Signzy e-NACH API

• The Signzy e-NACH API enables lenders and financial institutions to automate recurring payment mandates through seamless integration with the National Automated Clearing House (NACH) system. With this API, you can digitally initiate, authenticate, and manage e-mandates, making loan repayment collections frictionless, compliant, and secure—without the need for physical paperwork.

Major Customer

• ICICI Bank, KreditBee, CASHe, ZestMoney, PayU Finance

• These companies use Signzy’s e-NACH API to streamline EMI collections, subscription billing, and repayment automation.

Fees

• (Signzy) follows a usage-based pricing model, flexible to your volume of mandates and transaction flow.

• (Contact us) for a personalized pricing plan based on your business needs.

Features & Integrations

• Digital Mandate Creation: Initiate mandates digitally through Aadhaar eSign or Netbanking
• NPCI-Compliant: Fully integrated with NACH and adheres to NPCI & RBI guidelines
• Real-Time Status Tracking: Track approval, rejection, and activation of mandates
• Automated Debit Scheduling: Set up recurring debits with defined frequency and amount
• Webhooks & API Callbacks: Get instant updates on mandate lifecycle events
• Plug & Play Integration: Easily integrates into LOS, loan management systems, and billing platforms

Use Cases of Signzy e-NACH API

• Loan EMI Collection Automation: Set up recurring debit mandates for personal, home, or business loan repayments without physical paperwork.
• Subscription Payment Management: Enable automatic billing for SaaS, OTT, insurance premiums, or education services through digital mandates.
• Buy Now, Pay Later (BNPL) Recovery: Automate EMI recovery schedules and reduce default risk for BNPL or credit-line models.
• Credit Card Bill Auto-Pay Setup: Allow users to set up e-NACH mandates to auto-debit monthly credit card bills securely.
• Insurance Premium Payments: Facilitate recurring policy premium collection for health, term, or life insurance products.
• Digital Lending & Disbursal Readiness: Link e-NACH setup to loan disbursal, ensuring collections are secured before funds are released.
• Utility & Rent Payment Automation: Enable recurring debit for electricity, broadband, co-living rent, or mobile postpaid bills.
• Corporate Salary Deduction Agreements: Automate mandate creation for salary-linked loan repayments or investment plans. Recurring Investment Plans: Support mutual fund SIPs, RD contributions, and recurring deposits via e-NACH mandates.
• Fraud-Free Auto-Debit Management: Ensure mandate authentication with user consent (via Aadhaar eSign or net banking) for secure, traceable payments.

Advantages of Using Signzy e-NACH API

• Faster Mandate Setup: Go from borrower consent to mandate activation in minutes

• Reduces Drop-offs: Removes friction in the payment authorization journey

• Improves Collections Efficiency: Automates recurring EMI payments and reduces manual intervention

• Regulatory Compliant: Built in accordance with NPCI and RBI e-mandate frameworks

• Scalable Infrastructure: Suitable for NBFCs, banks, fintechs, and subscription-based businesses

• If your business needs a secure, compliant, and automated way to manage recurring payment mandates, the Signzy e-NACH API is a trusted solution for modern lenders and fintech platforms across India.