ACH Debit creation

ACH debit is the term given by NPCI for the transaction on a NACH Debit mandate.

You can create ACH debits on eligible mandates. The eligibility conditions are:

• The mandate's status must be active.

• The mandate's cancel status must be cancel_nil, cancel_failed or cancel_denied.

• The requested charge date must be on or after the mandate's first collection date, and on or before the mandate's final collection date.

• The requested charge date must two working days after mandate creation, if the mandate variant is emandate_api.

• The requested charge date must be before the cutoff time if today, else must be within one year of today.

• The requested amount must be permitted by the mandate's amount. If the mandate amount is of type 'collection' (i.e. fixed), then the debit amount must match exactly. If the mandate amount is of type 'maximum', then the debit amount must be less than or equal to this amount.

• Your merchant account must be enabled for ACH debit feature.

• Your merchant account must be active.

• You must have an active NACH profile, and it must have a creditor bank account.

It's your responsibility to ensure that the debits you create on a mandate are consistent with the mandate's frequency.

ACH debit can be created as follows:

• Variant emandate_api: From the second working day after a mandate becomes active. As emandate_api mandate activation is instant in NPCI, it's best to give the sponsor bank and destination bank sufficient time to update their records.

• Variant emandate_esign: Immediately upon mandate becoming active.

• Variant physical: Immediately upon mandate becoming active.

LotusPay system will give a 'duplicate entry' error if you try to create an ACH debit with identical merchant, mandate, charge date, status, amount and creditor reference.