NeCP moter rye are [NPCUUPUOC No.t25A/2022.23 20" July, 2022 Te, ‘The Members - Unified Payment Interface (UPI) Dear Madam / Sir, ‘Subjoct: Addondum to OC 125 — Non: AUTOPAY mandate for Loan repayment and EMI collection category “This is with reference to NPCIUPVOG No.12572021-22, wherein l was mentoned that Dishonor of transaction due fo insuficiency of funds for recurring peyments for ealegovies which fulfils the requirement of ‘Promise to Pay a debt ora labiity. is considered an offense commitiod by the cstomer under Section 25 ofthe Payment Settlement Act, 2007 (PSS Act). Tho aforementioned ection accords the same rights and emedies fo the payoe (beneficiary) against the aforementioned ‘tshonor of the electronic fund as are avaiable othe payee ofa cheque under Chapter XVI ofthe Negotiable Instrument Act, 188, povided the electronic funds transfer Was inated in accordance ith the procedural guidelines isued bythe aystem provider. 2. Along the same lines, evoke and pause option shall ot be shown to the user onthe Payer App for the UPI AUTOPAY mandates (incuding akeady created mandate) for he belowmentoned catego, J. Loan repayment - Mec 7322 EMI Colection -MCC 7322 3. For the creation of anew mandate, Payee! Merchant shal send the “evokeable flag a8 "N" during rmandete craton. Payer PSP! App needs fo ensure # the revokeable flag "Nth, thay shall ot show the revoke and pause option to the user forthe crested mandate against the sforementoned categories, 4 For aforementioned categories, Merchant Corporate most provide the provision to reveke the UPI ‘AUTOPAY mandate the user on thelr webste/ app and explcty communicate the process to revoke the mandate, Revoking ofthe mandate shall be wih the coneent of the Merchant Corporate, The Aequting bank must very te same before making he Merchant! Corporate live for UPI AUTOPAY for these categories. Members are hereby equested to take note ofthe above and ensure compliance with immediate fect. ‘Youre sincerely, sol Kunal Kalowatia chief of Products empl Barca) Mama 40095)