Automate recurring collections with secure, NPCI-compliant digital mandates.

eNACH enables secure, digital mandate creation for automated recurring payments directly from customer bank accounts. Designed for lenders, insurers, and subscription platforms, Viyona’s eNACH infrastructure simplifies mandate registration, improves collection success, and ensures compliant, large-scale debit automation.
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Key Features

  • End-to-End Mandate Lifecycle Management

    Digitally initiate, authenticate, register, and execute mandates with automated debit cycles and real-time tracking.

  • Multiple Authentication Modes

    Enable mandate approval through Net Banking, Aadhaar OTP, Debit Card, QR-based initiation, and mobile-first authentication journeys.

  • High Debit Success Optimization Engine

    Intelligent re-presentment and retry mechanisms improve collection efficiency and reduce missed payments.

  • Unified API-First Architecture

    Single integration layer supporting API, SDK, and SFTP file exchange for both modern and legacy banking systems.

  • Real-Time Webhooks & Status Tracking

    Instant updates on mandate status, debit outcomes, returns, and settlement visibility.

  • Enterprise-Grade Security & Compliance

    AES-256 encryption, role-based access control, audit logging, and compliance-ready infrastructure aligned with NPCI and RBI frameworks.

  • Fraud & Risk Monitoring Layer

    Velocity checks, mandate validation, return code mapping, and anomaly detection mechanisms built into the platform.

  • Pre-Built Dashboard & MIS

    Track mandates, collections, returns, and settlements through a centralized reporting interface.

How eKYC Setu Works

  • Mandate Initiation

    Mandates are initiated through API, web interface, LOS/ERP systems, or secure links shared via SMS/email.

  • Customer Authentication

    Customers authorize mandates using Net Banking, Aadhaar OTP, Debit Card, or assisted digital flows.

  • Mandate Registration

    Once approved, a Unique Mandate Reference Number (UMRN) is generated and registered with NPCI.

  • Automated Debit Execution

    On scheduled dates, debit files are processed automatically through the banking network.

  • Retry & Re-presentment Engine

    Failed transactions are intelligently retried based on configurable rules to improve recovery.

  • Settlement & Reporting

    Funds are settled into merchant accounts with real-time status updates, MIS reports, and reconciliation data.

REGUREGULATOR-WISE FOR ENACH

Usecases 

NBFCs & Lending Platforms
  • EMI collections for personal, auto, and business loans
  • Microfinance repayment automation
  • Gold loan & consumer durable finance collections
Insurance Companies
  • Premium auto-debit setup
  • Policy renewal collections
  • Long-term recurring payment mandates
Investment Platforms
  • SIP auto-debits
  • Mutual fund recurring contributions
  • Wealth management subscription plans
Utilities & Government Services
  • Electricity, gas, and water bill payments
  • Municipal recurring collections
  • Tax and service fee automation
Subscription Businesses
  • OTT platforms
  • SaaS billing cycles
  • EdTech fee collection
Enterprises & Platforms
  • Membership fee automation
  • Vendor recurring payment collections
  • Rental and leasing payment models

Why Choose Viyona Fintech for eNACH?

  • NPCI-Aligned Digital Mandate Infrastructure

    Built to support large-scale recurring payment ecosystems with secure, compliant mandate lifecycle management aligned with banking standards.

  • Higher Collection Success Rates

    Advanced retry and re-presentment engine improves debit realization and reduces missed EMI and subscription payments.

  • Multiple Mandate Authentication Options

    Support for Net Banking, Aadhaar OTP, Debit Card, and assisted flows ensures higher customer completion rates.

  • Unified Mandate Platform

    Single integration layer supporting both eNACH and UPI Autopay for broader recurring payment coverage.

  • API-First & Bank-Ready Integration

    Seamless integration through APIs, SDKs, and SFTP for compatibility with modern platforms and legacy banking systems.

  • Enterprise-Grade Security & Compliance

    Encrypted data flows, audit logs, RBAC controls, and compliance-ready infrastructure for regulated environments.

  • Faster Merchant Onboarding

    Pre-built mandate journeys, dashboards, and tracking tools reduce time to launch for lenders, insurers, and subscription businesses.

  • Scalable for High-Volume Collections

    Designed to handle large mandate volumes, daily debit cycles, and enterprise-level recurring payment loads.

  • Dedicated Lifecycle Support

    End-to-end assistance from onboarding to mandate execution, reconciliation, and reporting.

Start Your eNACH Integration

Share your details and our onboarding team will guide you through technical integration, certification, and production deployment of your eNACH setup.

    OUR EXPERT'S ANSWER

    Commonly Asked Questions 

    What is eNACH used for?
    eNACH is used to automate recurring bank account debits for EMIs, subscriptions, insurance premiums, SIPs, and utility payments.
    How long does integration take?
    Integration timelines vary based on banking connectivity and authentication flow selection, but API-based onboarding significantly accelerates deployment.
    Which authentication methods are supported?
    Mandates can be approved through Net Banking, Aadhaar OTP, Debit Card authentication, and assisted digital flows.
    How are failed debits handled?
    Our retry and re-presentment engine automatically reattempts collections based on configurable rules to improve success rates.
    Is the platform compliant with regulatory standards?
    Yes. The system is aligned with NPCI processes, banking protocols, and enterprise-grade security standards including encrypted data handling and audit logging.
    Can legacy banking systems integrate?
    Yes. The platform supports both modern REST APIs and traditional SFTP/file-based integration for legacy environments.
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