{"id":39467,"date":"2026-09-08T19:55:56","date_gmt":"2026-09-08T14:25:56","guid":{"rendered":"https:\/\/blogrevamp.cashfree.com\/?p=39467"},"modified":"2026-09-09T15:15:57","modified_gmt":"2026-09-09T09:45:57","slug":"lien-marking-on-banking-connect","status":"publish","type":"post","link":"https:\/\/blogrevamp.cashfree.com\/lien-marking-on-banking-connect\/","title":{"rendered":"Lien Marking on Banking Connect"},"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<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #005c31;color:#005c31\" 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: #005c31;color:#005c31\" 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><\/span><\/a><\/span><\/div>\n<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\/lien-marking-on-banking-connect\/#Block_Now_Pay_Later\" >Block Now, Pay Later&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/blogrevamp.cashfree.com\/lien-marking-on-banking-connect\/#What_is_Lien_Marking\" >What is Lien Marking?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/blogrevamp.cashfree.com\/lien-marking-on-banking-connect\/#Cashfree_brings_Lien_Marking_to_Netbanking\" >Cashfree brings Lien Marking to Netbanking&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/blogrevamp.cashfree.com\/lien-marking-on-banking-connect\/#Banking_Connect_the_rail_behind_Lien_Marking\" >Banking Connect: the rail behind Lien Marking<\/a><\/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\/lien-marking-on-banking-connect\/#One_of_the_Biggest_Use_Cases_of_Lien_Marking_is_Insurance\" >One of the Biggest Use Cases of Lien Marking is Insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/blogrevamp.cashfree.com\/lien-marking-on-banking-connect\/#But_Insurance_Is_Just_the_Beginning\" >But Insurance Is Just the Beginning<\/a><\/li><\/ul><\/nav><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Block_Now_Pay_Later\"><\/span>Block Now, Pay Later&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Think about the last time you paid for something before you knew whether you would actually get it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You pay for an insurance policy before it is approved. For a hotel booking weeks before you check in. For a service before the service is offered.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The payment goes through in seconds. That part works.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It&#8217;s what happens next that creates the problem. The outcome is still pending, the money has already left your account, and if the answer turns out to be no, you wait for a refund on someone else&#8217;s timeline.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So the customer has taken on all the risk of a decision that hasn&#8217;t been made yet. And the business is now holding money it may have to send back, along with the support tickets that come with it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That is the gap <strong>Lien Marking<\/strong> closes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_Lien_Marking\"><\/span><strong>What is Lien Marking?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Lien Marking allows a customer to block an amount in their bank account without actually debiting it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The money stays in the customer&#8217;s account. It is simply set aside for a specific transaction. Once the action is confirmed, the amount is debited. If it isn&#8217;t, the block is released and the money is free again.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">No debit. No refund cycle. No waiting.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This concept isn&#8217;t new. Customers can already block amounts on UPI through a one-time mandate, and on Cards through pre-authorisation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But it was not possible on Netbanking.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cashfree_brings_Lien_Marking_to_Netbanking\"><\/span><strong>Cashfree brings Lien Marking to Netbanking&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Cashfree has launched Lien Marking on Banking Connect, which lets a customer block an amount in their bank account for a transaction without the money leaving the account.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cashfree has launched this payment mode with ICICI Prudential.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Banking_Connect_the_rail_behind_Lien_Marking\"><\/span><strong>Banking Connect: the rail behind Lien Marking<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Instead of money flowing out of the customer&#8217;s account upfront, the amount is lien-marked directly with their bank for up to a maximum of 14 days.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That window is the point. It is long enough to cover the kind of decision that takes a few days to make.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And because this runs on Banking Connect, it works for the customers who choose Netbanking over UPI or Cards, which is a meaningful share of high-value payments in India.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"One_of_the_Biggest_Use_Cases_of_Lien_Marking_is_Insurance\"><\/span><strong>One of the Biggest Use Cases of Lien Marking is Insurance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A customer applying for a term or health policy traditionally pays the full premium upfront, even before the insurer has completed underwriting.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The insurer then reviews medical reports, health history, age, lifestyle and other documents before deciding whether to accept the proposal.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This can take a few days.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If the proposal is declined, the customer gets their money back through a refund.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Which raises an obvious question:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u201cWhy did the insurer take my money before deciding to cover me?\u201d.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">IRDAI recommends the premium to be blocked in the customer&#8217;s bank account and debited only once the proposal is accepted.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For insurers, that means customers who prefer Netbanking, particularly for larger premium payments, can get the same experience that is available on UPI and Cards.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And for customers, it means the premium stays in their account until the policy is approved.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"But_Insurance_Is_Just_the_Beginning\"><\/span><strong>But Insurance Is Just the Beginning<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The same mechanic can unlock better payment experiences across several industries:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Investments:<\/strong> Customers can block funds while applying for an IPO. The amount is debited only when shares are allotted.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>E-commerce:<\/strong> Customers can block an amount when placing an order, with the payment debited only when the order is confirmed or fulfilled.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Hotels and Reservations:<\/strong> Customers can reserve a room by blocking a specified amount, with the payment debited at check-in.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And these are just a few of the possibilities. Any journey where money needs to be reserved before the final outcome is known can benefit from lien marking.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For the millions of customers who rely on Netbanking for their payments, Lien Marking on Banking Connect brings a more flexible, customer-first way to pay.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you are looking to enable lien marking across Netbanking journeys, talk to our team.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div style=\"--wp--block-button--width: 25;\" class=\"wp-block-button has-custom-width wp-block-button__width wp-block-button__width-25\"><a class=\"wp-block-button__link has-vivid-green-cyan-background-color has-background has-regular-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/www.cashfree.com\/contact-sales\/?utm_source=CashfreeResources&amp;utm_medium=Organic&amp;utm_campaign=GFF%20Blogs%202026&amp;utm_content=Lien\" style=\"border-top-left-radius:12px;border-top-right-radius:12px;border-bottom-left-radius:12px;border-bottom-right-radius:12px\">Sign Up<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Block Now, Pay Later&nbsp; Think about the last time you paid for something before you knew whether you would actually get it. You pay for an insurance policy before it is approved. For a hotel booking weeks before you check in. For a service before the service is offered. The payment goes through in seconds.<\/p>\n","protected":false},"author":143,"featured_media":39469,"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":[11171],"tags":[],"class_list":["post-39467","post","type-post","status-publish","format-standard","has-post-thumbnail","category-cashfree-gff"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Lien Marking on Banking Connect - 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\/lien-marking-on-banking-connect\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Lien Marking on Banking Connect - Cashfree Payments Blog\" \/>\n<meta property=\"og:description\" content=\"Block Now, Pay Later&nbsp; Think about the last time you paid for something before you knew whether you would actually get it. 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