Collections Infrastructure for Regulated Lenders.

A mandate is a one-time permission your customer 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, AA-based partial recovery fetches available balance and recovers what is present. Non-cancellable mandates and intelligent retry ensure maximum credit recovery. 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. For the complete list of supported banks and their authentication options, visit the official NPCI page.

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. For portfolios where each collection exceeds ₹15,000, eNACH is the appropriate instrument.

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 debits are possible against it. The mandate is permanently closed. If you need to start collections again, a new mandate must be created and approved by the customer.

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 business will need to complete a one-time KYC verification as part of onboarding. This is a standard regulatory requirement for all businesses using payment infrastructure in India. No KYC is required from your end customers — 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. Settlement timing starts from when the debit is confirmed on the customer's account. You can track exact collection and settlement timestamps in real time from your RocketPay dashboard.