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Payment Methods in Mandates

Pre-debit notification: According to RBI regulation, before executing a mandate, a notification needs to be sent to the user by the user’s bank (Not needed for eNACH). For UPI Autopay, the payer PSP also sends the notification. This process is facilitated by an API exposed by PG. Juspay handles the notification without the merchant having to call an extra API.
2FA Approval:
- For UPI Autopay transactions above INR 15,000, users must complete two-factor authentication (2FA) on the UPI app where the mandate is set up. During the transaction, users will receive a notification and need to enter their UPI PIN to approve the transaction. There is no authentication required for the transactions less than INR 15000.
- For card transactions, users must log in to the bank portal to complete 2FA. The login link is provided in a notification SMS sent to the use
Mandate registration using saved cards requires the inclusion of CVV; the option of CVV-less flow does not apply in these instances, as CVV is mandatory by RBI.

UPI Mandates registration methods

Mandates on UPI Autopay can be set by the user through the following methods:

Intent - Mandates can be set through any user-preferred UPI Autopay supporting application (UPI payer PSPs) on the merchant's app or mobile website - Experience
Collect - VPA is needed to be entered by User on payment page of merchant to trigger a collect flow mandate registration - Experience
QR code - QR code displayed on payment page can be scanned by user to set up UPI Autopay.

Note

Irrevocable mandates can be created in any of the three flows, meaning only the merchant can revoke the mandate, not the user.

Cards

Users can set Mandate on cards, either on a new card or an existing saved card of choice. - Experience

For a mandate to work, the card must be tokenized according to RBI Guidelines. Any failure in tokenization will result to failure in mandate setup.

While Juspay can tokenize the card which can be used across different PGs, some payment gateways (PGs) require the card be tokenized on their side. Both flows are supported in Express Checkout.

E-Nach

NACH is a facility by NPCI where a mandate can be set up on a bank account (saving or current)

NACH can se setup via various ways

Physical NACH - Customer prints a prefilled form, signs it and scans it back. - Experience
eSign - eSign flow where an Aadhaar number entry and OTP validation is required to validate a mandate - Experience Video
ENach via instant authentication - This is the latest version of completely Digital NACH setup. There are three ways in which user can authenticate the bank account
1. Netbanking - Once user enters necessary details then he is redirected to Netbanking Login page - Experience Video
2. Debit Card authentication - User enters card details and OTP to validate himself. - Experience Video
3. Aadhaar based - User enters aadhaar card number details and OTP to validate himself - Experience Video
EMandate - EMandate is provision by a few PGs where NPCI’s NACH is not involved. The coverage is limited to a few banks (Insert appendix link). One benefit of the flow is that while setting up a mandate users can be debited the amount if required.

Wallets (Prepaid + BNPL)

Wallets can be used to set up mandates by users. While the registration flow remains similar to cards and UPI, in the recurring flow there is no provision of sending Pre debit Notification 24 hours before. Hence the debit happens instantaneously.