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Basic Questions
How it Works
e-mandate
Physical Mandate
Aadhaar Mandate
APIs
UPI Autopay
Basic Questions
What is zipNACH?
zipNACH is a recurring payment solution for businesses and organizations in India. We help our merchant clients collect recurring payments online from their customers quickly and seamlessly. We do this through physical NACH Debit authorization and Electronic Authorization (eNACH).
How do I learn more about the product?
On boarded merchants have access to our online Knowledge Base. It has comprehensive information for you and your customer.
How does it work?
- Signing up takes just 10 minutes. We will review and activate your account within two business days.
- In our web dashboard, you create a plan or pre-fill a mandate and invite your customer to authorize their subscription.
- Your customer receives an email from your company's name, containing a link to your branded authorization page on our server. Your customer visits the link and completes the simple and quick mandate authorization process.
- We quickly process the NACH Debit mandate through secure banking channels. Once the mandate is active, we collect payments and pay them out to you.
- Your customer is kept informed of every debit from their bank account by an email from your company name, and we keep you informed of every subscription, payment and pay out.
How it's Work
How would zipNACH help in my business?
zipNACH can help your business go paperless; save you operating costs and time. Whether you need to refer new customers, collect an EMI loan, or verify identity documents (KYC), zipNACH has a convenient digital solution.
What is the cost for Integration?
Click here
to understand our pricing plans for consumers. For businesses, you can request a quote here (kindly include your use cases and expected monthly volumes).
Who can I reach out to for a demo session?
Please feel free to write to us at
sales@yoekisoft.com
or reach out to us at
‘8448120153’
for any queries.
Where can I find the API documentation?
Please reach out to us at
sales@yoekisoft.com
in order to access the API documentation.
What is the benefit of digitizing the mandate process?
The biggest advantage of digitizing the mandate process is time saving. The actual amount of time Physical Mandate takes is between 20 and 25 days to be registered, during this time it is difficult to assess the status of the Physical Mandate. In addition, the reliance on logistics and wet ink signatures is significantly reduced. zipNACH allows you to digitize the physical mandate process, reducing Turnaround Time (TAT) from 20-25 days to 7-10 days. In addition, a detailed dashboard allows you to track and monitor the status of the authorization registration.
Where can I get technical support?
You can email us at
customersupport@yoekisoft.com
Our developers are on hand 10am-6pm, Mon-Fri to help with your technical queries. A number of detailed product guides are also available in our Support Centre.
e-mandate
What are the features available on zipNACH for e-mandate?
- Mandate registration in e-mandate can be done in 2 ways in zipNACH
- Web Panel
- API
What are the types of authentication modes?
Below are the two types of authentication modes.
- Debit card
- Net Banking
Is e-mandate registration available for all banks?
- Currently 60+ banks are live in e-mandate.
How long does it take to register an e-mandate?
- e-mandate registration is done in Real Time.
What is the maximum limit amount set for e-mandate?
10 Lakhs is the maximum amount set via NPCI for e-mandate.
For which type of businesses, Mandate can be used?
- Clients which are in recurring payment businesses mandate can be very useful for them.
Physical Mandate
What are the features available on zipNACH for e-mandate?
- Mandate registration in e-mandate can be done in 3 ways in zipNACH
- Mandate registration can be done in 3 ways in zipNACH.
- Debit card
- Net Banking
Aadhaar Mandate
What is the purpose of using eSign – online electronic signature service?
- An Application Service Provider (ASP) can integrate eSign online electronic signature service so that the users of that ASP will be able to use eSign. A physical paper form/document which is currently used to obtain digital signature certificate can be replaced by its electronic form and thereby facilitate electronic signature of the signer through eSign.
Whether it is a legally valid signature?
- Yes. The electronic signatures facilitated through eSign online electronic signature services are legally valid, provided the eSign signature framework is operated under the provisions of Second schedule of the Information Technology Act and guidelines issued by the controller.
Who can provide eSign- online electronic signature service?
- At present, eSign online electronic signature service is offered by CAs. The security requirement for this service is mandated at the same level as currently mandated for CAs. A CA should sign KYC User Agency (KUA) agreement with UIDAI to enable access to e-KYC service.
What are the different classes of certificates used in eSign mandate?
- OTP and biometric class.
Whether the digital signature certificate is revocable?
- Revocation of certificate is not necessary as the certificate validity is 30 minutes and private key is deleted immediately after signature creation.
Is there any identification to know if a mandate is initiated through eSign?
- Yes. The UMR number which is 20 digits will have the 5th digit as “6”, when initiated using eSign.
How will the customer come to know whether the mandate is accepted by his bank?
- SMS should be sent by the destination bank to the customer intimating the successful registration of the mandate.
APIs
How mandates initiated using API?
Corporate will develop an API in their portal or with the help of integrator which will have the facility of capturing all the mandate related information. Further merchant site re-direct the customer to bank page using NPCI interface for selection of authentication mode and for authenticating the mandate using either internet banking credentials or debit card credentials.
How merchant / customer will find the list of live banks for each authentication mode?
- NPCI interface will provide the list of the banks that are live on each authentication mode.
Is it mandatory to mention the utility code in the mandate?
- Yes. The mandate cannot be initiated without a utility code in the MMS system. The utility code helps to identify the corporate in whose favour the mandate is issued.
Who will issue the utility code?
- Utility codes are issued by NPCI at the request of the corporate routed through their bank.
What validations should be built in API?
- The APIs should be built in such a way that the key fields entered by the customer are validated against the mandatory data validation provided in the business specification document. If any data value is not in line with the specifications then the system should not allow submission of such mandate.
What is the TAT for the destination bank and acceptance by the sponsor bank?
- Destination bank to present the mandates on same day in NACH system. Sponsor bank to process and respond within the TAT of 2 days.
What is the procedure for cancellation of a mandate?
- Customer should approach the corporate for cancellation of a mandate. Based on the request, corporate will intimate the sponsor bank for initiating the request. The bank should follow the cancellation procedure detailed in the business specification document.
UPI AutoPay
Is it possible for customers to delete their VPA or UPI ID after mandate registration?
- No, customers do not have the option to delete their VPA or UPI ID. They must first request for the cancellation of the mandate.
Can the PSP app be removed after mandate registration?
- No, customers cannot delete the PSP app.
When will confirmation for mandate registration be received?
- Mandate registration confirmation is provided in real time.
Will customers receive notifications in the PSP app regarding mandate registration?
- Yes, customers will receive a push notification in their PSP app along with an SMS link.
Will customers be notified before a debit presentation?
- Yes, a Pre-Debit Notification (PDN) will be sent to the customer's registered number to ensure sufficient funds are available.
What is the maximum amount limit for UPI autopay?
- The maximum limit for UPI autopay, set by NPCI, is Rs. 2 lakh.
Will customers receive notifications during mandate registration?
- For every UPI autopay mandate registration, the payer app and issuer bank will send standard SMS/notifications to the user for pre-debit notification, execution, modification, pause, unpause, and revoke transactions.
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