Frequently asked questions
Common questions about setting up, managing and cancelling recurring payment mandates in India.
What is the difference between eNACH and UPI AutoPay?
eNACH runs on the National Automated Clearing House operated by NPCI and debits your bank account directly, so it is commonly used for loan EMIs, insurance premiums and SIPs. UPI AutoPay is set up inside a UPI app and approved with your UPI PIN, and it is popular for subscriptions and smaller recurring amounts. Both let a business collect payments automatically after you authorise them once.
How do I register an eNACH mandate online?
You usually start the mandate on the biller's or lender's payment page, then authenticate it through your bank using net banking, debit card details or Aadhaar-based verification. Once your bank confirms the authorisation, the mandate becomes active and future debits happen automatically up to the limit you approved. Keep an eye on the maximum amount and the validity period shown before you confirm.
Can I cancel or pause a recurring eMandate?
Yes, you remain in control of any mandate you create. An eNACH mandate can typically be cancelled or paused through your bank's net banking or branch, while a UPI AutoPay mandate can be managed from the autopay or mandates section of your UPI app. It is sensible to cancel with the business as well so they stop raising new debit requests.
Why did my eMandate payment fail?
A recurring debit can fail for several ordinary reasons, such as insufficient balance on the debit date, a mandate that has expired, or a requested amount above the limit you authorised. It may also fail if the account details changed or the mandate was paused. Checking your balance before the scheduled date and confirming the mandate is still active usually resolves repeated failures.
What does a business need to collect recurring payments through eMandates?
A business generally needs a relationship with a sponsor bank, access to the NACH or UPI AutoPay rails, and a clean registration flow that captures the customer's authorisation correctly. Clear communication about the amount, frequency and debit dates helps reduce disputes and failed collections. Many financial agreements tied to these mandates are also signed using a Digital Signature Certificate.