Razorpay e-Mandate lets merchants collect recurring payments after a customer authorizes a mandate through netbanking. It can be used for charges such as insurance premiums, utility bills, SIPs and school fees. After the one-time authorization, later debits require no customer action. Customers with an Aadhaar-linked account at a participating bank are eligible, and one account can have multiple mandates. Razorpay says individual banks control e-Mandate availability, which it lists across 4–5 banks; its e-NACH option is governed by NPCI and covers 40+ banks. Netbanking is the primary e-Mandate mode. Merchants can manage mandates through Razorpay Subscriptions, which offers fixed, quantity-based and usage-based billing, plus reports, retries, webhook notifications and customer status communications. Registration through Subscriptions can use netbanking or debit card. Razorpay lists web, Android and iOS SDKs and integrations including WooCommerce, Magento, Shopify, WordPress and Zoho Subscriptions. Processing is described as taking 2 working days in most cases, compared with 21 days for offline ECS. An insufficient balance causes a payment to be denied. The pricing model is paid.
Who it is for
It suits merchants, schools and online businesses that need recurring domestic payments and subscription management. Customers need an Aadhaar-linked bank account at a participating bank to apply.
What is good
- One-time netbanking authorization enables later payments without intervention.
- Supports fixed, quantity-based and usage-based billing.
- Includes failed-payment retries and subscription reports.
- SDKs and integrations cover web, Android, iOS and named platforms.
What to know first
- e-Mandate availability is listed across only 4–5 banks.
- Netbanking is the primary e-Mandate payment mode.
- Insufficient account balance results in a denied payment.
- The pricing model is paid.
Verdict
Razorpay e-Mandate combines recurring debit authorization with subscription-management tools and integrations. Check participating-bank availability and the paid pricing model against your needs.
Compared on direct debit processing software
- Payment frequency
- recurring
- Scheme coverage
- domestic
- Mandate management
- Yes
- API access
- Yes
- Hosted payment page
- Yes
