Debit + eNACH
The standard eNACH is a mandate registration with Net Banking (NB) as the Payment Method. Money is not debited for the first payment in this flow and only a mandate set up this done.
Juspay has enhanced this flow based on merchant requirements to incorporate the first payment debit along with mandate registration. This gives an end to end set up for merchants to use easily without the hassle to extra integration steps.
In Debit + ENACH flow, Juspay creates two transactions against the order created
Transaction 1 - one time Net Banking debit transaction i.e. NB Order payment
Transaction 2 - eNACH setup ie mandate registration using NB payment method
Step 1: Update PA/PG set up on Juspay Dashboard
Update the configurations for selected PA/PG(s) on Juspay Dashboard to add support for eNACH / eMandate
Login to Juspay Dashboard > Navigate to Payments > PG Control Centre > Select gateway > Click on Edit Gateway Configuration
Click on Payment Method Configurations tab and add the required banks with the corresponding authentication method [NB/ CARD /AADHAAR ] from Mandates/Subcriptions section.
Select Advanced Features section and set “Enable Emandate” as True and proceed to Save changes
Repeat steps for all gateways/aggregators which have added support of this feature for your account
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Step 2: Create Order at Juspay with Mandate option
Create Order at Juspay with the mandate creation option
Step 3: Check Transaction & Mandate Registration Status
Once the mandate registration and debit has been completed, Juspay will share the mandate status & details in response of Order Status API call and also in Webhooks
Order Status Response (
choose Debit + Enach option in Sample Response)Store
mandate_idvalue passed in the responses as an identifier for future mandate payments and other mandate management actions.