Physical mandates

Pro merchants can use LotusPay with NACH Debit physical mandates. You would use your own utility code with a participating sponsor bank.

If LotusPay is integrated for 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 multiple sponsor banks, as well as the various other features that LotusPay offers.

Physical mandates uploaded in the LotusPay dashboard are automatically submitted to your 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. Some sponsor banks also require you to submit the paper to them soon after the mandate is processed. Get in touch to know how you can use LotusPay with your sponsor bank. You must have sponsor bank approval in order to use LotusPay for physical mandates basis scan image.

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

To get started with physical mandates in LotusPay:

  1. Contact us to know which sponsor banks LotusPay is integrated with for physical mandates.
  2. Contact your bank relationship manager in a participating sponsor bank and request them to add the NACH product for you and grant approval for submitting scan 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 creating physical mandates via forms, bulk file import and API.