How money moves on this rail, in 12 sourced records: what is final, what can be returned, recalled or refunded, who decides, and what the limits are. A profile belongs to the rulebook, so no reason code list is published on this page.
On a rail fact, every detail line names the section or instrument it rests on and whether that is a rule, a law, operator guidance, or observed practice.
A product is built on this rail and has an object of its own: an authorisation, a lifecycle or a code set. Each view below is derived by the build from records already in the corpus; see products.json for the rule.
Recurring UPI payment taken under a mandateA payment taken again and again from the customer's account on a standing authorisation. The Reserve Bank's recurring payment framework says in its own applicability paragraph that it covers recurring transactions made using UPI, and sets how the mandate is registered and withdrawn, what notice the customer gets before and after each charge, and above what amount the customer must authenticate again.16 rules, 1 authorisation, 5 states, 0 code sets; 2 draft, 21 corroboratedOne other transaction type holds rules on this rail but no authorisation, lifecycle or code set of their own, so each is a transaction type and not a product: UPI payment to a merchant (5 rules).
Not yet covered: UPI's own scheme rules, which hold finality, settlement, operating hours, transaction limits, recall, refunds, the message specification and the response and error codes. The rail brief records their names as the UPI Procedural Guidelines and the UPI Operating Circulars [Unverified: no NPCI document has been opened by Orca]. NPCI's website answered a plain automated request with HTTP 403 on 2026-09-20, as did its robots.txt, so even its crawl policy could not be read; UPI response and error codes: no code list has been opened, so no code list's scope has been confirmed for UPI. the Reserve Bank's register shows NPCI authorised for the Immediate Payment Service, the Aadhaar Enabled Payment System, RuPay affiliation, the National Automated Clearing House and toll collection as separate payment systems, and a code list belonging to any of those is not a UPI list; the interbank dispute and chargeback path NPCI runs, including the periods a bank has to answer and what follows when it does not; the Reserve Bank's own ombudsman guidance defers to those periods without stating them; the Payment and Settlement Systems Act, 2007 and the Payments Regulatory Board Regulations, 2025: the India Code copy of the Act did not answer within 45 seconds on 2026-09-20 and the Reserve Bank's own PDF host returned nothing, so both are cited as the Reserve Bank's pages describe them; the text of the Reserve Bank Integrated Ombudsman Scheme in either its 2021 or its 2026 edition; both are PDFs on the Reserve Bank's document host, which returned nothing, so the scheme is held through the 2021 covering notification and the Reserve Bank's own 2026 questions and answers; UPI Lite, UPI Circle, credit line on UPI and RuPay credit card on UPI, each of which has its own NPCI circulars; UPI 123Pay is held only as far as the Reserve Bank's own description of it goes; whether the Reserve Bank's 2026 ombudsman scheme still reaches a customer of a payment system: its 2021 notification named system participants among the entities covered and the Reserve Bank's 2026 list of covered entities does not repeat that category.