LotusPay

Physical mandate checkout flow

LotusPay has enhanced the Physical NACH mandate registration process into a fully digital journey. This enables merchants to share a secure link with customers for mandate submission, eliminating dependency on dashboard & app-based uploads and manual intervention. The updated flow supports status API integration for real-time tracking and includes a pre-filled PDF feature that reduces data mismatch errors and improves overall success rates

Step-by-Step Flow

  1. Mandate Creation

    • Merchant initiates Physical NACH setup via API / dashboard.

    • System generates a unique authorization link.

  2. Authorization Link Generation

    • Authorization link is returned in API response / dashboard.

    • Link is shareable with the customer.

  3. Customer Action
    Customer accesses the authorization link and:

    • Views mandate details

    • Downloads the physical mandate pre-filled PDF template

    • Verify and signs the form

    • Uploads the scanned image of the form (JPG format, max 2 MB)

  4. Upload & Submission

    • Customer uploads the signed mandate form through the link.

    • Submission is validated by LotusPay system.

  5. Processing & Registration

    • Uploaded mandate is verified.

    • Mandate is submitted to NPCI/bank for registration.

    • Status updates are shared via API/webhook/dashboard.

      Image 1

    Summary

    The Physical NACH mandate flow has been upgraded as part of LotusPay’s digital transformation. Earlier, mandate images could be uploaded only through the LotusPay dashboard and mobile app by logged-in users. With the new flow, a unique authorization link is generated during mandate creation and shared with the customer by the merchant.

    Using this link, customers can download a pre-filled physical mandate PDF, review, sign, and upload the scanned copy directly. This enables a fully digital and remote onboarding process, reduces dependency on dashboard access and manual intervention, minimizes data mismatch errors, and improves overall turnaround time and success rates.

    Merchants are responsible for sharing the authorization link with customers and tracking mandate status through existing status APIs or webhooks for real-time updates.

    Error Handling

    • The system will reject the submission and mark the mandate as incomplete if the uploaded file:

      • Is not in JPG format

      • Exceeds the 2 MB size limit

      • Is unclear, unsigned, or incomplete

    • Uploads may fail due to network or system issues. In such cases, customers can retry the upload.

    • If the authorization link has expired, the merchant must generate a new link to proceed.

Last updated 2 months ago