Razorpay eMandate

1. Aadhar Based
eMandate

2. Product Information
1. Currently in our recurring suite emandate can be successfully registered on a bank
account by authenticating a mandate via netbanking credentials or debit card
authentication. There is a third mode which is Aadhaar based eMandates.
2. In Aadhaar based eMandates, while the registration confirmation is not in real-time, it is
significantly faster than physical mandates. Furthermore, with the penetration of
Aadhaar, the segment of customers who can set up mandates via e-sign, is significantly
higher than is the case with either net-banking or debit card authentication.

3. User Journey
The registration can take up to T+2 days or more. Post mandate confirmation, the merchant can proceed with
the debits which follow a T+0, same-day settlement TAT. The debit process remains the same as that for
eMandate and NACH.

4. User Journey Screens
Step 1 – Aadhaar as Auth Type
Customer selects Aadhaar as the
Authentication Method Type for
setting up the mandate

5. Step 2 – Redirect to Aadhaar
Signing Page
Customer is taken to the Aadhaar
signing page – Details of the
mandate being setup can be verified
here, and customer can then
proceed to Aadhaar authentication

6. Step 3 – Aadhaar Number
Customer enters the Aadhaar
number and requests OTP for
Aadhaar authentication.
OTP will be sent to the mobile number linked
to Aadhaar.

7. Step 4 – Aadhaar E-sign
Customer completes digital consent
by authenticating with the OTP
received for Aadhaar e-signing.
OTP will be sent to the mobile number linked
to Aadhaar.

8. Step 5 – Authentication
Completed
After successful OTP authentication,
a signed consent form will be
generated by the e-sign portal.
Razorpay will share this signed
consent with NPCI to process
registration.
The actual registration will be confirmed by
NPCI in 2 days for most cases.

9. Thank You!