A mandate is a one-time permission your member gives you to collect payments automatically on a scheduled date. They approve it once — through UPI Autopay or eNACH, which are NPCI's systems for automated recurring payments — and every collection after that happens without any follow-up needed from either side.

Once a mandate is registered, RocketPay handles the full collection lifecycle automatically. On the due date, a debit instruction is triggered via UPI Autopay or eNACH. If the debit fails, intelligent retry runs automatically until the mandate window closes. Every attempt, status change, and settlement is logged in real time — accessible via dashboard or API webhook.

Any NPCI-registered UPI app and bank supports UPI AutoPay mandate registration — including PhonePe, Google Pay, Paytm, BHIM, WhatsApp Pay, Amazon Pay, and all major bank-native apps. The mandate is registered against the customer's VPA handle. For the complete and updated list of supported banks and PSP apps, visit the official NPCI page.

The three most common eNACH mandate 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. Available methods vary by bank.

These limits apply per debit — not per mandate. UPI Autopay supports collections up to ₹15,000 per transaction. eNACH supports up to ₹1 crore per transaction. The mandate itself carries no amount cap — it simply authorises future debits on the schedule you set.

Pending — The mandate link has been sent to your member, but it is not approved yet. Active — Your member has approved the mandate. Collections will run automatically on the scheduled dates. Paused — The mandate is active but temporarily paused. Finished — The mandate has completed its full tenure. Cancelled — The mandate has been cancelled. Expired — The mandate link was not approved within the validity window and has lapsed.

No. Once a mandate is finished or cancelled, no further debits are possible against it. A new mandate must be created and approved.

No. A mandate requires only one-time authorisation. Once approved, all subsequent collections within the mandate happen automatically on the scheduled dates — no OTP, no PIN, no action required from either party.

Yes — your cooperative will need to complete a one-time KYC verification as part of onboarding. No KYC is required from your members — they simply authenticate the mandate, and collections run from there.

Settlement happens on T+1 — funds are credited to your account on the next business day after a successful collection. This applies to both UPI Autopay and eNACH.