eNACH Mandate APIs for Automated Recurring Payments

Automate Recurring Payments with eNACH

Enable secure, auto-debit mandates for EMI, subscriptions, insurance & recurring billing — powered by NPCI eNACH rails. Reliable. Automated. API-First.

Create Mandate

Payment Orchestration for Recurring Mandates

Quintus empowers fintechs, NBFCs, lenders & subscription businesses to automate recurring payments using NPCI eNACH mandates. Set up, authenticate & debit payments — seamlessly through our unified API suite with smart reconciliation & real-time status updates.

Key Benefits

End-to-End eNACH Mandate Management

End-to-end eNACH mandate management

Complete lifecycle management from creation to execution

API-driven auto-debit & real-time status

Automated payment processing with instant status updates

Auto reconciliation & settlement reports

Smart ledgering with comprehensive reporting

Bank-grade compliance & security

NPCI compliant with enterprise-grade security

High success with smart routing

Optimized routing for maximum debit success rates

Fast go-live with easy onboarding

Quick integration with comprehensive documentation

Build secure recurring collections into your product.

From loan EMIs to subscription billing - automate all recurring payments with eNACH mandates.

Loan EMI Collections

Automate EMI collections with zero manual intervention and high success rates.

Insurance Premium Auto-Debit

Ensure timely premium collections with automated recurring payment mandates.

Subscription Platforms

Enable recurring billing for SaaS, media, and subscription-based services.

Rent/Tuition Fee Automation

Automate regular payments for education fees and rental collections.

Wealth & SIP Platforms

Automate systematic investment plans and wealth management contributions.

Utility Recurring Payments

Automate regular utility bill payments and service subscriptions.

Explore all use cases

Enterprise-grade eNACH Platform Features

Comprehensive features designed for high-volume recurring payment processing with maximum reliability and security.

Unified Mandate API

Create, verify & track mandates via single API with comprehensive documentation.

Real-Time Status Alerts

Instant notifications for mandate approvals, failures, renewals and debit status.

Automated Reconciliation

Smart ledgering, daily reports, and comprehensive settlement dashboards.

Payment Orchestration

Optimized routing and retry logic for maximum debit success rates across banks.

Multi-Mode Authentication

Net banking, debit card, and Aadhaar-based authentication options supported.

Scalable Infrastructure

Designed for millions of recurring transactions with 99.9% uptime guarantee.

How eNACH Mandates Work

Simple four-step process for automated recurring payments. Zero manual effort. Zero reminders.

Customer approves eNACH mandate

Simple mandate creation with multiple authentication options for customer approval.

Mandate authenticated via bank/NPCI

Secure authentication through NPCI-approved banking channels and systems.

Auto-debit triggers on schedule

Automated payment processing according to your predefined schedule and rules.

Success confirmation & reports

Real-time success confirmation and comprehensive reports in dashboard.

Request API Access

Security & Compliance

Enterprise-Grade Security Infrastructure

Built on the foundation of regulatory compliance and bank-grade security standards.

NPCI Compliant

Operating under NPCI‘s eNACH framework and guidelines

PCI-DSS Certified

Highest standards of payment data security and protection

Bank-Grade Encryption

End-to-end encryption for all transaction and mandate data

Fraud & Risk Controls

Advanced fraud detection and prevention systems