Stripe and RBI Regulations

Problem

Stripe™ customers in certain locations may receive an email from Stripe with the following information:

You may be using an integration flow that doesn’t comply with certain Reserve Bank of India (RBI) regulations, specifically those preventing the storage of card credentials and requiring tokenization consent from your customers.

Some Stripe customers may also see the following error when attempting to make a payment via Stripe:

PaymentMethods of type card cannot be attached to Customers directly without 3DS due to Indian payment regulations. Please instead provide the PaymentMethod and Customer alongside a SetupIntent or PaymentIntent with the setup_future_usage parameter. See https://support.stripe.com/questions/guide-for-saving-cards-in-india for more details.

Stripe announced this in 2023.

Solution

You do not need to contact WHMCS Technical Support about these messages.

WHMCS 8.8 includes the necessary changes to the Stripe module to accommodate these RBI regulations:

MODULE-7925 - Update API workflow to accommodate RBI compliance with Stripe

When we resolve cases and release features, you can view them in our change log.

Workaround

WHMCS installations that run WHMCS 8.8 and higher do not require a workaround.

For instructions to process payments in older versions of WHMCS that do not include the fix, see Stripe India Accounts.

Last modified: 2025 March 13