New regulation from Reserve Bank of India requires additional confirmations for credit card payments. This might result in some recurring payments to be declined. This in turn might affect existing subscriptions.

Starting in October 2021, regulatory requirements in India will apply to the processing of recurring transactions. The Reserve Bank of India has issued a directive that will affect purchases in India initiated via credit cards and debit cards for auto-renewable subscriptions. This directive requires banks, financial institutions, and gateways to obtain user approval by conducting transaction notifications, e-mandates, and Additional Factors of Authentication (AFA) before the transaction can be completed. As a result, some transactions that don’t meet these requirements will be declined by banks or card issuers. For more information and updates, see the Reserve Bank of India website.

Apple Developer

Apple recommends using Apple ID balance for payments. App developers might help their users to keep this balance up to date. Also, grace period might help users with declined transactions to renew the information and keep using the service.

Apple Developer: Upcoming changes to recurring transactions via credit cards and debit cards in India

Reference: Apple reminds developers about changes to subscription payment system in India



Provide additional information for users in India.

QA engineer:

Business as usual.


Be ready for declined transactions increase in India. Consider adding grace period and more information on payment processing.

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