e-NACH Mandate Registration

Banking & Credit

Create an electronic mandate, send the customer through bank authentication and receive the registered mandate reference, so EMIs, premiums and subscriptions can be auto-debited from day one.

Endpoint

POST https://app.emver.io/api/sandbox/v1/enach-mandate

Authorization: Bearer YOUR_API_KEY

Content-Type: application/json

Accept: application/json

Request parameters

Field	Type	Description
`account_number` required	string	Account number
`ifsc` required	string	IFSC
`amount` required	number	Maximum amount
`frequency` required	string	Frequency
`start_date` required	date	Start date
`end_date` optional	date	End date

Example request

cURL

curl -X POST https://app.emver.io/api/sandbox/v1/enach-mandate \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -H "Accept: application/json" \
  -d '{
    "account_number": "string",
    "ifsc": "string",
    "amount": 0,
    "frequency": "string",
    "start_date": "YYYY-MM-DD",
    "end_date": "YYYY-MM-DD"
}'

import requests

response = requests.post(
    "https://app.emver.io/api/sandbox/v1/enach-mandate",
    headers={
        "Authorization": "Bearer YOUR_API_KEY",
        "Accept": "application/json",
    },
    json={
        "account_number": "string",
        "ifsc": "string",
        "amount": 0,
        "frequency": "string",
        "start_date": "YYYY-MM-DD",
        "end_date": "YYYY-MM-DD"
    },
    timeout=60,
)
response.raise_for_status()
data = response.json()

const response = await fetch("https://app.emver.io/api/sandbox/v1/enach-mandate", {
  method: "POST",
  headers: {
    "Authorization": "Bearer YOUR_API_KEY",
    "Content-Type": "application/json",
    "Accept": "application/json",
  },
  body: JSON.stringify({
      "account_number": "string",
      "ifsc": "string",
      "amount": 0,
      "frequency": "string",
      "start_date": "YYYY-MM-DD",
      "end_date": "YYYY-MM-DD"
  }),
});

const data = await response.json();

$response = Http::withToken('YOUR_API_KEY')
    ->acceptJson()
    ->post('https://app.emver.io/api/sandbox/v1/enach-mandate', {
        "account_number": "string",
        "ifsc": "string",
        "amount": 0,
        "frequency": "string",
        "start_date": "YYYY-MM-DD",
        "end_date": "YYYY-MM-DD"
    });

$data = $response->json();

Replace YOUR_API_KEY and the placeholder values. Use the switch above to see production URLs.

Response

Structure · 200

{
  "status": INTEGER,
  "message": STRING,
  "data": {
    "mandate_id": STRING,
    "authentication_url": STRING,
    "status": STRING,
    "umrn": STRING
  }
}

Example · 200

{
  "status": 200,
  "message": "string",
  "data": {
    "mandate_id": "string",
    "authentication_url": "string",
    "status": "string",
    "umrn": "string"
  }
}

Error · 4xx / 5xx

{
  "status": INTEGER,
  "message": STRING
}

See Errors & status codes for what each status means and which calls are billed.

About this API

Send the mandate terms — amount, frequency, start and end dates, bank details. The API returns an authentication link; once the customer completes it, the mandate status and UMRN come back synchronously or by webhook.

Consent. The customer authenticates the mandate with their bank; that authentication is the consent.

Typical uses

Loan EMIs. Register the mandate at disbursal.
Insurance premiums and subscriptions. Recurring collections without cheques.

Questions

Which authentication modes are supported?: Net banking, debit card and Aadhaar-based authentication, subject to the destination bank.