Original Reqauthmandate Not Found

What Does 'Original ReqAuthMandate Not Found' Mean

This error typically appears in UPI autopay or mandate-based transactions when the system cannot locate the original authorization request (mandate). A mandate is a pre-approved instruction allowing recurring or future payments.

When the system fails to match the current request with the original mandate, it triggers this error.

Understanding 'Remitter Bank Not Available' Context

Another related issue is “remitter bank not available,” which indicates that the sender’s bank server is temporarily unavailable or unable to process the request.

Both errors are often linked to backend communication failures rather than user mistakes.

How Mandates Work in UPI Systems

• User authorizes a mandate
• Bank stores mandate details
• Future transactions reference this authorization

If the reference is missing or invalid, the system cannot proceed.

Real-World Scenario: Subscription Payment Failure

A user with an active subscription may face this error if the mandate expires or is not properly registered.

Common Causes of the Error

• Expired mandate
• Incorrect reference ID
• Bank server issues
• Network interruptions

How to Resolve the Issue

• Reauthorize the mandate
• Check bank connectivity
• Retry after some time
• Contact support if persistent

Why Such Errors Occur in Complex Systems

UPI autopay involves multiple systems, making it sensitive to synchronization issues.

Best Practices for Users

Monitor mandates, renew authorizations, and avoid repeated retries during outages.

UPI transactions are governed by NPCI guidelines. Stashfin is an RBI-registered NBFC.