A mandate is a one-time setup that allows you to auto-debit your customer's account on a scheduled date. Your customer approves it once — and after that, the payment comes automatically. You don't need to call them, remind them, or wait. Whether it's a weekly payment, a one-time collection, or any other schedule — it all runs on its own. This happens through UPI Autopay or eNACH, which are the standard systems in India for automatic payment collection.

Once your customer gives permission, RocketPay auto-debits their account on the due date — you don't have to do anything. If the payment doesn't go through the first time, it tries again on its own. You can also retry manually on a date of your choice. You can check the status of every payment from your account at any time.

Your customers can use any UPI app they already have — PhonePe, Google Pay, Paytm, BHIM, or their bank's app. For the full list of supported banks and apps, visit the official NPCI page.

Yes — your customers don't need a UPI app for eNACH. The three most common authentication methods are net banking, debit card, and Aadhaar OTP. Some banks additionally support PAN-based authentication, and a few offer Customer ID-based authentication via their own portal. They do it once, and payments get auto-debited after that. For the full list of supported banks, visit the official NPCI page.

The limit is on each individual payment — not on the total you collect from a customer. With UPI AutoPay, each payment can be up to ₹15,000. With eNACH, each payment can be up to ₹1 crore. So if you want to collect ₹10 lakh in 100 installments of ₹10,000 each, UPI AutoPay works. If you want to collect the same ₹10 lakh in 20 installments of ₹50,000 each, you use eNACH. Same total — the instrument you choose depends on how large each individual payment is.

Pending — The mandate link has been sent to your customer, but it is not approved yet. No collections will happen until your customer authorises the mandate. Active — Your customer has approved the mandate. Collections will run automatically on the scheduled dates. Paused — The mandate is active but temporarily paused. No future debits will be attempted until the mandate is unpaused or resumed. Finished — The mandate has completed its full tenure. No further debits will occur. Cancelled — The mandate has been cancelled. No further debits will occur. Expired — The mandate link was not approved within the validity window and has lapsed. You will need to send a new mandate request to the customer.

No. Once a mandate is finished or cancelled, no further payments are auto-debited from your customer's account. If you need to collect again, you will need to send them a new mandate request.

No. Your customer needs to approve the mandate once when they set it up. After that, every payment is auto-debited on the dates you agreed — no OTP, no confirmation, no follow-up needed from either side.

Yes — when you sign up, you will need to complete a KYC verification for your business. It is a one-time process. Your customers don't need to do any KYC — they just approve the mandate once, and after that, payments are auto-debited automatically.

Once a payment is debited from customer's account, the money is credited to your account the next business day. This applies whether the payment was collected via UPI AutoPay or eNACH. You can check the status of every payment and settlement from your RocketPay app or dashboard.