OrderSalesInformationNotifRQ

Indian RBI Mandate Application

This use case illustrates the flow whereby a customer pays an order which falls under the scope of Reserve Bank of India mandate for a transaction for which both the merchant and card issuer are located in India. The mandate requires that no entity in the card transaction chain, other than the card issuers (banks) and/or networks (Visa, Mastercard, etc.), shall store the actual card data. Solution is to use an alternative token called AlternateCardNumberText which has same format as the Credit Card Primary Account Number (CC PAN) and which is issued by a third-party system authorized by the Reserve Bank of India. Note that for the time being it is not clear if the Seller can authenticate autonomously. This is under discussion with Payment Council of India.