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 digitized resources

AI-driven decision engine

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.