The Reserve Bank of India (RBI) has implemented a new e-mandate framework for digital payments, effective immediately, allowing recurring transactions up to ₹15,000 to be processed without requiring an OTP. Users can register a one-time e-mandate through additional factor authentication (AFA), streamlining payments for subscriptions, utility bills, and EMIs. Transactions exceeding this threshold will still necessitate authentication. Notably, the RBI has extended the framework to include cross-border payments and has prohibited banks from imposing extra charges for e-mandate services. Furthermore, exceptions allow recurring payments for insurance premiums, mutual fund investments, and credit card bills to reach up to ₹1 lakh without AFA. The new rules enhance user safety by mandating pre-debit alerts and enabling users to cancel mandates before payments are processed. The RBI's initiative aims to bolster transparency and user control in the rapidly expanding digital payments landscape.