What is LotusPay?

LotusPay is the recurring payments solution for businesses and organisations in India. We enable our merchant clients to quickly and easily collect recurring payments online from their customers. We do this via NACH Debit (eNACH).

How do I learn more about the product?

Visit our Support section to learn more. It has comprehensive information for you and your customer.

Can I test it out before going live?

Yes, you can sign up for a test account. Click here for more information.

What is NACH Debit?

NACH Debit enables businesses to collect recurring payments directly from their customers' bank accounts. This is done by asking customers to authorise mandates for direct debit. NACH Debit has replaced ECS Debit. NACH Debit is a payment system of the National Payments Corporation of India and is regulated by the Reserve Bank of India under the Payment and Settlement Systems Act 2007.

What is eNACH?

eNACH refers to NACH Debit eMandates - paperless mandates.

How can I use LotusPay?

We have two plans:
- Standard: A straight-forward payment gateway solution for collection recurring payments via NACH Debit eMandates.
- Pro: For advanced requirements such as working with your own sponsor bank.
If you're not sure about how NACH Debit works, it's safe to go with Standard: We take care of everything and you just need a bank account to be paid out to.

Who can use LotusPay?

Anyone that wants to take recurring payments directly from their customers' bank accounts in India can use LotusPay.

Is there setup, maintenance or monthly fee?

In the Standard plan there is no monthly fee. We only charge a percentage fee for each successful transaction.

In the Pro plan there is a no monthly fee. We charge a fixed fee per mandate and a fixed fee per transaction. There is a minimum billing commitment.

There are no setup fees or maintenance fees.

What is LotusPay not suitable for?

LotusPay cannot be used for taking instant payments such as credit cards, debit cards, digital wallets and UPI. NACH Debit mandates can take a few days to set up, hence they are not suitable for anything that requires instant or urgent confirmation of payment. However, you can use LotusPay alongside other payment methods.

Isn't NACH Debit for big companies like mutual funds?

It was - until we came along. We have made NACH Debit simple, fast, accessible and affordable. It's more reliable and far cheaper than other payment methods.

Why is NACH Debit better for recurring payments than cards/wallets?

'Push' payment methods such as credit cards, debit cards, digital wallets and UPI generally require the customer to authorise each and every payment, so customers often delay, forget or fail to pay, or they just cancel. RBI has recently relaxed the requirement for second factor authentication on card-not-present transactions, which allows recurring payments on cards - but customers must have a card, be comfortable with using it, and must have authorised the instruction via the card network's security system.

NACH Debit is a 'pull' payment method: it requires the customer to only authorise an initial mandate for you to pull money from their account, following which they don't need to worry about authorising future transactions and you don't need to worry about chasing up customers for your payments. NACH Debit mandates are like cheques, so customers should not cancel them without your consent.

Cards can expire or get cancelled, so your payment will fail. NACH Debit mandates expire when you want them to, and they can't be lost or stolen so they are much more reliable for recurring payments.

Payment gateways charge you uncapped percentage fees of up to 3% for card, wallet and UPI payments. NACH Debit with LotusPay is much cheaper for you.

Most Indians do not have credit cards. NACH Debit requires the customer to have a bank account, which nearly everyone has.

Digital wallet payments require the customer to load the wallet first, which requires the customer's authorisation each time - again, more friction for paying you.

What is the legal basis for payments under NACH Debit?

NACH Debit mandates are like cheques: both are negotiable financial instruments. Therefore, customers should not cancel mandates without your consent, or fail to honour the payments drawn on the mandates.

Section 138 of the Negotiable Instruments Act 1881 accords certain rights and remedies to the payee of a cheque if the payer dishonours the cheque for insuffiency of funds (i.e. if the cheque bounces). Section 25 of the Payment and Settlement Systems Act 2007 accords similar rights and remedies to the payee against dishonour of electronic funds transfer for insufficiency of funds in the payer's account.

How do I get paid with LotusPay?

Your funds are paid directly into your bank account.

When do I get paid?

Your funds will reach you on the same day that we collect the amount from your customer.

What is the smallest amount that I can collect?

The smallest amount for a single transaction is Rs 100.

What is the largest amount that I can collect?

The maximum amount for any one transaction with eMandates is Rs 1,00,000 (1 lakh or one hundred thousand). NPCI will likely increase this limit in 2018.

There is no limit on the number of transactions.

Can I collect fixed amounts and variable amounts?

Yes. You can use our simple dashboard or API to create mandates/subscriptions/plans with fixed amounts or maximum amounts. Maximum amount in independent mandates or in mandates with ad hoc frequency allow you to charge customers variable amounts.

How often can I collect?

You can set frequency as intra-day, daily, weekly, monthly, bi-monthly, quarterly, half yearly, yearly - or build custom frequencies. You can even select ad-hoc frequency, meaning that you can collect payments as and when you want.

How it works

How does it work?

Signing up takes just 10 minutes. We will review and activate your account within two business days.

  • In our web dashboard, you create a plan or pre-fill a mandate and invite your customer to authorise their subscription.
  • Your customer receives an email from your company's name, containing a link to your branded authorisation page on our server. Your customer visits the link and completes the simple and quick process.
  • We quickly process the NACH Debit eMandate through secure banking channels. Once the mandate is active, we collect payments and pay them out to you.
  • Your customer is kept informed of every debit from their bank account by an email from your company name, and we keep you informed of every subscription, payment and pay out.
Can customers sign up on my website?

You can create payment links and post this on your website. On clicking this link the customer will be sent to your branded page on our server where they can authorise the mandate.

How does the customer authorise payments to me?

Your customers authorise payments to you via NACH Debit eMandates. Most individuals can electronically sign a mandate using Aadhaar eSign. Many authorised signatories of non-individual bank accounts can also do the same, depending on which bank they are banking with.

Can I make the eMandate for my customer?

You can enter the customer's details, or assist the customer to do so, but the customer needs to personally authorise the eMandate.

How do I know if I've been paid?

In our online dashboard you can see up-to-date information on your customers and payments. We will also notify you by email.

Getting started

Do I need to sign an agreement?

Signing up online and using our service means that you accept our merchant agreement, which you can find linked at the bottom of this page. There is nothing else to sign.

What details do you need from me?

After signing up, we will ask you for your organisation's details, your bank account details and your personal details. We will also need some documents to verify both you and your organisation.

You must have a bank account in India to receive the settlement payouts. It is not possible to be paid out to a foreign account.

You do not need to be NACH-enabled. You would be benefitting from LotusPay's deep NACH integration with our banking partners, hence you simply need a bank account to be paid out to - we take care of everything else.

If you want to be on our Pro plan to benefit from absolute fees (rather than percentage fees) and only your name appearing on your customer's bank statement, you would need a NACH utility code. We can get that for you, free of cost. You do not need to discuss NACH with your bank.

How do I test the product?

You can easily sign up and test it out for yourself. In case you prefer to see a demo, please contact us and we will schedule a time to give you a live demonstration. We can also provide you with a sandbox account for testing.

Can I sign up if I am not a company?

Yes. LotusPay is available to companies, partnerships, trusts, societies, proprietorships and government organisations. Individuals cannot currently be LotusPay clients.

Can I sign up if I am a charity or religious organisation?

Yes. Charities and religious organisations are perfectly welcome. You must be a registered trust, society or non-profit (Section 25) company. Due to RBI FEMA regulations, you can not collect funds from a customer's NRE account.

How do I sign up as a developer?

Developers should sign up as normal and then get in touch with us to review our API.

Can I check the product for free?

Yes, you can sign up without any commitment and see how the product works. There is no lock-in or payment due and you can stop using the product at any time. We only take payment for successfully processing transactions for you.

I'm already using NACH Debit. Can I switch to LotusPay?

Yes. It's easy to migrate your existing NACH Debit mandates to LotusPay. We do not charge any fee for migration. Please contact us to get started.

Physical mandates

Do you process physical mandates?

No. We are a technology-driven product company, hence we focus on paperless direct debit: eMandates (eNACH).

Should I use physical mandates or eMandates?

eMandates are better, easier, faster, cheaper and more secure than physical mandates. The current version of eMandates works with Aadhaar eSign, which means they are ideal for taking eMandates from individuals. Some banks will accept Aadhaar eSign eMandates for non-individual accounts, such as accounts of private limited companies. That would require the authorised signatory of the account to have updated their Aadhaar number on their company bank account. For those banks that do not support such eMandates, the alternative option is to use physical mandates.

Can I use both physical mandates and eMandates?

Yes. Most banks will gladly offer you a physical mandates service. LotusPay can help you with eMandates.

We created physical mandates elsewhere. Can we take payments on those mandates via LotusPay?

Yes! NPCI's corporate portability guidelines allow you to do this. Get in touch and we'll help you get started.


What is an eMandate?

eMandates (electronic mandates) are system-generated XML files that contain essentially the same information as physical mandates, but they also contain the customer's digital signature. eMandates are designed to be read by computers, not people - you would have difficulty understanding the contents of an electronic mandate file.

eMandates must be digitally signed by the customer via Aadhaar eSign.

What are the prerequisites for my customer to make an eMandate?

Your customer can submit an eMandate if all of the following conditions are met:

  1. Your customer has an Aadhaar card.
  2. Your customer's bank (known as the 'destination bank') is enabled for eMandates.
  3. Your customer is an individual (for most destination banks). Some destination banks will allow non-individuals such as companies and trusts.
  4. Your customer's bank account can be operated by any one joint account holder if the account is jointly held.
  5. Your customer has linked their Aadhaar card to the bank account that they want to use for this subscription.
  6. Your customer has a valid and available mobile number or email address registered to the Aadhaar card. This is to receive a One Time Password from UIDAI via SMS or email.
  7. The amount of the mandate is less than Rs 1 lakh.

If you do not pre-fill the customer's details before inviting them to subscribe, then we guide your customer through these requirements in the mandate form.

What if my customer's bank account is a joint account?

If your customer's bank account is a joint bank account, they should authorise the eMandate only if the mode of operation is 'Either or survivor' or 'Anyone or survivor'. If the mode of operation is 'Jointly' then they cannot use eMandates as their bank will decline to create the mandate.

What is Aadhaar?

Aadhaar is the government's unique national biometric ID for every resident of India.

What is linking of mobile to Aadhaar?

For eSign NACH Debit to work, the customer must have linked their mobile or email to their Aadhaar. This is to receive a One Time Password via SMS or email during the eSign process. Most people have added a mobile number or email address (or both) to their Aadhaar profile. If a mobile number has been linked, it appears on the Aadhaar card itself. This is the mobile number to which UIDAI sends One Time Passwords via SMS for Aadhaar-related services such as authentication and profile changes. If no mobile number appears on the Aadhaar card, it means the customer has not linked it. The customer can link mobile to Aadhaar by visiting any Aadhaar centre with the required document proofs for updating Aadhaar.

NB: Linking mobile to Aadhaar is not the same as linking Aadhaar to mobile. Linking mobile to Aadhaar is done in the UIDAI database, and one Aadhaar can only have on mobile number. Linking Aadhaar to mobile is done with the mobile network operator, and multiple mobile connections can have the same Aadhaar.

What is eSign?

eSign is the process of digitally signing an electronic file. There are many different types of digital signature, but the only one that is valid for eMandates is Aadhaar eSign.

Aadhaar eSign is a particular type of eSign that uses an individual's Aadhaar details to verify the identity of the individual and generate a temporary digital signature for signing an electronic file - in this case, an eMandate.

What does it mean to link Aadhaar to bank account?

For eSign NACH Debit to work, the customer must have linked their Aadhaar to their bank account. This means they should have updated their bank account profile with their Aadhaar number. All banks are encouraging their customers to do this, and most banks have enabled customers to do this in netbanking. Customers can do it in the bank branch too. The government has made it mandatory for customers to do so by 31st December 2017, under the Prevention of Money-laundering Act 2002.

NB: Linking Aadhaar to bank account is not the same as seeding Aadhaar to bank account. Linking means that a person has updated their bank account profile with their Aadhaar number - anyone can have multiple bank accounts all with the same Aadhaar number. Seeding is more specific: it is the process by which a person declares that they want direct transfer of government benefits to a nominated bank account. A person may only seed one of their bank accounts. Seeding is not necessary for eSign NACH Debit. Seeding automatically includes linking, so if a person has seeded a bank account then it means linking is done.

How does one know if Aadhaar has been linked to bank account?

Any bank customer can easily check in their netbanking if Aadhaar has been linked to their bank account. Alternatively, the customer can call their bank or visit their branch.

Which banks are enabled for eMandates?

The following is a list of the main banks that are currently enabled as destination banks for eMandates via eSign. 'Destination bank' means the bank of the end customer, from whom payment is being taken.

  1. Andhra Bank
  2. Axis Bank
  3. Bank of Baroda
  4. Bank of India
  5. Bank of Maharashtra
  6. BNP Paribas
  7. Canara Bank
  8. Catholic Syrian Bank
  9. Central Bank of India
  10. Citibank
  11. Corporation Bank
  12. DBS Bank
  13. DCB Bank
  14. Dena Bank
  15. Deutsche Bank
  16. Federal Bank
  17. HDFC Bank
  18. HSBC
  19. ICICI Bank
  20. IDBI Bank
  21. IDFC Bank
  22. IndusInd Bank
  23. Karnataka Bank
  24. Karur Vysya Bank
  25. Kotak Mahindra Bank
  26. Oriental Bank of Commerce
  27. Punjab National Bank
  28. RBL Bank
  29. South Indian Bank
  30. Standard Chartered Bank
  31. Syndicate Bank
  32. Tamilnad Mercantile Bank
  33. UCO Bank
  34. Ujjivan Small Finance Bank
  35. Union Bank of India
  36. Yes Bank

Aside from these, there are over 100 other smaller banks (including regional, co-operative and small finance banks) which are also live. The full current list is available here on NPCI's website.

Coming soon:

  • State Bank of India
  • Bandhan Bank

New banks are getting enabled every week. All the leading banks except for SBI are already enabled. If your customer's bank account is with a bank that is not enabled for eMandates, the alternative is physical mandates.

How does the customer's bank verify the eMandate?

The customer's bank verifies the customer's Aadhaar eSign digital signature using a validation engine. Since the customer has already updated their bank account profile with their Aadhaar, the customer's bank can easily verify that the person who signed the eMandate is the same person who owns the bank account mentioned in the eMandate.

Is there another way of doing eMandates?

Currently, Aadhaar eSign is the only way to create an eMandate. We will soon add two additional methods: your customer will be able to authorise an eMandate via netbanking login or via debit card and PIN. This is ideal for those customers (including non-individuals) who do not meet the prerequisites for Aadhaar eSign eMandates.

What if I need evidence of the eMandate?

We can provide a digitally signed confirmation letter of the details in the eMandate on demand.

Customer experience

What does my customer see on the payment page?

Customers always see an explanation that you want to charge them according to the payment plan that you invited them to subscribe to.

The rest of the process that your customer sees depends on what options you have selected for them.

A) Merchant-filled form: If you have pre-filled the customer's details using our dashboard or API, your customer directly sees the check details page. Then the customer checks their details and goes through the eSign process.

B) Customer-filled form: You can create plans (templates for subscriptions) and share the plan links with your customers. The customer sees that you want them to set up a subscription of a certain amount and frequency, and they see a simple form for entering their own details. Then the customer checks their details and goes through the authorisation process.

We guide the customer through the Aadhaar eSign process. The customer agrees to the resident consent for Aadhaar-based authorisation.

- OTP: Your customer receives a One Time Password (six digit number) by SMS and/or email from UIDAI. They must enter this code on the page. If they enter the code correctly, they see a confirmation page and are sent to the redirect URL that you provide.

- Biometric: If you have integrated a UIDAI-approved biometric device into your web/mobile app, you can take a fingerprint scan from your customer to sign the eMandate.

What name appears on my customer's bank statement?

In our Standard plan, both our name and your name will appear on your customer's bank statement. You can customise how your name will appear in the settings section of your LotusPay dashboard.

In our Pro plan, only your name appears on your customer's bank statement.

Can I host the payments page on my site/app?

Yes, on the Pro plan. You can benefit from a white-labelled solution.

On the Standard plan, the customer authorises the mandate on your branded page on the secure LotusPay website. The payment process is technologically complex and we make it very simple.

For both plans, we we store the customer's details in a secure server which is independently audited for data security up to CERT-IN standards.

For Aadhaar eSign eMandates, UIDAI regulations require that Aadhaar eSign must be performed on an eSign gateway page. As an authorised ASP (Application Service Provider), LotusPay already has this integration in place.

If you integrate LotusPay into your mobile app, you can show the eSign page via web-view within your app.

What communications do you send to my customer?

We send email notifications to your customer when you invite them to subscribe to your plans, when payments are collected, and when there are changes to their eMandates. The email address is ours but the display name is yours. We Bcc all customer emails to you too. We do not send SMS notifications.

Can my customer use your dashboard?

No. The LotusPay dashboard is only for you - our client.

Do you provide customer support to my customers?

No. Our payments solution is for you - our client. You will need to continue supporting your customers. If they have questions about their payments, your LotusPay dashboard gives you all the information you need to answer their questions. If you need help, you can easily ask us.

NACH Debit

Which banks offer NACH Debit?

More than 900 banks in India offer NACH Debit, and they represent nearly all banking customers in India.

How long does it take to set up a mandate?

eMandates are generally verified by the customer's bank within one or two business days. Compare this to physical mandates, which can take 7-30 days.

Can the eMandate fail?

The customer's bank can reject creation of the eMandate if it contains invalid information, for example if there is a wrong account number or if the customer has not updated their bank account with their Aadhaar number.

More than a quarter of all physical mandates are rejected due to signature mismatch. However, eMandates are never rejected for signature mismatch because they are pre-authorised by the customer and the signature is an encrypted digital code, not a physical 'wet' signature.

If an eMandate creation fails, we will inform you immediately along with the reason. You can easily invite your customer to try again.

How do I know that my customer will pay?

NACH Debit, like a cheque, is a negotiable financial instrument - it cannot be revoked (although it can be cancelled). The signer must honour payments agreed in the eMandate. If the customer revokes the eMandate or fails to honour the payments, you have legal recourse under the Payment and Settlement Systems Act 2007.

Can the payment fail?

If your customer does not have cleared funds in their account, the debit will fail (just as a cheque bounces). You and your customer will both be informed by email, and you will also see it online. We will re-attempt the debit once, on the next bank working day.

There can be other reasons why payments fail such as: bank account closed or mandate cancelled. We will always inform you of the reason why a payment failed.

How does the money reach me?

If the mandate is linked to a subscription, you do not need to take any further action - LotusPay will automatically collect the fixed regular amount on the scheduled charge date.

If the mandate is not linked to a subscription, then you need to request the payment no later than 9am on the desired charge date. You can do this our dashboard, via bulk file import, or via our API.

On the due date of the transaction, we request the customer's bank to send funds as per the agreed eMandate. The customer's bank sends the funds to our bank's nodal (intermediary) account. As soon as we receive the funds, we instruct our bank to pay out the funds to you. Funds reach you on the same day because we pay out by IMPS. We do not earn any interest on your funds. You receive bulk settlements for all the funds payable to you on that day from all your customers.

How do I reconcile my settlement?

In our simple online dashboard, you can easily view the customer debits and your settlement credits. You can export data to CSV with a single click and manipulate it in a spreadsheet or import it into your own application, CRM or accounting software. You can also use our API to do this.

Can I close my LotusPay account and keep my eMandates?

Yes. If you want to stop using LotusPay, you can easily migrate your eMandates out of your LotusPay account at any time, free of cost. We will help you do it. You can port your NACH Debit process to any sponsor bank or provider.

Invoices and GST

How do you collect your fees?

We deduct our fees after collecting funds from your customers and before paying out the funds to you.

Do you charge Goods & Services Tax (GST) on your fees?

Yes, we are registered for GST therefore we charge you GST on our fees.

LotusPay GST ID Number: 06AAKCM4109M1Z9

Is your system GST-compliant?

Yes. We report GST collections. If you report your GST paid to us, you will get input tax credit.

Do I get an invoice?

Yes, you can easily view your monthly tax invoices in our dashboard.

What if I am not registered for GST?

If you are not registered for GST, GST compliance does not affect you but since we are GST-registered you still have to pay us GST on our fees. We pay this GST to the government but you would not get the benefit of input tax credit (meaning you cannot claim offset for your paid GST against your received GST).


Is NACH Debit safe?

NACH Debit is a payment system created and managed by the National Payments Corporate of India, and regulated by the Reserve Bank of India. It is a tried and tested payment method used by hundreds of institutions to collect recurring payments. It is an extremely robust payment system - for example, it is used by all mutual funds for collecting payments for systematic investment plans.

Is my data and my customer's data safe?

Our website uses SSL (Secure Socket Layer) for transmission of all data between users and us. Our system is hosted on secure servers in India and has stringent data security policies in place. Our system has been independently certified to ISO 27001 information security standards and in accordance with the Information Technology Act 2000 and applicable rules and regulations.

Who is checking that you are secure?

LotusPay has been audited and certified by an independent expert agency for our information and cyber security practices. The agency is empanelled by CERT-IN, the government's department for cyber security in the Ministry of Electronics and Information Technology.

Is my money safe?

NACH Debit is a highly regulated and robust payment system. LotusPay receives client funds into a nodal account: a non-interest paying account for client funds, legally controlled by our bank. Therefore client funds are entirely segregated from our own funds and we would not benefit from delaying disbursement to you. We generally disburse funds to you on the same day we receive them. RBI regulations state that client funds cannot be kept in a nodal account for longer than three days.

How do you deal with vulnerabilities?

We work hard to maintain a safe and robust platform. If you believe you have discovered a vulnerability, we ask that you disclose it to us in a responsible manner. Sharing vulnerabilities publicly puts our entire user base at risk, so we urge you to keep issues private until we have had a chance to fix the issue.

What if I see a problem?

Please report it immediately to us by emailing security@lotuspay.com and we will take swift action. If you disclose the vulnerability in a responsible manner, we will pay you a reasonable cash reward in recognition of your efforts in security research. We will not pay rewards for denial of service attacks or other deliberate disruption of our service.

Developer API

How does the LotusPay API work?

Our powerful REST APIs enable you to seamlessly integrate our product with your web or mobile application. We provide you with an API key which is used for authenticated communications between our system and your system. Your developers can easily create powerful integrations with LotusPay and use our webhooks to pull any information into your application, and push instructions to us to create, modify and cancel objects such as customers, bank accounts, eMandates, subscriptions and payments.

How can I get started with the API?

Get in touch with us and we will share the documentation with you.

Can I have a developer sandbox for testing purposes?

Yes, you can sign up at https://test.lotuspay.com/signup and visit our sandbox support page to learn more.

Can I host the payment pages on my site?

Yes, but only with LotusPay Pro. With Pro, you’re able to design your own payment pages and you can host them directly on your website.

On the standard LotusPay product, we host the payment pages securely on our website in order to comply with the security rules of the banking and signing systems.

You can redirect the customer to our payment page and we will redirect them back to your site. Alternatively, you can allow customers to access the payment pages via a pop-up from your website.

Do you offer iFrames?

No. The mandate authorisation process may not function reliably and securely within an iFrame.

Can payments be made directly via the API?

Only once authorisation (the NACH Debit mandate) is in place. Customers must be sent to secure payment pages to give initial authorisation of the NACH Debit.

To make this as easy as possible for your clients, you can pass their personal information to us via the API to prepopulate the form.

Once authorisation is in place, payment can be requested via the API.

What information do you make available via the API?

LotusPay provides webhooks to notify Merchants of any changes in the status of its resources. One extremely useful example is determining when a bill has been paid.

You can find out more about available webhooks and how to use them in our developer documentation.

Do you have mobile SDKs for Android and iOS?

Yes! Our mobile SDKs are provided to you as a single-line integration.

Do you have a plugin for WordPress/Joomla/Drupal etc.?

No, but our APIs are very simple for you to integrate.

Where can I get technical support?

You can email us at support@lotuspay.com. Our developers are on hand 10am-6pm, Mon-Fri to help with your technical queries.

A number of detailed product guides are also available in our Support Centre.