Introduction

Introduction

eNACH (Electronic National Automated Clearing House) is an online mandate system developed by the National Payments Corporation of India (NPCI). It allows you to collect recurring payments directly from your customer’s bank account after the customer provides prior authorization through a digital mandate.

Once the mandate is successfully created and approved, you can automatically debit the customer’s bank account for scheduled payments such as loan repayments, subscription fees, insurance premiums, or utility bills.

When to Use eNACH

eNACH is a suitable option for recurring payment use cases, particularly in scenarios such as:

• Lending use cases: For MCC 7322 (Lending), UPI Autopay supports transactions up to ₹15,000 per debit.
• Financial services use cases: For MCC 6012 (Financial Services), the limit can go up to ₹1,00,000, but non-revocable mandates cannot be created.
• Pre-Debit Notification (PDN): Customers receive a notification before the debit is processed and may choose to cancel the payment.
• Existing banking ecosystem adoption: Many financial institutions already rely on NACH-based systems, making eNACH a standardized and commonly used solution for recurring payments.

Integration Options

How to Integrate

To integrate eNACH into your system, you need to complete the following major phases:

1.Subscription Setup:

Create a subscription for your customer to manage the recurring payment lifecycle. This includes:

• Subscription Setup: Creating a new subscription.
• Subscription Status: Checking the active status of the mandate.
• Subscription Order Status: Verifying the status of the setup order.
• Webhook Handling: Configuring webhooks to receive real-time server updates on mandate and payment events.

2.Payment Operations:

After the mandate is successfully authorized, you can perform payment operations using the following APIs:

• Redeem: Initiate a debit request against the approved mandate to collect the payment.
• Redeem Cancel: Cancel a scheduled debit request before it is processed.
• Redeem Order Status: Check the final status of the debit transaction.

Before You Start

Before you start using the APIs, you must first call the Authorization API to generate an access token. This token is required to authenticate all subsequent API requests.

To call the Authorization API, you will need your API credentials. You can find these in your Business Dashboard:

1. Log in to the Business Dashboard.
2. Navigate to Developer Settings.
3. Copy your client credentials.

Use these credentials to call the Authorization API and generate an access token. Once you receive the access token, include it in the header of all future API requests to proceed with your chosen integration method.