <a href=\"https:\/\/www.cashfree.com\/accept-international-payments-from-india\/\">Cross-Border Collections by Cashfree<\/a>;&nbsp; India&#8217;s first licensed cross-border payment provider, with businesses and PAs across 40 countries collecting from Indian customers without an Indian entity.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Offer the payment methods that Indians actually use: UPI, RuPay cards and netbanking<\/li>\n\n\n\n<li>Subscriptions and recurring payments on UPI, Cards &amp; Netbanking<\/li>\n\n\n\n<li>EMI and bank offers to make high-value purchases affordable<\/li>\n\n\n\n<li>Compliance that is built for India, not adapted for it<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Talk to the product leader building India payment infrastructure for global businesses \u2014 and the person whose reading of the non-3DS question runs through this piece.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/calendly.com\/hello-cashfreecrossborderpayments\/collect-from-india-with-cashfree\">Schedule a Connect<\/a> with Saurabh Singhal, Group Product Manager at Cashfree Payments.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>India\u2019s regulations for cross-border card payments aren\u2019t being tightened, it\u2019s being restructured.&nbsp; Three terms before we proceed ahead On October 1, 2026, new obligations for Indian card issuers will reshape cross-border transactions. For foreign businesses and PAs, authorisation rates will depend on whether their checkout is configured to meet these requirements. An Indian card on<\/p>\n","protected":false},"author":144,"featured_media":39149,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_themeisle_gutenberg_block_has_review":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[9490],"tags":[],"class_list":["post-39132","post","type-post","status-publish","format-standard","has-post-thumbnail","category-cross-border-commerce-payments"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Reserve Bank of India (RBI) Mandate Reshapes Cross-Border Card Payments into India - Cashfree Payments Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blogrevamp.cashfree.com\/reserve-bank-of-india-rbi-mandate-reshapes-cross-border-card-payments-into-india\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Reserve Bank of India (RBI) Mandate Reshapes Cross-Border Card Payments into India - Cashfree Payments Blog\" \/>\n<meta property=\"og:description\" content=\"India\u2019s regulations for cross-border card payments aren\u2019t being tightened, it\u2019s being restructured.&nbsp; Three terms before we proceed ahead On October 1, 2026, new obligations for Indian card issuers will reshape cross-border transactions. For foreign businesses and PAs, authorisation rates will depend on whether their checkout is configured to meet these requirements. 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