LotusPay Pro merchants can use the ACH Debit API endpoint to create debit transactions on any NACH Debit mandate (both physical mandates and eMandates), regardless of where the mandate was created.
If you're using LotusPay as a payment gateway, we are the creditor of your funds, and we process your payments. We can do this with your utility code or with ours. You should use Payments features, not ACH Debit features.
If you're using LotusPay as your technology partner, you are the creditor of your funds, and we submit your debit transaction instructions to your sponsor bank. We can do this with your utility code. You should use ACH Debit features, not Payment features. LotusPay allows you to create ACH Debit transactions on any mandate, even if the mandate was created outside of LotusPay, and even if it is a physical mandate. We'll need to set things up to ensure your sponsor bank recognises instructions received via LotusPay. Contact LotusPay Support for more details.