Payment Issues Related to the Reserve Bank of India

Updated July 08, 2025 09:55

Due to Reserve Bank of India (RBI) regulations, recurring payments made with Indian cards require additional verification. This article explains how these rules affect your DataCamp subscription and how to complete your payment successfully.

Overview

DataCamp bills subscriptions in USD.
Indian cards must comply with the RBI e-mandate process for recurring payments.
Some banks and cards may decline payments if they don’t support mandates in foreign currencies like USD.

What is an e-mandate?

An e-mandate is an electronic approval system required by the RBI to allow automatic recurring charges.

What steps are involved?

New users: Must complete OTP verification during the first purchase.
Existing users: Must re-verify their card to create an e-mandate.
Before each recurring payment, banks send a pre-debit notification at least 24 hours in advance.
- For payments below ₹15,000 INR, no extra action is needed.
- For payments above ₹15,000 INR, you must give consent manually.

Note: Banks will not process the payment without your consent if required.

Why do payments fail?

Common reasons for payment failure include:

Incorrect card details
Insufficient balance
Card does not support USD transactions
Bank does not support e-mandates in foreign currencies
Payment method was edited during processing

What if the e-mandate is not getting prepared?

If the e-mandate setup is stuck or not completing, here are the common causes:

Incorrect card or personal details
Card does not support recurring USD payments
Bank does not support e-mandates in foreign currency
Insufficient funds in your account
Technical timeout from the bank's side

What to do:

Try a different browser or clear your cache
Ensure your card is enabled for international and recurring transactions
Wait and try again after a few hours
Or, subscribe via the DataCamp mobile app, which uses INR billing

Can I retry the payment?

If money hasn’t been deducted:

Wait at least 48 hours before trying again.
Retrying too soon or changing your payment method can cause the transaction to fail.

How long does Indian payment confirmation take?

Indian payments can take up to 48 hours to confirm.
This delay may occur because of:
- Bank-side processing
- Required user consent
- Foreign currency routing (USD)
Do not change your payment method during this time.

What should I do if I make a payment but it’s not confirmed?

Wait up to 48 hours for confirmation.
Check for any bank messages requesting approval.
If not confirmed after 48 hours:
- Contact your bank first.
- Then contact DataCamp Support with the ARN (Acquirer Reference Number) from your bank.

Recommendation for Indian users

Indian users should use a credit card enabled for international transactions.
For better success, purchase through the mobile app:
- Download on iOS
- Download on Android

These platforms often use local INR billing via Apple or Google, improving approval rates and avoiding e-mandate restrictions.

Banks and cards supporting transactions through the new RBI e-mandate process.

If your payment has been declined, you can add a new payment method from the accepted cards/banks list.
We'll continue updating this list as more issuers begin supporting the e-mandate process.

Bank Name	Financial Company
	Visa		Mastercard		Diners
	Credit Card	Debit Card	Credit Card	Debit Card	Credit Card	Debit Card
HDFC Bank	Yes	Yes	Yes	Yes	No	No
ICICI Bank	Yes	Yes	Yes	Yes	No	No
Axis Bank	Yes	Yes	Yes	Yes	No	No
SBI Cards	Yes	No	Yes	No	No	No
Kotak Mahindra Cards	Yes	Yes	No	No	No	No
The Federal Bank	Yes	Yes	No	No	No	No
State Bank of India	Yes	Yes	Yes	Yes	No	No
DC HDFC Bank	No	No	No	No	Yes	No
IDFC First Bank	Yes	Yes	Yes	No	No	No
HSBC	Yes	Yes	Yes	No	No	No
IndusInd Bank	Yes	Yes	Yes	No	No	No
Paytm Payments Bank	Yes	Yes	Yes	No	No	No
Standard Chartered Bank	Yes	Yes	Yes	No	No	No
Canara Bank	Yes	Yes	Yes	Yes	No	No
RBL Bank	Yes	Yes	Yes	Yes	No	No
BOB Financial Solutions	Yes	No	Yes	No	No	No
SBM Bank (India)	Yes	Yes	Yes	Yes	No	No
Yes Bank	Yes	Yes	Yes	Yes	No	No
The South Indian Bank	Yes	Yes	Yes	Yes	No	No
Bank Of Baroda	Yes	Yes	Yes	Yes	No	No
Union Bank Of India	Yes	Yes	No	Yes	No	No
DBS Bank India	Yes	Yes	No	No	No	No
Citibank	Yes	No	Yes	Yes	No	No
Equitas Small Finance Bank	No	Yes	No	No	No	No
DCB Bank	No	Yes	No	No	No	No
Indian Overseas Bank	No	Yes	No	No	No	No
IDBI Bank	Yes	Yes	No	No	No	No
Rupay Credit Super Platinum	Yes	No	Yes	No	No	No
Rupay Credit Platinum	Yes	No	Yes	No	No	No
AU Small Finance Bank	Yes	Yes	No	No	No	No
Jammu & Kashmir Bank	No	No	No	Yes	No	No
Bank Of India	Yes	Yes	Yes	Yes	No	No
City Union Bank	Yes	Yes	Yes	Yes	No	No
Central Bank Of India	No	Yes	No	Yes	No	No
Tamilnad Mercantile Bank	No	Yes	No	Yes	No	No
Karnataka Bank	No	Yes	No	No	No	No
Indian Bank	Yes	Yes	Yes	Yes	No	No
CSB Bank	Yes	Yes	Yes	No	No	No
UCO Bank	Yes	Yes	Yes	No	No	No
Rupay Classic	No	Yes	No	Yes	No	No
Punjab National Bank	Yes	No	Yes	Yes	No	No
Bank Of Maharashtra	Yes	Yes	No	No	No	No
South Indian Bank	Yes	Yes	Yes	Yes	No	No
Deutsche Bank AG	Yes	Yes	Yes	No	No	No

Additional Notes

Pending Charges: Declined transactions may show as pending. These typically disappear within 5 days.
Unavailable Payment Methods: UPI, RuPay, Google Pay, Apple Pay, and PayPal are currently unavailable for Indian subscribers.
Subscription Expiry: If your renewal fails, your learning progress is saved. You can resubscribe anytime to resume.
Payment confirmation: Payment confirmation may take up to 48 hours.