{"id":6849,"date":"2022-06-22T09:41:27","date_gmt":"2022-06-22T09:41:27","guid":{"rendered":"https:\/\/signdesk.com\/in\/?p=6849"},"modified":"2025-09-17T07:27:52","modified_gmt":"2025-09-17T12:57:52","slug":"api-mandate-vs-esign-mandate","status":"publish","type":"post","link":"https:\/\/melento.ai\/en-in\/blog\/api-mandate-vs-esign-mandate","title":{"rendered":"API Mandate vs eSign Mandate &#8211; Is Aadhaar Always Better?"},"content":{"rendered":"<h2><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-6872\" src=\"https:\/\/melento.ai\/en-in\/blog\/wp-content\/uploads\/2022\/06\/e-vs-api-05.jpg\" alt=\"api vs esign\" width=\"771\" height=\"361\" \/><\/h2>\n<h2><span style=\"color: #008000;\"><b>Aadhaar eSign Mandate &amp; API Mandate &#8211; A Comparison\u00a0<\/b><\/span><\/h2>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><span style=\"color: #000000;\">Established by the RBI and the National Payments Corporation of India, <a style=\"color: #000000;\" href=\"https:\/\/melento.ai\/en-in\/enach\" target=\"_blank\" rel=\"noopener\"><b>emandate<\/b><\/a><span style=\"font-weight: 400;\"> is a <\/span>digital payment<span style=\"font-weight: 400;\"> solution to help businesses simplify their payments. This procedure is built on an underlying <\/span>NACH<span style=\"font-weight: 400;\"> (National Automated Clearing House) infrastructure, for businesses to collect payments without the need for manual involvement. It can be broadly divided into three parts &#8211; <\/span><b>physical mandate, Aadhar-based esign mandate<\/b><span style=\"font-weight: 400;\">, and<\/span><b> API mandate<\/b><span style=\"font-weight: 400;\">.<\/span><\/span><\/p>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><span style=\"color: #000000;\">To elaborate on <a style=\"color: #000000;\" href=\"https:\/\/melento.ai\/en-in\/enach\" target=\"_blank\" rel=\"noopener\"><b>eNACH\u2019s<\/b><\/a><span style=\"font-weight: 400;\"> meaning, Electronic National Automated Clearing House or can be described as an upgrade over the traditional NACH because it enables the process of payments easier and time friendly. <\/span><a style=\"color: #000000;\" href=\"https:\/\/melento.ai\/en-in\/enach\" target=\"_blank\" rel=\"noopener\"><b>eNACH emandate<\/b><\/a><span style=\"font-weight: 400;\"> enables high-volume, low-value electronic transactions between banks that are periodic and recurring online.\u00a0<\/span><\/span><\/p>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans'; color: #000000;\"><span style=\"color: #000000;\"><b>eMandates<\/b><span style=\"font-weight: 400;\"> play a crucial role in easing the management of<\/span><b> recurring payments<\/b><span style=\"font-weight: 400;\"> such as a loan or purchase EMIs, premiums for health &amp; life insurance policies, and other monthly payments for subscriptions or donations to different sectors like NGOs. This reduces friction in payment collection by streamlining payment reminders and minimizing late charges for the customer. In a nutshell, <\/span><b>e-mandate<\/b><span style=\"font-weight: 400;\"> benefits both the customers and the organizations involved.<\/span><\/span><\/p>\n<h3><span style=\"color: #008000;\"><b>The Mandate Process<\/b><\/span><\/h3>\n<p style=\"color: #000000; text-align: justify; font-size: 17px; font-family: 'open sans';\"><span style=\"color: #000000;\">Majority of the banks and other institutions maintain the following process when it comes to issuing mandates manually:<\/span><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400; text-align: justify; font-size: 17px; font-family: 'open sans'; color: #000000;\">A signed form is collected from the customer which exhibits the fact that he\/she has given consent to the bank to debit a specific amount money in a recurring manner automatically from the existing bank account (Destination bank).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400; text-align: justify; font-size: 17px; font-family: 'open sans'; color: #000000;\">The bank forwards this form to the NPCI where a UMRN or Unique Mandate Reference is created. The form is then sent back to the destination bank where the customer has his\/her account.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400; text-align: justify; font-size: 17px; font-family: 'open sans'; color: #000000;\">Upon the acceptance of the form by the bank, the process of auto-debit is initiated.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h2><span style=\"color: #008000;\"><b>Types of eMandates in Use by Financial institutions\u00a0<\/b><\/span><\/h2>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><span style=\"color: #000000;\">Apart from making payments easy, <strong>e-Mandate<\/strong> also serves a lot of purposes. The types of e-Mandate that prevail are as follows:<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-6873\" src=\"https:\/\/melento.ai\/en-in\/blog\/wp-content\/uploads\/2022\/06\/Api-mandate-vs-emandate-06.jpg\" alt=\"types of emandate\" width=\"771\" height=\"409\" \/><\/p>\n<ul>\n<li aria-level=\"1\"><span style=\"text-align: justify; font-size: 18px; font-family: 'open sans'; color: #000000;\"><b>Aadhaar-based mandate\u00a0<\/b><\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><span style=\"color: #000000;\">In an aadhaar esign-based mandate, the customers receive a One Time Password (OTP) in their registered mobile number. The OTP is entered into the portal of the eNACH eMandate service provider to authenticate the mandate and carry out the mandate registration process.<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><span style=\"text-align: justify; font-size: 18px; font-family: 'open sans'; color: #000000;\"><b>API mandate<\/b><\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans'; color: #000000;\"><span style=\"color: #000000;\">In this variant, an Application-Programming Interface (API) will be created with the help of an integrator, enabling businesses to source the data that they require about the customer. In an API-based mandate or enach <b>API mandate<\/b><span style=\"font-weight: 400;\">,\u00a0 customers must authenticate the mandate using their Netbanking or debit card details for the e-mandate API.<\/span><\/span><\/p>\n<ul>\n<li aria-level=\"1\"><span style=\"text-align: justify; font-size: 18px; font-family: 'open sans'; color: #000000;\"><b>Physical mandate<\/b><\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans'; color: #000000;\"><span style=\"color: #000000;\">Physical mandate is the oldest form of a mandate that are filled manually and is authenticated by the payer who signs physically. This is usually a time-intensive process where the mandate paperwork goes through numerous stages and organizations.<\/span><\/p>\n<h2><span style=\"color: #008000;\"><b>What is an API mandate?<\/b><\/span><\/h2>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><span style=\"color: #000000;\">An application-programming interface (API) is a collection of programming instructions and standards for gaining access to a Web-based software application or Web utility that enables two apps to communicate with one another. It is a simple way to get through one\u2019s exclusive instrument via an evolution of cloud-native applications. It also helps to distribute data with the users who are not part of the domain and other customers.<\/span><\/p>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><span style=\"color: #000000;\">In this case, an <b>API mandate<\/b><span style=\"font-weight: 400;\"> means that organizations leverage an API for their payments portal with help from an API eMandate service provider. This eMandate API will allow businesses to capture any mandate-related information. Moreover, the business site connects the consumer to the bank page via the <\/span><a style=\"color: #000000;\" href=\"https:\/\/melento.ai\/en-in\/blog\/netbanking-based-emandate\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">NPCI interface<\/span><\/a><span style=\"font-weight: 400;\"> for verification selection and mandate authentication using either internet banking credentials or debit card credentials.\u00a0<\/span><\/span><\/p>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><span style=\"color: #000000;\">The NPCI also states that the customer must ensure that all of the mandate data he or she is about to validate via eMandate APIs are authentic. After providing consent in this regard, the customer has to opt for the authentication mechanism and authorize the mandate using his\/her information.<\/span><\/p>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><span style=\"color: #000000;\">The steps involved in the API mandate are as follows:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400; color: #000000;\" aria-level=\"1\"><span style=\"color: #000000;\"><span style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\">The data is collected by <\/span><a style=\"color: #000000;\" href=\"https:\/\/signdesk.in\/app\/#\/login\" target=\"_blank\" rel=\"noopener\"><b>Signdesk\u2019s portal<\/b><\/a><span style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"> and shared with the NPCI &#8211; ONMAGS page<\/span><\/span><\/li>\n<li style=\"font-weight: 400; color: #000000;\" aria-level=\"1\"><span style=\"font-weight: 400; text-align: justify; font-size: 17px; font-family: 'open sans'; color: #000000;\">The customer consents to share their mandate details on this page.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400; color: #000000;\" aria-level=\"1\"><span style=\"font-weight: 400; text-align: justify; font-size: 17px; font-family: 'open sans'; color: #000000;\">The data is then loaded and the customer is redirected to the destination bank.<\/span><\/li>\n<li style=\"font-weight: 400; color: #000000;\" aria-level=\"1\"><span style=\"font-weight: 400; text-align: justify; font-size: 17px; font-family: 'open sans'; color: #000000;\">The customer enters their Netbanking or debit card details here for validation.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400; color: #000000;\" aria-level=\"1\"><span style=\"font-weight: 400; text-align: justify; font-size: 17px; font-family: 'open sans'; color: #000000;\">From the destination bank, the mandate information is submitted to NPCI and the mandate is registered.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400; color: #000000;\" aria-level=\"1\"><span style=\"font-weight: 400; text-align: justify; font-size: 17px; font-family: 'open sans'; color: #000000;\">A UMRN number is generated for this mandate for tracking purposes.\u00a0<\/span><\/li>\n<\/ol>\n<p style=\"color: #000000; text-align: justify; font-size: 17px; font-family: 'open sans';\"><span style=\"color: #000000;\">This is how an API e-mandate is carried out.<\/span><\/p>\n<h2><span style=\"color: #008000;\"><b>Aadhaar eSign mandate &#8211; Meaning &amp; Applications\u00a0<\/b><\/span><\/h2>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans'; color: #000000;\"><span style=\"color: #000000;\">The <a style=\"color: #000000;\" href=\"https:\/\/melento.ai\/en-in\/esign-workflow\" target=\"_blank\" rel=\"noopener\"><b>eSign<\/b><\/a><span style=\"font-weight: 400;\"> electronic signature service is a cutting-edge project that allows for the simple, efficient, and safe signing of electronic documents by authenticating signers utilizing Aadhaar eKYC services.<\/span><\/span><\/p>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><span style=\"color: #000000;\"><a style=\"color: #000000;\" href=\"https:\/\/melento.ai\/en-in\/blog\/npci-allows-esign-based-e-mandate\" target=\"_blank\" rel=\"noopener\">Initiated by NPCI<\/a>,<span style=\"font-weight: 400;\"> or National Payments Corporation of India, a division initiated by the Reserve Bank of India whose aim is to operate retail banking and orders of settlement in India, the Aadhaar Payment Bridge or APB System has enhanced the Direct Benefit Transfer (DBT) scheme of the Government and Government Agencies and turned it into an achievement.\u00a0<\/span><\/span><\/p>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><span style=\"color: #000000;\">It helps in streamlining the benefits and schemes initiated by the government through the Aadhaar numbers. Also, it acts as a bridge between Government and the banks that sponsor them with the beneficiary and their banks.<b>\u00a0\u00a0<\/b><\/span><\/p>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><span style=\"color: #000000;\">eSign mandate undergo the following steps:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400; text-align: justify; font-size: 17px; font-family: 'open sans';\" aria-level=\"1\"><span style=\"color: #000000;\"><span style=\"font-weight: 400;\">Customers are invited to log into <\/span><a style=\"color: #000000;\" href=\"https:\/\/signdesk.com\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Melento (Formerly SignDesk)<\/span><\/a><span style=\"font-weight: 400;\">, where mandate details are entered.<\/span><\/span><\/li>\n<li style=\"font-weight: 400; text-align: justify; font-size: 17px; font-family: 'open sans';\" aria-level=\"1\"><span style=\"font-weight: 400; color: #000000;\">The customer consents to their Aadhaar details being shared with the corporate client.<\/span><\/li>\n<li style=\"font-weight: 400; text-align: justify; font-size: 17px; font-family: 'open sans';\" aria-level=\"1\"><span style=\"font-weight: 400; color: #000000;\">An OTP to the linked mobile number is shared and the same needs to be entered in the portal.<\/span><\/li>\n<li style=\"font-weight: 400; text-align: justify; font-size: 17px; font-family: 'open sans';\" aria-level=\"1\"><span style=\"font-weight: 400; color: #000000;\">If the OTP matches, the authorization is approved by NsDL and the validated data is sent to Melento (Formerly SignDesk). If rejected by NsDL, the process is re-initiated.<\/span><\/li>\n<li style=\"font-weight: 400; text-align: justify; font-size: 17px; font-family: 'open sans';\" aria-level=\"1\"><span style=\"font-weight: 400; color: #000000;\">Melento (Formerly SignDesk) then shares the data with the sponsor bank who in turn shares it with NPCI<\/span><\/li>\n<li style=\"font-weight: 400; text-align: justify; font-size: 17px; font-family: 'open sans';\" aria-level=\"1\"><span style=\"font-weight: 400; color: #000000;\">NPCI then shares the same with the respective destination banks.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400; text-align: justify; font-size: 17px; font-family: 'open sans';\" aria-level=\"1\"><span style=\"font-weight: 400; color: #000000;\">The confirmation from the destination banks are sent back to NPCI and NPCI then shares the response to the Sponsor bank\u00a0<\/span><\/li>\n<li style=\"font-weight: 400; text-align: justify; font-size: 17px; font-family: 'open sans';\" aria-level=\"1\"><span style=\"font-weight: 400; color: #000000;\">The response from NPCI is shared with Melento (Formerly SignDesk) &amp; the destination banks, which debits the required funds.\u00a0<\/span><\/li>\n<\/ol>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans'; color: #000000;\"><span style=\"color: #000000;\">The Supreme Court had ordered the NPCI to discontinue the Aadhaar-based service on November 23, 2018, but <a style=\"color: #000000;\" href=\"https:\/\/melento.ai\/en-in\/enach\" target=\"_blank\" rel=\"noopener\"><b>eSign mandates<\/b> <\/a><span style=\"font-weight: 400;\">have recently been legitimized and are emerging as one of the popular ways of setting up emandates.<\/span><\/span><\/p>\n<h2><span style=\"color: #008000;\"><b>API mandate or Aadhaar eSign mandate: Which One to Choose?<\/b><\/span><\/h2>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><span style=\"color: #000000;\">As explained above, both <b>API mandate<\/b><span style=\"font-weight: 400;\"> and Aadhaar based <\/span><b>eSign mandate<\/b><span style=\"font-weight: 400;\"> ease out the process of eNACH or mandate when compared to the physical mandate which are done manually.\u00a0\u00a0<\/span><\/span><\/p>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><span style=\"color: #000000;\">Between the API mandate<span style=\"font-weight: 400;\"> and the Aadhaar based <\/span>eSign Mandate<span style=\"font-weight: 400;\">, the API-based emandate require the customer to provide their net banking or debit card details to carry out the process, which has the chances of getting affected by cyber attacks. This further can lead to fraudulent activities and deception.<\/span><\/span><\/p>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><span style=\"color: #000000;\">In the case of the <b>eSign mandate<\/b><span style=\"font-weight: 400;\">, the user just has to put the OTP that they receive on their phone number which is linked to their Aadhaar card. This generally takes 3-5 days compared to the real-time delivery of <\/span>API mandate<span style=\"font-weight: 400;\"> but involves near to no risk when it comes to safety.<\/span><\/span><\/p>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><span style=\"color: #000000;\">However, both <strong>Aadhaar &amp; API mandates<\/strong><span style=\"font-weight: 400;\"> provide FIs provisions to upload mandate orders in bulk, something that banks can\u2019t accomplish with physical mandates.\u00a0<\/span><\/span><\/p>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><span style=\"color: #000000;\">Here are the key differences financial institutions need to know regarding API mandates<span style=\"font-weight: 400;\"> vs <\/span>Aadhaar eSign mandates<span style=\"font-weight: 400;\">.\u00a0<\/span><\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><\/td>\n<td>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><span style=\"color: #000000;\"><b>API eMandate<\/b><\/span><\/p>\n<\/td>\n<td>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><span style=\"color: #000000;\"><b>Aadhaar eSign eMandate<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><span style=\"color: #000000;\">How to validate<\/span><\/p>\n<\/td>\n<td>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><span style=\"color: #000000;\">Netbanking or debit card<\/span><\/p>\n<\/td>\n<td>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><span style=\"color: #000000;\">OTP-based Aadhaar eSign<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><span style=\"color: #000000;\">How long to register<\/span><\/p>\n<\/td>\n<td>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><span style=\"color: #000000;\">Real-time registration<\/span><\/p>\n<\/td>\n<td>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><span style=\"color: #000000;\">2 days<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><span style=\"color: #000000;\">Available in how many banks<\/span><\/p>\n<\/td>\n<td>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><span style=\"color: #000000;\">45+ banks<\/span><\/p>\n<\/td>\n<td>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><span style=\"color: #000000;\">40+ banks<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><span style=\"color: #000000;\">Success rate<\/span><\/p>\n<\/td>\n<td>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><span style=\"color: #000000;\">95%<\/span><\/p>\n<\/td>\n<td>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><span style=\"color: #000000;\">80%<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><span style=\"color: #000000;\">IFSC\/MICR<\/span><\/p>\n<\/td>\n<td>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><span style=\"color: #000000;\">No<\/span><\/p>\n<\/td>\n<td>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><span style=\"color: #000000;\">Yes<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans'; color: #000000;\"><span style=\"color: #000000;\">In June 2020, in a <a style=\"color: #000000;\" href=\"https:\/\/www.npci.org.in\/PDF\/nach\/circular\/2020-21\/Circular%20no.%20001%20%20-%20Revival%20of%20eSign%20and%20improvement%20in%20validation%20process.pdf\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">circular<\/span><\/a><span style=\"font-weight: 400;\"> by NPCI it was ordered that the customers will be able to validate their <\/span><b>esign mandate<\/b><span style=\"font-weight: 400;\"> using <\/span><b>Aadhaar-based eSign<\/b><span style=\"font-weight: 400;\">, which will increase efficiency and the speed with which banks can now handle mandate. It was suspended by Supreme Court due to Aadhaar-related issues in November 2018.<\/span><\/span><\/p>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><span style=\"color: #000000;\">Following the Supreme Court&#8217;s decision to suspend the eSign-based techniques, the NPCI established the<b> API mandate<\/b><span style=\"font-weight: 400;\"> solution, as an alternative route remotely verify consumers. While successful, none of these had the reach that Aadhaar- and OTP-based permission did.<\/span><\/span><\/p>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><span style=\"color: #000000;\"><b>eSign mandates <\/b><span style=\"font-weight: 400;\">have recently been <\/span><a style=\"color: #000000;\" href=\"https:\/\/melento.ai\/en-in\/blog\/npci-allows-esign-based-e-mandate\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">permitted again by NPCI<\/span><\/a><span style=\"font-weight: 400;\">, albeit requiring more validations than the previous Aadhaar-based eMandate procedure.\u00a0<\/span><\/span><\/p>\n<h2><span style=\"color: #008000;\"><b>Melento (Formerly SignDesk)\u2019s Link.It: eMandate Solution for smooth recurring payments<\/b><\/span><\/h2>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><span style=\"color: #000000;\"><strong><a style=\"color: #000000;\" href=\"https:\/\/melento.ai\/en-in\/enach\" target=\"_blank\" rel=\"noopener\">Link.It<\/a><\/strong><span style=\"font-weight: 400;\"><strong> by <\/strong>Melento (Formerly SignDesk) offers an NPCI-compliant<\/span><b> eNACH eMandate solution<\/b><span style=\"font-weight: 400;\"> to easily automate recurring payments. Our system manages recurring payments by permitting the customer&#8217;s bank to debit the account on a regular basis. <\/span>Melento (Formerly SignDesk)&#8217;s e-Mandate <span style=\"font-weight: 400;\">solution also enables clients to easily validate e-mandate whether its <\/span>Aadhaar based eSign mandate<span style=\"font-weight: 400;\">, or <\/span>API mandates<span style=\"font-weight: 400;\"> like NetBanking, or debit\/credit card credentials, as well as set up regular auto-debit transactions for your company.<\/span><\/span><\/p>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><span style=\"color: #000000;\">Several big banks and financial institutions utilize Melento (Formerly SignDesk)&#8217;s eMandate and eSign technologies to save costs by 60-85 percent and reduce turnaround time by more than 50 percent.<\/span><\/p>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><span style=\"color: #000000;\">Customers may utilize Aadhaar-based authentication to digitally sign documents using eSign processes, and our <b>NPCI-compliant E-Mandate solution<\/b><span style=\"font-weight: 400;\"> enables quick and easy payment collection for bills, subscriptions, contributions, and loan EMI payments.<\/span><\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"color: #000000;\"><a style=\"color: #000000;\" href=\"#name\"><button class=\"wpcf7-form-control wpcf7-submit envor-btn envor-btn-primary envor-btn-normal\" type=\"button\"><strong>Book a Demo<\/strong><\/button><\/a><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Aadhaar eSign Mandate &amp; API Mandate &#8211; A Comparison\u00a0 Established by the RBI and the National Payments Corporation of India, emandate is a digital payment solution to help businesses simplify their payments. This procedure is built on an underlying NACH (National Automated Clearing House) infrastructure, for businesses to collect payments without the need for manual [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":6872,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"page_templates\/blog-new-3.php","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[15],"tags":[52,169,171,175,176,730,731,738,885,919,922,937,981,1046,1090],"class_list":["post-6849","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-emandate","tag-aadhaar-esign","tag-api-based-emandate","tag-api-e-mandate","tag-api-mandate","tag-api-mandate-means","tag-e-mandate","tag-e-mandate-api","tag-e-mandate-process","tag-emandate","tag-enach","tag-enach-api","tag-enach-meaning","tag-esign","tag-esign-mandate","tag-esign-based-emandate"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.1.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>A Comparison between API mandate and eSign mandate<\/title>\n<meta name=\"description\" content=\"API mandate and eSign mandate both help in streamlining recurring payments. 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