Frequently Asked Questions (FAQs)

Find answers to frequently asked questions about Recurring Payments using Emandate.

1. How does the NPCI ENACH registration process work?

Following is the registration flow of the NPCI ENACH:

2. How does Emanate registration process work with Razorpay’s direct bank partnerships?

Following is the registration flow of Emanate with Razorpay’s direct bank partnerships

3. Is there a video that we can share with customers to understand the registration flow?

Yes, you can share the below video with customersto understand the registration flow.

4. What can I do to ensure the best user experience for Emandate registrations?

To improve the Emandate registration user experience for your customers:

  • Before customers proceed with the authorisation transaction, you can display a message asking your customers to keep their netbanking credentials handy. This will help prevent time-out at the checkout.
  • Inform your customers that there might be a ₹1 or ₹2 deduction during the authorisation transaction. This amount will be refunded to your customer in 3-5 bank working days.

5. How can I cancel my customer's registered mandates?

For all mandates registered under ENACH, NPCI offers a facility to cancel the mandates which are either not in use or are requested by the customers to be cancelled.

You can initiate cancellation and track the status by following these steps:

  • Delete the mandate token using or .
  • Razorpay will initiate cancellation for the deleted tokens on the next working day.
  • On acknowledgement from NPCI for cancellation, you will receive a 'Token Cancelled' , which can be taken as a confirmation of mandate cancellation.

6. Can Razorpay help schedule debits for Emandates?

Razorpay will take care of your scheduled debits if you use our Subscriptions services.

Know more about


7. My customers are not able to register via one of the banks. What can I do?

It may be a temporary issue of bank downtime on NPCI. If you see this as a consistent issue for more than 24 hours, raise a support ticket from your merchant dashboard.

8. Which account types are allowed to sign up for online Emandates?

Following are the supported account types for online Emandates:

  • Savings
  • Current

Handy Tips

  • If your customer is a sole proprietor of the business, they can register their Emandates using the current account type.
  • Suppose your customer’s business has a corporate cash-credit account. In that case, they can only register using Physical NACH, where we have an option of cash credit accounts for mandate registrations.

9. Can joint account holders sign up for Emandates?

Joint accounts have multiple modes of operation. Suppose the customer trying to set up the mandate has access to operate the account without the joint account holder’s consent (mode of operation on account as either or survivor or anyone or survivor). In that case, they can register the mandates.

However, if both joint holders’ approval is required for operating the account, then such account holders cannot register with Emandates.

10. What are the prerequisites for customers to register using Emandates?

Customers need to ensure the following while registering for emandates:

  1. Have the details for the selected mode of authentication.
    1. NetBanking: Login and Password
    2. Debit Card: Card Number, Expiry and Debit Card PIN
    3. Aadhaar: Aadhaar Number and Registered mobile number as on Aadhaar
  2. Ensure the bank account used for authentication with NetBanking or Debit Card is the same as the account number used for registration. For Aadhaar based authentication, ensure to map the Aadhaar Number to the bank account on which the mandate is being registered.
  3. Maintain average monthly balance in the bank account where the mandate is being registered.
  4. Ensure that the selected bank account is in the active state.

11. Which banks are supported for Emandates?

You can refer to the

page for the list of supported banks for Emandates.

12. What information should we collect from a user to successfully register their Emandate?

You should collect the following information from the customer:

  1. Customer Name
  2. Account Number
  3. IFSC Code
  4. Account Type
  5. Bank Name

13. I have recently signed up with Razorpay, and my Razorpay account balance is ₹0. I cannot capture my payments, and they are stuck in the authorized state. What should I do?

As there is no payment at the time of Emandate registrations, you need to have a sufficient balance in your Razorpay account to pay the transaction charges for registrations.

We recommend you top up your Razorpay account with a minimum amount to take care of registration charges until you start generating continuous cash flow via Razorpay.

14. How do I enable Aadhaar as an auth type for emandates? Do I need to make changes in my Integration to use the aadhaar emandate?

Aadhaar emandate is available only on request. Raise a request on our

to get this feature enabled.

After it is enabled on your account, pass auth_type=aadhaar in the existing emandate APIs.

15. How can I modify or edit a mandate that has already been created?

You cannot modify or edit a mandate that has already been created. In this case, you need to create a new mandate for the user if any changes need to be made.

16. Which authentication type is supported for the Aadhaar based authentication?

Razorpay supports eSign as an

for the Aadhaar authentication.

1. How does the debit presentment work with NPCI ENACH?

Following is the debit presentment flow of the NPCI ENACH:

2. What is the maximum amount which can be debited from the customers?

You can set the maximum amount while initiating registrations for your customers. The maximum amount varies depending on the authentication mode using which customers want to set up the mandate.

If you do not set a limit for the mandate, the maximum limit defaults to ₹1,00,00,000 for Emandates.

The following table lists the auth types and their maximum limit allowed for Emandates.

Auth TypeMaximum Allowed Limit
Debit Card₹1,00,00,000

Know more about setting the


3. Is there a cooling period for customers registered via NPCI ENACH for initiating the first debit after completing the registration process?

The registrations are instant with NPCI ENACH, and you can initiate debits immediately.

But there are instances where the issuing bank (customer’s bank) has not completed the registration at their end, and they can take up to 5 days to complete this process.

We have observed that most debits get cleared even when presented as soon as the registration is complete. But we recommend waiting for 5 days before you retry after a failed debit.

4. For Emandates, how long does it take a subsequent charge to move from the created state to the authorized state?

In the case of Emandate, the process varies from bank to bank. If the Emandate is setup using Netbanking login, it can take up to 2 working days for payment authorization.

MethodBankTAT GuidelinesTAT Examples
EmandateICICI BankReal-timeIf you create a debit request at 9 am, the debit happens immediately in real-time.
EmandateAxisSame dayIf you create a debit request at 9 am, the debit happens on the same day within the banking hours.
EmandateHDFC BankT+1 working daysIf you create a debit request at 9 am, the debit happens within the next 24 hours (i.e., 9 am on the following day)
EmandateState Bank of IndiaT+1 working daysIf you create a debit request at 9 am, the debit happens within the next 24 hours (i.e., 9 am on the following day)
EmandateAll Banks under NPCI ENACHSame dayIf you create a debit request at 9 am, the debit happens on the same day within the banking hours.

Handy Tips

To ensure same-day debit authorization, Razorpay must receive the request by 8:59 am on a bank working day.

5. Will my debits get processed on holidays as well?

Customer account debits for Emandates registered with NPCI ENACH will be done on all days, including weekends and public holidays.

However, settlements for the debit payments captured on weekends and public holidays will only be made on the next working day as per your settlement schedule.

6. I am getting an error saying Customer has to refer to branch to complete registration while initiating debits for my customers?

This issue occurs when the bank has not completed the registration at their end. For such cases, you can retry debit after 5 working days. If this issue persists, inform your customers to contact their bank and get their mandate approved.

7. I am getting an error saying Payment failed because emandate is cancelled or inactive while presenting debits for my customers?

This failure can occur for 2 reasons:

  1. When the first debit is presented within a few days after registration. This means that the bank has not completed the mandate setup. You can retry after 5 days of the first failure in such cases.
  2. When the debit is presented more than a month after registration, then it means that the customers have cancelled the mandate by approaching their bank. In such cases, you will need to ask customers to register a new mandate.

8. The payment status for debit presentment says authorized, and I have not received a settlement for this payment yet. Why?

Payments have to be ‘Captured’ for the corresponding settlement to take place. You can manually capture the payment from the


Alternatively, to avoid manual dependency, you can enable Auto Capture for all your payments from the Dashboard.

Know more about


9. When can I retry subsequent debit if the first attempt fails for NPCI ENACH?

If the first attempt fails, you can retry after 3 days from getting the confirmation or rejection of the last payment, as it may take more than 24 hours.

For example:

  • If the charge fails on 1 November 2023 and you receive the confirmation, you can retry the attempt on 4 November 2023.
  • If the charge fails on 1 November 2023 and you receive the confirmation on 2 November 2023, you can retry the attempt on 5 November 2023.

10. Will there be any charges applied for subsequent debit failures?

Yes, we will charge for failed debit attempts after the prescribed retries. Please contact the

for information on the exact charges.

1. Is the feature, Charging Customers During Registration, available on all authorisation methods?

The feature, Charging Customers During Registration, is available only on emandate via netbanking.

2. Is the feature, Charging Customers During Registration, supported by all banks?

The feature, Charging Customers During Registration, is only supported by HDFC and ICICI.

3. How is this feature, Charging Customers During Registration, different from the First Payment Amount feature?

First Payment Amount:

The customer is not immediately charged. First, the mandate is registered. We automatically charge the customer the first payment amount only after the mandate is successfully registered.

Charging Customers During Registration:

The first charge will be automatically debited after NPCI confirms the mandate. The amount will be debited from the customer's account 24 to 36 h after the token is confirmed.

4. What is the maximum amount I can charge a customer immediately using the Charging Customers During Registration feature?

You can charge the customer a maximum of ₹10 lakhs using using the Charging Customers During Registration feature.

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