The National Payments Corporation of India (NPCI) on February 09, 2024, issued an addendum to OC 023 - Enablement of Pre-authorization for RuPay Cards with reference to circular no. NPCI/RuPay/023/2023-24 dated December 20, 2023.
The RuPay Steering Committee held on February 01, 2024, discussed the allowed days and maximum allowable limit for pre-authorized transactions and endorsed the revisions provided in the Table format.
The following actions required from the member banks and PGs:
• Issuing Bank: The issuer shall identify the pre-authorization transaction basis of the value 55 in DE-25 in the online transaction message and shall secure the funds in the cardholder's account. It shall also ensure that the pre-authorization hold amount, duly specified by the merchant, remains accessible to cover the pending transaction until the final settlement amount is determined.
• Acquiring Bank: The acquiring bank shall send the value of 55 in DE-25 in the online transaction message to initiate a pre-authorization for the POS transaction.
• Payment Gateway (PG): For online e-commerce transactions, the PG shall send the pre-authorization indicator in the BEPG Authorize API to initiate a pre-authorization.
Please refer to Annexure I for the customer lifecycle in Pre-authorization. Members are requested to refer to the RuPay Online Switching Interface Specification document and BEPG Acquirer Interface guide for more information.
Member banks/ PGs are requested to make all the necessary changes and comply with the above actions by March 31, 2024.
[Circular No. NPCI/RuPay/023A/2023-24]
