eNACH
Feature Specifications
Different PGs provide support for different authentication methods for eNach Registration flow.
|
PA / PG
|
Netbanking Authentication
|
Debit Card Authentication
|
Aadhaar Authentication
|
|---|---|---|---|
LotusPay
| Supported
| Supported
| Supported
|
PayU
| Supported
| Supported
| Not Supported
|
TPSL
| Supported
| Supported
| Supported
|
Razorpay
| Supported
| Supported
| Supported
|
Digio
| Supported
| Supported
| Supported
|
Camspay
| Supported
| Supported
| Supported
|
Cashfree
| Supported
| Supported
| Not Supported
|
How it works
Mandate Registration
Registration involves customers providing consent to initiate recurring payments.
Mandate details required for registration:
Order amount - ₹1 for eNACH registration (penny drop payment )
Max mandate amount - Max mandate amount for the future (in ₹)
Mandate Start Date - Mandate creation date
Mandate End Date - Any future date after which the mandate stops
Mandate Frequency - Daily, Weekly, Monthly, Yearly, As presented
eNach vs eMandate Flow
Unlike UPI Autopay and Card Mandates, in case of eNACH only a penny drop transaction is done i.e. ₹1 or ₹2 is debited from account and refunded immediately, for authentication. The actual first debit of the order amount if required, needs to be done in a separate transaction call.
Incase of eMandate flow, the registration of the mandate and the debit of the actual order amount happens simultaneously. Only ICICI Bank and HDFC Bank currently support the eMandate flow. Please check with your PGs if the same is supported at their end.
Please check with your Payment Aggregator / Gateway for the complete list of supported banks for eNACH registration
Mandate Execution
Merchants are required to trigger Mandate Execution request to Juspay in order to debit the amount from user's accounts as per the set frequency.
Once the recurring payment requests is received, Juspay checks if the mandate is in ACTIVE state and then the payment is initiated to the gateway.
Mandate details required for recurring:
Order amount - This is the amount that a customer will be charged in this transaction.
Customer ID - Customer Identifier against which the mandate was created.
Mandate ID - Mandate ID sent by Juspay after successful mandate registration.
User Journey
eNach Registration with Netbanking authentication
User can register for mandate using their respective net-banking credentials.
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eNach Registration with Debit Card authentication
User can register for mandate using their respective debit card credentials.
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eNach Registration with Aadhaar authentication
User can register for mandate using their Aadhaar as the authentication mode
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Flow variations available for eNACH option
Pre-filled Bank account details
If users' bank details are already available, the eNACH registration page can be opened with the preselected bank and account details pre-filled and non-editable.
2. Manual input of Bank Account details
The user inputs the required bank details for the eNACH registration in the page and proceeds.
Analytics
You can use the Transaction Analytics Module in Juspay Dashboard to monitor the traffic and performance of eNACH registration and recurring payment transactions.
- Have questions?
- Need help? Contact support
- LLM? Read llms.txt
