Simplify recurring payment collections with
DigiCollect
An easy to integrate and secure multi-mode offering for recurring payment collections, using the NACH & UPI
Sponsor Banks
Extensive integrations with major Indian sponsor banks to initiate e-Mandates for enterprises
Banks
Destination Banks
Enable recurring debits at a customizable frequency from any bank account used by your customers
All Indian Banks
UPI 2.0 Autopay Mandates
Enable recurring e-mandates using customers VPA/UPI ID to initiate seamless bank a/c authentication on any UPI app
Immediate & easy registration for faster turnaround
Timely payments from customers using the seamless UPI experience
Upper limit of ₹2 Lakh for a debit transaction
NACH API Mandate
Allow customers to setup an e-Mandate using their Net-banking or Debit card credentials
Real-time mandate registration with callback capability in the event of failures
Control user experience with an end-to-end API based flow
Upper limit of ₹1cr for a debit transaction
Aadhaar Based Mandates
Integrate Aadhar based mandates for customers without net banking & debit card facility
Only applicable if customer’s Aadhaar is linked to their bank account
End User initiates the Aadhaar eSign OTP for mandate registration
Upper limit of ₹1cr for a debit transaction
Physical Mandates
Setup high value recurring mandates in an assisted/non-assisted journey for joint account holders
Pre-filled NACH forms with a powerful OCR engine for signature and error detection
Partner app to generate and authenticate mandates
Upper limit of ₹1 crore for a debit transaction
Automate reconciliations, enhance collections
Payments processed $ 5.6 Billion and $ 2.2 Billion, Total vs Aggregator in CY - 2023
23X YoY
CY 2023 vs 2022
Payments processed by value
28X YoY
CY 2023 vs 2022
Payments processed by value on Aggregator
472,000 Crore
Payments processed by value, CY 2023
186,000 Crore
Payments processed by value on Aggregator, CY 2023
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Configurable business validations to ensure full compliance
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Digilocker Integration
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FAQ
02
What is an E-Mandate?
03
What is a utility code?
04
What is the benefit of digitizing the mandate process?
05
Can I edit an eMandate?
06
Can a mandate be signed using Aadhaar?
07
Will the amount in my mandate form be the amount debited every month?
08
How does DigiCollect shorten the physical mandate registration process?
09
How does DigiCollect simplify the e-Mandate registration process?
- The Digio widget opens as a native/overlay on the corporate’s web/mobile application with mandate values passed in the API.
- The user can then authenticate the mandate via Net Banking or Debit Card. Once successfully authenticated, NPCI returns a confirmation, which is, in turn, returned by Digio to the corporate’s application.
Lead time = 0, TAT reduces from T+2 days to T+1 days Full visibility on Dashboard with timestamps (no more blackbox situation that was the case with full physical mandates). Detailed MIS and Dashboard for both Mandate Registration and Debit status. Secured with two-factor authentication.
10
How can an individual authenticate an API-based/e-mandate?