RocketPay

What is a mandate?

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.

Which banks and UPI apps support UPI AutoPay mandate registration?

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.

What instruments can customers use to authenticate an eNACH mandate?

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.

Does a customer need to approve each collection separately?

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.

Is KYC required to start using RocketPay?

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.

How long does settlement take after a successful collection?

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.