API eMandate authorisation can return an error if the supplied details are incorrect, if the customer denies authorisation, or for technical reasons. You'll be notified instantly. Most error types can be easily rectified.
Note that eMandate authorisation errors are different to mandate failures.
eMandate authorisation in ONMAGS (NPCI's Online Mandate Approval Gateway System) can return errors due to various reasons. Click here to see a full list of reasons.
API eMandate authorisation can return an error on the destination bank website if that bank rejects the mandate authorisation or has a technical issue. If the error is a technical issue, you may report it to LotusPay Support, we will report it to NPCI, and NPCI will report it to the destination bank and ask them to fix it.
When an eMandate authorisation error occurs, LotusPay informs you via webhook if you have provided a webhook URL. You can also view the error in the LotusPay dashboard on the mandate page.
Depending on your integration method, your customer can reuse the same eMandate link or you can create a new one for them.
Typical eMandate authorisation errors are:
- Customer's bank account is not eligible for eMandate (e.g. some types of business account and jointly-held accounts).
- Customer's bank account is inactive or dormant.
- Customer is not maintaining minimum required/average balance.
- The input account number does not match with the net-banking login or debit card.
- Technical error in the bank's website.
The success rate of API eMandate authorisation is a function of multiple factors, including:
- Intent - whether the customer fully intended to complete the check-out. Customers may simply abandon the checkout by closing the browser.
- Internet connectivity - whether the customer had a stable internet connection. Customers may lose internet connectivity during the checkout.
- Technical error - whether the destination bank website is functioning correctly. Sometimes they may be having a temporary technical issue.
- Validation error - whether the destination bank website is correctly declining the authorisation due to an invalid attempt e.g. wrong account number.