The Reserve Bank of India (RBI) has expanded its electronic mandate (e-mandate) rules to include cross-border recurring electronic payments made through cards, prepaid instruments, and Unified Payments Interface (UPI). This initiative aims to minimize digital fraud and enhance customer control over transactions. Customers can now opt out of any e-mandate transaction, which requires validation through additional factor authentication (AFA). The RBI has established a ₹15,000 limit for individual recurring electronic mandate transactions and a ₹1 lakh limit for recurring payments related to credit cards, insurance, and mutual funds without AFA. Banks are mandated to send a pre-transaction notification to customers at least 24 hours prior to the charge, detailing the merchant's name, transaction amount, and other relevant information. Notably, banks cannot impose charges on customers utilizing the e-mandate facility, and existing e-mandates can be transferred to reissued cards. The RBI's guidelines also ensure that liability limits for unauthorized transactions apply to recurring transactions under e-mandates, further protecting customers.