Physical mandates

Merchants can create NACH Debit physical mandates in LotusPay.

LotusPay offers image-based physical mandate processing to selected Standard merchants, and all Pro merchants.

There are hundreds of destination banks live for physical mandates. You can see the current list here (look for the ACH DR column).

Physical mandate images uploaded in LotusPay are automatically submitted to the sponsor bank and processed. Mandate statuses can be received via web-hook, API and CSV export.

All sponsor banks require that you take the paper mandate from the customer.

NPCI regulations strictly require you to take a wet signature on the paper mandate, and strictly prohibit editing of the scan/photo. The soft data must precisely match the paper data.

If you have access to a printer at the time of taking the customer's details and signature, you can make computer-generated physical mandates. Otherwise, you can make hand-written physical mandates from a blank template or partially-filled template.

Using computer-generated physical mandates

  1. Use the LotusPay API, forms or bulk file upload to create physical mandate objects with the required mandate parameters.
  2. The physical mandate object has a pre-filled PDF attached to it that you can print and get the customer's signature on. You can download the PDF from the dashboard mandate page. If you included an email address in the mandate, the customer will be sent an email from you with the mandate PDF attached to it.
  3. Get the customer's signature on the paper mandate.
  4. Upload a photo or scan image of mandate in the dashboard mandate page.
  5. Submit the mandate for processing.

Using hand-written physical mandates

  1. Write the customer's details on a blank mandate or partially-filled mandate (including sponsor bank code, NACH utility code and company name). If you need an editable template, contact LotusPay Support.
  2. Get the customer's signature on the paper mandate.
  3. Use the LotusPay API, forms or bulk file upload to create physical mandate objects with the required mandate parameters.
  4. Upload a photo or scan image of mandate in the dashboard mandate page.
  5. Submit the mandate for processing.

Getting started on the Standard plan

  1. Contact us to know if you are eligible for physical mandates.
  2. Once we have activated the physical mandates feature, you can start processing physical mandates.

Getting started on the Pro plan:

Pro merchants can use their own utility code in LotusPay. If LotusPay is integrated for image-based physical mandates with your sponsor bank, you can benefit LotusPay's design and technology to give a single integration for physical mandates, eMandates, ACH debit transactions, and the option to work with your sponsor bank or even multiple sponsor banks.

  1. Contact us to know if LotusPay is integrated for physical mandates with your sponsor bank.
  2. If you have not already done so, contact your bank relationship manager or product sales manager in a participating sponsor bank and request them to set up the NACH product for you and grant approval for submitting images of physical mandates.
  3. Contact us to create an NACH Profile in your LotusPay account, including your NACH utility code and sponsor bank.
  4. Once we have activated your NACH Profile and the physical mandates feature, you can get started processing physical mandates.

Note: Although physical mandates can be processed basis an image, some sponsor banks require you to submit the original paper mandate to them soon after.