Banking & Payments
E-Mandate (eNACH) API for Recurring Payments
Set up and manage auto-debit mandates so EMIs, subscriptions and SIPs collect themselves — no manual follow-up.
If you collect recurring payments — loan EMIs, SaaS subscriptions, insurance premiums, SIPs — chasing each debit manually does not scale. An e-mandate (eNACH) lets a customer authorise recurring auto-debit from their bank account once, after which you can collect on schedule through the API.
How the mandate lifecycle works
- Create a mandate — the customer authorises recurring debit (amount, frequency, validity).
- Activate — the mandate is registered against the customer's bank account.
- Debit — you trigger each scheduled installment via the API.
- Manage — refresh, retry, skip or cancel installments as needed.
POST https://api.bilapi.com/v1/create-mandate
X-Bilapi-Api-Key: <your_api_key>
Content-Type: application/json
{
"customer_name": "Rahul Sharma",
"account_number": "1234567890",
"ifsc": "HDFC0001234",
"amount": "2500",
"frequency": "monthly"
}Why e-mandates beat manual collection
- Predictable collections — installments debit automatically on schedule.
- Lower defaults and follow-up cost — no manual reminders for each cycle.
- A complete API toolkit — create, refresh, retry, skip, cancel and query mandates.
BILAPI offers a full e-mandate (eNACH) toolkit — create, manage, debit, retry and cancel recurring mandates behind one key.
Good practice
- Verify the customer's bank account (penny drop) before registering a mandate.
- Store the mandate reference and authorisation for your records.
- Handle failed debits with the retry flow rather than re-creating mandates.