Create ACH debits via batch file import
You can create transactions in NACH Debit via batch file import. Go to ACH Debits > Import, download the template, fill in the details and upload it. If it's valid, you can process it.
If you want to create multiple ACH debits, you can import a CSV file to do it in bulk.
Click on ACH Debits in the side menu bar.
Click on Import.
Click on Download Template and open the CSV file.
Follow the instructions below to complete the data in the CSV file.
When you're ready, upload the CSV into the dashboard page. You can drag and drop the file in the box, or click on Browse to select the file from your computer.
If the file is correctly formed, on the next page you will see that the file is about to be picked and the process will start to sanitize, validate and process the file. If the file is not correctly formed, the on-screen notification will notify you what needs to be corrected.
Refresh the page after a few seconds to check if the file is processed or has any errors. See Import statuses
for details. To revisit this import later, go to Settings > Imports.You can download the sanitization and Processing errors by clicking on the CTA on the page. The error links are available for upto 24 hours.
You can export the created ACH debits to a CSV file.
Populating data in the import file
ACH debits can be created on active mandates (status = active).
Enter one ACH debits request per row.
Import data fields:
amount (mandatory) - Amount in Rupees (can have two decimal places). Must be less than or equal to the mandate's maximum_amount or equal to the mandate's fixed_amount.
date_charge (optional) - The date (today or a future date) on which the ACH debit should be collected. If not specified, the ACH debit will be collected as soon as possible. Must be on or after the mandate’s first collection date and on or before the mandate's final collection date. Charge date will be rolled forward by LotusPay to the next working day if it is not a working day. If created before 9am on a working day and passed with no charge date or charge date today, the ACH debit will be collected on the same day, else it will be rolled forward by LotusPay. Charge date should be written as 'yyyy-mm-dd'. In Excel, enter the apostrophe prefix before the date value, save and close the file and do not reopen it.
mandate (conditionally required) - The identifier of the active mandate against which this ACH debit should be collected. Either mandate ID or UMRN must be supplied (one or the other, not both).
umrn (conditionally required) - The NACH Unique Mandate Reference Number of the active mandate against which this ACH debit should be collected. Either mandate ID or UMRN must be supplied (one or the other, not both).
reference_creditor (optional) (add the column header if required) - any input reference that you want to store in LotusPay. This does not go to the banking system. Max 20 alpha-numeric characters, no spaces or special characters.
creditor_agent (optional) (add the column header if required) - the sponsor bank of the transaction e.g. 'UTIB'.
product_type (optional) (add the column header if required) - the NACH product type of the transaction. Either 10 (for first attempt in a period e.g. month) or RPN (for subsequent attempts of a previously returned transaction in the same period e.g. month).
Creating ACH Debits on a mandate that already has a subscription
Although you can create ACH debits on mandates that already have an active subscription, it is not advisable. You will have to independently determine whether the mandate has capacity to support additional ACH debits. For example: Suppose a mandate is of frequency monthly and it has a linked subscription recurring monthly - whilst our system will let you create additional ACH debits on this mandate, the customer's bank may reject the second transaction in a calendar month or one month period.