When your merchant asks you to authorise an eMandate, you will go through several screens. Here's what you need to do.
Step 1. On the electronic mandate ('eMandate') authorisation page (either on your merchant's website or on LotusPay), you can check the mandate details and proceed with authorising it. Read the NACH Debit consent and check your mandate details, then click Continue.
Step 2. You will be redirected to the NPCI website. If your merchant has pre-selected your bank and authorisation method, you can simply click Continue. Else you can select Net Banking or Debit Card, then select your bank from the list and click continue.
You will be redirected to your bank's website. This stage varies depending on your bank's process. Some banks will do the next two steps in reverse order.
Step 3. Review the mandate details and click on the button to proceed.
Step 4. Log into your internet banking or enter your debit card and PIN (depending on the option you selected earlier).
Step 5. You will need to enter an OTP that you receive via SMS to the mobile number registered with your bank. Some banks may also ask your permission to do a one Rupee transaction to authorise the mandate.
You will be redirected back to NPCI, back to LotusPay, and then back to your merchant's website.
That's it - all done!
In rare cases, you may have trouble completing the above steps. Not to worry! You can always try again using the same link that you started the process from.
If you did not receive the SMS within three minutes, there could be a few reasons:
If you're seeing an error message on the NPCI page: