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A digital mandate platform built by NPCI simplifies high-value and larger-volume recurring online transactions like EMIs, payables, premiums, etc.

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e-NACH for Business

Table of Contents

  • What is e-Nach?
  • Key Features
  • Leveraging e-Nach APIs
  • Why Decentro APIs?
What is Upi Autopay?

What is e-NACH?

e-NACH (electronic National Automated Clearing House) process is an e-mandate facility built on top of the NACH platform built and maintained by NPCI. It can help businesses such as banks, NBFCs, telecom operators, insurance companies, and other corporate entities to ensure recurring collection of funds belonging to their customers who opt for the direct debit type of payments.

The primary underlying objective of e-Nach is to help businesses reduce the follow-up time for recurring transactions, etc. e-NACH comes with a one-time authorization of the mandate, and posts that recurring payments are automatically debited from customers’ accounts. You can even save yourself from the hassle of manually scheduling your premium payments at the start of the applicable period.

The process is routed so that, after a customer approves the mandate via Debit Card or Netbanking, the mandate moves from the corporate to the sponsor bank and then to the destination bank by including the customer's specific attributes.

Key Features

Get e-NACH recurring payment mode enabled on your platform

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Lets users register mandates digitally, ultimately reducing the TAT

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Schedule automatic payment of all recurring dues to simplify the process

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Single Time

Automated Payments require a one-time authentication via Netbanking or Debit card

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Our Virtual Account Stack help to reduce manual reconciliation of debits

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Reduce variable costs spent during follow-ups, invoicing, operations, etc

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Get insights into your recurring payments and transactions with our self-serve dashboard.

How Can Your Business Leverage e-NACH APIs



Fintechs or Marketplaces can set monthly EMI auto-debits from the user’s account toward loans or other services.

Insurance Premiums

Insurance Premiums

e-NACH is useful in helping merchants with Debitting monthly/yearly insurance premiums for life, health, automobile, house, etc from their customers.

Merchant Collections

Merchant Collections

Vendors can now automate payment collection towards the recurring services they provide to their clients on the go.

Investment Plans

Investment Plans

Merchants can charge for all the monthly installments by setting an e-Mandate that the customer approves.

Corporate Allowances

Corporate Allowances

Corporate payouts can be processed with ease now. These include Dividends, bonuses, salaries, and other payouts that might come across.

e-NACH for Business - How Can Decentro Help

Why Decentro’s APIs for e-NACH?

Fully compliant eNACH transaction flows as an RBI-certified payment aggregator.

Enables recurring payments up to 10L INR with assured acceptance.

Fully flexible API-based flow for registration and presentation.

Debited funds flow into virtual accounts helping in faster reconciliation.

Fully API-based flow allowing you to control the experience.

Callbacks for registration as well as presentation for all scenarios.

Unlimited rollover of unused API hits with Multiple banking partners.

Access our Product Guide

API Documentation

Did You Know?

NPCI has rolled out the mandate for interoperability of UPI. This includes a unified 8-10 digit number that will serve as the user’s UPI ID. If it’s a 10 digit number, the mobile number will need to be used. Thus, your business can transact with customers across any app of their preference or facilitate the same for your partners or vendors using a single ID.

Frequently Asked Questions

What is an e-mandate?

An e-mandate is an electronic version of a mandate, a standing instruction (SI) given to a bank or NBFC to periodically debit a fixed amount from the account of the customer authorizing the mandate.

What are the use cases of e-mandate?

e-mandates are helpful tools for recurring and one-time payments and are used for various reasons. Recurring payments for OTT subscriptions, utility bills, loan EMIs, insurance premiums, mutual fund investments, and subscriptions to gaming platforms all involve e-mandates in some form.

How is eNACH different from e-mandate?

eNACH is the infrastructure on which recurring payments occur. e-mandates, on the other hand, are the instructions that govern these recurring payments.

Advantages of eNACH e-mandate

eNACH e-mandates offer several advantages for both customers and businesses:

Seamless Payments

Strong Audit Trail

Simple & Easy-to-use

Cost-effective Payment Automation

Convenient Digital Workflows

Real-time Payments. 5X Reduced Collection Costs. eNach APIs For Your Business
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