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Corporate Laws Central Ministry of Finance Payment and Settlement Systems Act, 2007

NPCI - Guidelines and Liability Rules for NETC Transactions Initiated Against a Tag which is under Hotlist or Blacklist or Low Balance Status

05-Aug-2025 | NPCI/2025-26/NETC/002

National Payments Corporation of India (NPCI) has issued guidelines and liability rules for NETC (National Electronic Toll Collection) transactions initiated against a tag which is under hotlist or blacklist or low balance status with effect from 01st October 2025. 1. Issuers must follow a 15-day cooling period before raising chargebacks for transactions where a vehicle tag was in blacklist (code 3004) or low balance (code 3005). 2. Chargebacks for these cases can only be raised after the 15-day cooling period from the reader read time. Any earlier attempts will be rejected with reject code 5224. 3. The 15-day cooling period applies regardless of when the transaction is presented to NPCI. 4. Issuers should follow specific scenarios for raising chargebacks immediately or after 15 days, as detailed in Annexure I of the document. 5. NPCI will implement system controls to enforce these rules, with further details to be published later. For more information, please refer to the attached document.

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