---
page_source: https://juspay.io/in/docs/lotuspay/web/knowledge-base/schema
page_title: Schema
---


# Schema




## Source creates mandate. Customer owns bank account, which owns mandate, which owns ACH debit. Confirmed debits aggregate into ACH debit collection. Subscription automatically creates debit on a mandate, according to a schedule. Plans are templates to create sources. 



1. Customer owns bank account. Bank account owns mandate. Mandate owns payment.         

![Image](https://dth95m2xtyv8v.cloudfront.net/tesseract/assets/lotuspay/hierarchy-1.png)



2. Subscription creates payments on a mandate, according to a predetermined schedule. The amount, frequency and start date must be known.

![Image](https://dth95m2xtyv8v.cloudfront.net/tesseract/assets/lotuspay/Image%202.png)



3. Plan is a template for creating mandates (known as independent mandates), or subscriptions with mandates (known as subscription mandates).

![Image](https://dth95m2xtyv8v.cloudfront.net/tesseract/assets/lotuspay/Image%203.png)



4. Settlement is the bulk pay-out from LotusPay to you of all payments received in a day.

![Image](https://dth95m2xtyv8v.cloudfront.net/tesseract/assets/lotuspay/Image%204.png)



It's important that you also understand [mandate statuses](https://juspay.io/in/docs/lotuspay/web/nach-debit-flow/mandate-statuses).