Instant Plan Upgrades for Indian Credit Cards Without 48hr Delay

Due to RBI regulations, e-mandate auto-debits require a 48-hour cooling period, causing delays when users upgrade their plan.

Proposed Solution:

Use a one-time OTP-based payment for the prorated upgrade amount, bypassing the 48hr wait. Future renewals continue via recurring mandate with RBI compliance.

Result:

Indian users get instant plan upgrades without any waiting period.