API Reference

Payment Methods in Mandates

Note

  1. Pre debit notification - According to RBI regulation before executing a mandate notification needs to be sent to the user by the User’s bank (Issuer Bank). This is facilitated by an API exposed by PG. Juspay handles the notification without the merchant having to call an extra API

  2. 2FA approval - For transactions above 15000, users need to approve a 2FA on the UPI app on which a mandate is set up. At the time of UPI transaction, the user will be sent a notification to approve the transaction where the user will have to enter UPI PIN to approve. For the card transactions, users need to approve a 2FA by logging in the portal by bank, the link for which is provided in the notification SMS sent to the user.

  3. Mandate registration using saved cards requires the inclusion of CVV; the option of CVV-less flow does not apply in these instances, as CVV is mandatory.

UPI

Users can set UPI Autopay through following modes 

  1. Intent - User on merchant’s app / mobile website can open the UPI autopay enabled app on mobile phone to set up Autopay - Experiencelink icon

  2. Collect - User can enter VPA on payment page of merchant to trigger a Autopay collect request to the VPA entered - Experiencelink icon

  3. QR code - QR code will be displayed on payment page, by scanning it user can setup autopay.

  4. Irrevocable mandates : End users should not have the ability to revoke mandates that have been successfully registered.

Cards

Users can set Mandate on cards, either on a new card or an existing saved card of choice. - Experiencelink icon

For a mandate to work the card is to be tokenized and any failure in tokenizing the card will make the mandate setup unsuccessful. 

While Juspay has the ability to tokenize the card, there are a few PGs which insist that the card be tokenized on their side. Both the methods are supported in Express Checkout.

E-Nach 

NACH is a facility by NPCI where a mandate can be set up on a bank account (saving or current) 

NACH can se setup via various ways

  1. Physical NACH - Customer prints a prefilled form, signs it and scans it back. - Experiencelink icon

  2. eSign - eSign flow where an Aadhaar number entry and OTP validation is required to validate a mandate - Experience Videolink icon

  3. ENach via instant authentication - This is the latest version of completely Digital NACH setup. There are three ways in which user can authenticate the bank account

    1. Netbanking - Once user enters necessary details then he is redirected to Netbanking Login page - Experience Video link icon

    2. Debit Card authentication - User enters card details and OTP to validate himself. - Experience Videolink icon

    3. Aadhaar based - User enters aadhaar card number details and OTP to validate himself - Experience Videolink icon

  4. EMandate - EMandate is provision by a few PGs where NPCI’s NACH is not involved. The coverage is limited to a few banks (Insert appendix link). One benefit of the flow is that while setting up a mandate users can be debited the amount if required.

Last updated 2 years ago