e-NACH
Recurring auto-debit, without the paper
Register e-NACH mandates digitally, debit on schedule across 30+ sponsor banks, and recover misses with an automatic retry ladder.
- Aadhaar / net-banking / debit-card auth
- 30+ destination banks
- Auto-retries
What is e-NACH?
e-NACH is the electronic version of the NACH auto-debit mandate — customers authorise recurring debits from their bank account digitally via Aadhaar, net banking or debit card, and businesses present debits on schedule through NPCI rails. Rabpe helps businesses collect recurring payments by connecting mandate registration, scheduled debits, and retry workflows into a unified operational platform. Businesses can recover missed payments automatically while maintaining complete visibility into every mandate.
- To register a mandate
- 2 min
- Destination banks
- 30+
- Debit clearing
- T+1
- Retry attempts
- 3x
To register a mandate
Destination banks
Debit clearing
Retry attempts
Key Features of Rabpe e-NACH
Aadhaar, Net Banking & Debit Card Auth
Same-Session Mandate Activation
Scheduled Debit Presentation
Pre-Debit Customer Notification
Automatic Retry Ladder
Mandate Amendments & Pause
Clean Mandate Cancellation
NPCI NACH Compliance
Benefits of Using Rabpe e-NACH
Faster Mandate Registration
Mandates activate in one sitting, with no paper or branch visit.
Higher Recovery Rates
Automatic retries recover debits that would otherwise fail.
Reduced Involuntary Churn
A mandate that doesn’t expire when a card does.
Full Lifecycle Control
Amend, pause or cancel mandates without re-registering.
Complete Audit Trail
Every mandate change is signed, logged and reflected at the bank.
Digital registration
Mandate approved in one sitting
The customer authenticates with Aadhaar OTP, net banking or debit card — no wet signature, no branch visit, no waiting a week for activation.
- Aadhaar eSign, net banking and debit-card flows
- Mandate limit, frequency and validity you define
- Same-session activation on supported banks
- Paperless audit trail for every mandate
Aadhaar OTP
Fastest, fully digital
Net banking
Authorise from the bank site
Debit card
Card + PIN authentication
Audit trail
Signed mandate on file
Collect on schedule
Present debits and recover the misses
Queue debits for the due date, notify the customer beforehand, and let the retry ladder chase failures so you are not writing off recoverable revenue.
- Scheduled presentation on the due date
- Pre-debit notification to the customer
- Automatic retries on insufficient funds
- Dunning webhooks for your CRM
Full lifecycle
Amend, pause and cancel — cleanly
Customers and your team can modify amounts, pause collections, or cancel a mandate, with every change reflected at the bank and in your ledger.
- Modify amount or frequency mid-term
- Pause and resume without re-registering
- Customer-initiated cancellation honoured
- Status webhooks: active, on-hold, revoked
Amend
Change amount or cycle
Pause
Skip a cycle, keep the mandate
Cancel
Clean revocation at the bank
Compliant
NPCI NACH rails throughout
Use cases
Common Use Cases
Collect EMIs directly from the borrower’s bank account.
Industry Applications
Industries We Serve
E-Commerce & Marketplaces
Seller Settlements • Customer Refunds • Automated Reconciliation
Education
Fee Collection • Scholarship Disbursements • Parent Payment Portals
Travel & Hospitality
Booking Payments • Vendor Settlements • Refund Management
Logistics & Mobility
Driver Payouts • Fleet Expenses • Partner Settlements
Fintech
Collection Infrastructure • Merchant Onboarding • Banking Integrations
Corporate Rewards
Employee Rewards • Loyalty Programs • Incentive Campaigns
FAQ
Frequently asked questions
Let's Build Better Payment Operations
Whether you're managing collections, payouts, banking integrations, reconciliation, rewards, or financial reporting, Rabpe provides the technology foundation to simplify operations and support business growth.
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