NACH & eNACH Mandate Management Software India
Mandate setup, debit scheduling, bounce recovery, re-mandate, and bank reconciliation — full lifecycle management for eNACH and UPI AutoPay mandates in one platform.
NACH vs eNACH vs UPI AutoPay — Which to Use?
Three different mandate types, different activation speeds, different use cases.
| Mandate Type | Setup Method | Activation Time | Amount Limit | Authentication | Best For |
|---|---|---|---|---|---|
| Physical NACH | Paper form → bank submission | 10–30 days | Any amount | Wet signature | Large EMIs, rural borrowers without smartphones |
| eNACH | Digital link → Aadhaar OTP / net banking | 24 hours | Any amount | Aadhaar or net banking | NBFC EMIs above ₹15,000, urban borrowers |
| UPI AutoPay | UPI app link → UPI PIN once | Minutes | ₹15,000 std / ₹1L for insurance/MF | UPI PIN (once only) | Subscriptions, small EMIs, high-adoption segments |
Full Mandate Lifecycle — FastFee Manages Every Step
From first registration to final reconciliation — including bounce recovery and re-mandate.
Send eNACH or UPI AutoPay registration link via WhatsApp. Customer authenticates once. Mandate activates within 24 hours (eNACH) or minutes (UPI AutoPay).
Set the debit date matching the EMI or subscription due date. FastFee schedules the debit and sends a pre-debit notification 24 hours before.
On the due date, NPCI processes the debit. FastFee tracks debit status in real time — success, pending, or failed.
Successful debit auto-mapped to the borrower's EMI or subscription record. Receipt generated and sent to payer's WhatsApp.
Failed debit triggers a bounce event. FastFee logs the reason (NSF, revoked, frozen) and initiates recovery within the same day.
WhatsApp message with alternate UPI payment link sent immediately. If the mandate is still active, retry scheduled for the next eligible window.
If mandate was revoked, FastFee sends a fresh eNACH or UPI AutoPay registration link and tracks re-mandate completion.
Accounts with repeated bounces or no re-mandate escalate through DPD buckets (0→30→60→90+) to field agent assignment.
Frequently Asked Questions
Which is the best NACH and eNACH mandate management software in India?
FastFee is purpose-built NACH and eNACH mandate management software for Indian NBFCs, MFIs, subscription businesses, and lenders. It manages the full mandate lifecycle: sending eNACH registration links via WhatsApp, UPI AutoPay mandate setup, debit scheduling by due date, bounce detection and automated re-mandate workflows, failed debit recovery via alternate payment link, and bank reconciliation. Unlike Razorpay Subscriptions or Cashfree AutoCollect (payment gateway mandate tools), FastFee focuses on the post-setup collection workflow — what happens when a mandate bounces, needs retry, or needs to be re-established after a borrower switches banks.
What is the difference between NACH and eNACH in India?
NACH (National Automated Clearing House) is the NPCI-managed bulk debit system. Physical NACH requires a paper mandate form signed by the account holder and submitted to the bank — processing takes 10–30 days. eNACH is the electronic version: the account holder authenticates the mandate digitally (Aadhaar OTP, net banking, or debit card) and the mandate activates within 24 hours. UPI AutoPay is a third option: an e-mandate over UPI that allows recurring debit up to ₹1 lakh per transaction without entering a PIN each time. FastFee supports eNACH (digital NACH) and UPI AutoPay mandates.
What happens when a NACH or eNACH mandate bounces?
A NACH or eNACH debit bounce means the debit was attempted but failed — typically due to insufficient funds, account frozen, mandate revoked by the account holder, incorrect account details, or bank downtime. FastFee detects the bounce, automatically sends a WhatsApp message to the borrower with an alternative UPI payment link, logs the failed debit as a bounce event, and schedules a re-debit on the next eligible date. If the mandate has been revoked, FastFee triggers a re-mandate workflow — sending a fresh eNACH or UPI AutoPay registration link.
How does UPI AutoPay differ from eNACH for recurring collection?
UPI AutoPay (NPCI recurring mandate) is set up entirely on the payer's UPI app and activates within minutes. Debits up to ₹15,000 require no per-transaction authentication after setup; higher limits apply for insurance, mutual funds, and credit card payments. eNACH requires bank authentication (Aadhaar OTP or net banking) but works for any bank account and any amount above ₹15,000. For NBFCs collecting EMIs above ₹15,000, eNACH is typically used. For subscription businesses with smaller recurring amounts, UPI AutoPay is faster to set up and has higher adoption rates.
Can FastFee handle both UPI AutoPay and eNACH mandates in the same platform?
Yes. FastFee manages both UPI AutoPay and eNACH mandates from a single dashboard. For each customer or borrower, you can choose the mandate type based on their bank and EMI amount. FastFee tracks mandate status (active, bounced, revoked, pending re-mandate), debit history, and collection status per account. Both mandate types feed into the same bank reconciliation and DPD aging dashboard.
Does FastFee integrate with existing loan management or collection systems?
FastFee is a standalone collection and mandate management layer. It imports borrower data via Excel or API, manages the mandate and collection workflow, and exports reconciled collection data back to your LMS or accounting system. It does not replace loan origination or credit scoring systems (Nucleus FinnOne, Temenos, Salesforce Financial Services). For NBFCs using Finflux, LoanCirrus, or similar LMS platforms, FastFee handles the collection side — mandate lifecycle, WhatsApp communication, DPD buckets, and bank reconciliation.
Automate Your eNACH & UPI AutoPay Mandates
Full mandate lifecycle including bounce recovery and re-mandate. No credit card required.