E-payment of customs refunds via RTGS/NEFT to beneficiary accounts requires bank-certified authorization and reconciliation. Electronic payment of sanctioned customs refunds/rebates shall be made through authorized banks via RTGS/NEFT; claimants must submit a bank certified one time authorization, refund sanctioning authorities must forward periodic signed statements, a consolidated cheque and soft copy to the bank, and banks will credit beneficiary accounts after deducting applicable charges. Banks will provide UTRs and periodic scrolls for the PAO to reconcile cheques and payments, with discrepancies to be verified by the field formation.