Fintech APIs


Signzy’s e-NACH API enables quick automation of your collection needs. We support on-demand and auto-periodic debits with the flexibility of choosing the authorization mode by API or customer-facing screens.

e-NACH stands for Electronic National Automated Clearing House and helps banks, financial Institutions & government bodies electronically provide automated payment services. Customers can quickly pay their loan EMIs from their bank account without needing paper-based mandates. All that is required beforehand is a one-time authentication to be completed for registration of the e-mandate with their net banking details or debit card, after which all subsequent payments will not require customer intervention.


Use Cases of the API

USPs of the API

Fully Digital

Fully digitized resources


AI-driven decision engine

No Coding

No coding required


Easy to Use

Signzy’s e-NACH API is optimized for the best user experience. It is simple and effortless

Stops Fraudsters

With prime precision, our API will detect fraudsters who try to manipulate the collection process with fake credentials. We will ensure your safety

Reliable Collection

Our system verifies the timely, automated collection of funds

Paperless and Enhanced UX

Error-free and paperless e-NACH registration and payment automation


What is the expanded form of e-NACH?

e-NACH stands for Electronic National Automated Clearing House.

How is it different from ECS (Electronic clearing system)?

Although electronic, ECS is still a majorly offline process where physical documents are filed and checked manually.

Does the customer have eligibility criteria to avail of this?

As long as the customer has an Aadhar-linked bank account at a participating bank, they can avail of this service.

What types of banks support e-NACH?

Private sector banks, including Axis Bank, Yes Bank, Kotak Mahindra Bank and IndusInd Bank are active with e-NACH and e-Mandates. In addition, Bank of Baroda, Central Bank of India and Punjab National Bank are some public sector banks offering the services.

How do we integrate the e-NACH API

Once you receive the inquiry form, you can initiate the integration process with a click. Enter the details and directly integrate. Once integrated, you can provide the customer data and get the data processed.

What happens in case of insufficient funds?

Like any other transaction, the payment to the merchant is declined if there are insufficient funds.

How can an e-Mandate be canceled?

To cancel an e-Mandate, merchants can conveniently navigate to the Cashfree Payments dashboard. Once there, they have the option to cancel a customer’s subscription. Additionally, they can choose to edit the subscription and either upgrade or downgrade the selected plan. Whenever a customer decides to cancel or edit their subscription status, merchants will receive instantaneous notifications through webhooks, keeping them informed in real-time.

What are the charges for e-Mandate?

The charges for e-Mandate creation with Cashfree Payments are currently Rs. 5. Additionally, there is a charge of Rs. 5 per debit made through the e-Mandate.

What are the types of subscription models that merchants can offer through e-Mandate?

Merchants can offer three different types of subscription models through e-Mandate:

1. Fixed Model: In this model, customers are required to pay a predetermined fee for the subscription service after a specific period. For example, a monthly Netflix subscription might cost INR 300.

2. Pay per Consumption Model: With this model, customers are charged based on their usage or consumption. For instance, an electricity bill would depend on the number of units consumed.

3. Hybrid Model: This model combines elements of both the fixed and pay per consumption models. Customers may need to pay a set price as well as an additional fee based on their consumption. A private fitness trainer, for example, might charge INR 1000 for 30 sessions and an additional INR 400 per session beyond that.

How can one authorize recurring payments using e-Mandate/NACH mandate?

One can easily authorize recurring payments by using their Netbanking or Debit card credentials for a one-time authentication to register the e-mandate with their net banking details or debit card. Afterward, all subsequent payments will not require customer intervention.

How can customers register, edit, and delete mandates?

Customers can register, edit, and delete mandates entirely online through the e-Mandate services introduced by NPCI.

What is the definition of e-Mandate?

An e-Mandate is an electronic version of a mandate, which is a standing instruction given to the bank where a customer holds their account to debit a fixed amount to another bank account automatically.

What is the difference between e-Mandate and e-NACH?

e-Mandate and eNACH are two distinct processes. While e-NACH is governed by NPCI, e-Mandates are controlled by individual banks.