Standing Instructions on your American Express® Card

You can now set up and seamlessly manage your domestic Standing Instructions (SIs) with select merchants on our SI Hub.

Setting up Standing Instructions:

You can set up recurring payments with the merchants listed below by visiting their respective website.

For security purposes, a one-time password (OTP) will be generated during the registration process for the mandate.Your mandate will be set up with the respective merchant after a successful authentication through OTP.

Please find below the list of merchant websites through which you can make your payments.

Click on the Merchant link
Enter details and Set up the mandate

Managing your Standing Instructions

Create User ID and Password, one time sign up.
Once you login, you can view all the mandates that you have set up.
You can choose Edit the end date, amount or Cancel it.

Manage SI

Here’s something you should know

There’s a mandatory Additional Factor Authentication where you’ll also receive a one-time password from American Express if:

A bill payment is higher than INR 5,000.
The amount of your bill payment exceeds the deductible limit you set when you registered for recurring payments.

Please be sure to enter the necessary authentications prior to the due date of your bill.

Frequently Asked Questions

To ensure we’re compliant with RBI requirements, we’re unable to migrate any existing Standing Instructions to the SI Hub. Once the merchant integration is complete, you’ll need to re-register your Standing Instructions directly through each merchant’s website or app. Until then, please continue to make payments directly to your service providers.

You can’t set up Standing Instructions through the SI Hub. You’ll need to set up the mandate directly with the merchant. The SI Hub can be used to view and manage your Standing Instructions. We’re onboarding additional merchants to this new portal – we’ll keep you posted on our progress.

American Express will only be able to process recurring domestic transactions once the merchant integration is complete. We’re working to onboard additional merchants – we’ll keep you posted on our progress. Once a particular domestic merchant has been integrated, you’ll need to set up your Standing Instructions directly through that merchant’s website or app. After that, you’ll be able to manage those SIs on the SI Hub.

Unfortunately, we don’t have a solution in place to manage Standing Instructions for international or cross border transactions. You’ll need to make these payments directly to the service providers to avoid any disruptions.

No, we’re unable to set up the Standing Instructions for you – it must be initiated by you through the domestic merchant.

Yes, you can pause a Standing Instruction for one month. If for some reason you need to pause a Standing Instruction for more than one month, you can cancel the existing mandate and register a new one with the merchant when you’d like to resume automatic payments.

When you register for a mandate, a test charge for a token amount is charged to your Card. This charge will be reversed and won’t be billed to your account.

Yes. Simply log into the SI Hub where you can view and manage all your Standing Instructions. You’ll be able to modify the end date, set a maximum amount for a Standing Instruction and more.

Payments go through automatically when the amount is less than INR 5,000. However, RBI regulations require an approval for any Auto-Payment greater than INR 5,000.

To ensure there are no interruptions in your service, you can initiate timely payments directly on the merchant’s website or app using your American Express Card. This includes both domestic and international merchants.

Unfortunately, we don’t have a solution in place for international or cross border transactions at this time. You’ll need to make these payments directly to the service providers to avoid any disruptions.

As part of the enhancements relating to the login process for the SI Hub, we have introduced a User ID and password based login process which provides enhanced security and the capability to add more than one American Express® Banking Corp. India (American Express) card.

Follow the steps below to create a new User ID and password:

Click the ‘Sign up’ tab on the SI Hub login page.
Next, enter the following details:
- Name
- Email ID
- Create a password
- Confirm the password
Then, click ‘Sign up’ to complete the process

Once you have completed the sign-up process, we will send you an email containing a code and a link to the verification page. You will need to enter that code on the verification page to validate the email ID you provided during the registration process. Your email ID will be your User ID – it can also be a different email ID than the one used to register your Online Account.

Once you have logged into your account on the SI Hub, you can then add your Card(s) so you can view and manage your e-mandates.

Follow the steps below to add a Card:

First, click ‘Add New Card’.
Next, enter the complete Card number and name on the Card (this is optional), then complete the CAPTCHA process.
INR 2 will be charged to the Card for authentication – this amount will be reversed and will not post to your account. To authenticate the charge, we will send a one-time password (OTP) to your registered mobile number.
Enter the OTP when prompted to complete the process

Once the Card is successfully authenticated, all e-mandates corresponding to that Card number will be displayed. If needed, you can repeat this process to add another American Express Card.

In line with the RBI guidelines. all Standing Instructions (SIs) are required to be processed in adherence of tokenization framework (thus effective 01 Oct 2022, SI can only be processed post a credit card number has been converted into a unique token)

Please be advised that there is no actionable that is required at your end as we are working with merchants to ensure seamless implementation of this framework. Once our solution is live we will update you, till then, you may need to make payments directly to each merchant you previously registered for standing instructions. You can still pay using your American Express Card – simply log into the merchant’s website or app and enter your Card details to complete your payment each time. We will send further communication to let you know when the SIs servicing would resume.

In line with the RBI guidelines, we are working on a solution to transition SIs to tokenization framework for which we had sent an email communication t, to advise you on this development and to ensure there are no disruptions in your services. Post October 1, 2022 you may need to make payments directly to each merchant you previously registered for standing instructions. You can still pay using your American Express Card –simply log into the merchant’s website or app and enter your Card details to complete your payment each time. We will send further communication to let you know when the SIs servicing would resume.

In line with the RBI guidelines, we are working on a solution to transition SIs to tokenization framework In this regard, we had sent an email communication to you as well. We have stopped new SI registrations till we have this solution operational. You can still pay using your American Express Card – simply log into the merchant’s website or app and enter your Card details to complete your payment each time. We will send further communication to let you know when the SIs servicing would resume.

We are working to create SI solution as per RBI requirement, in the meantime, you can still pay using your American Express Card – simply log into the merchant’s website or app and enter your Card details to complete your payment each time. We will send further communication to let you know when the SIs servicing would resume.

The SI you registered with us on SI hub portal may not get honored however, on the SI hub you will be able to continue view them, they will not get deleted. The SI registered will start getting honored once our solution is available. Until then you can make the payments for these transactions manually using your American Express Card – simply log into the merchant’s website or
app and enter your Card details to complete your payment each time. We will send you a communication to let you know when the SIs servicing would resume.

We are working to create SI solution as per RBI requirement, in the meantime, Y\you can still pay using your American Express Card – simply log into the merchant’s website or app and enter your Card details to complete your payment each time. We will send further communication to let you know when the SIs servicing would resume.