What is a physical mandate?

Physical mandate is the process of authorization where the customer requires only his signature and bank account details. There is no requirement to have a debit card / netbanking enabled to set up the mandate.

Integrating Physical Mandates in Test Environment

Step 1: Create Seamless Subscription API

In the test environment, use the Create Seamless Subscription API to create a subscription for your customer. This process involves providing the customer & mandate details. The response of this API will give you the list of supported banks applicable for physical mandate.
If the mandate details such as amount & frequency are the same for all your customers you can create a plan before creating a subscription

Step 2: Upload File API

Use the Upload File API to upload the Physical Nach registration forms that contain your customer’s bank account details and signature. You will receive a file ID in the response which needs to be used in the next step.

Step 3: Create Auth Seamless Physical Mandate API

Use the Create Auth Seamless Physical Mandate to create an Authorization request for your customer. For Physical mandates, this API lets Cashfree Payments know that the nach form is to be raised to the bank for successfully registering the mandate in production. Since this is a test environment, we will not raise anything with the bank but just mimic the status changes.

Step 4: Update Auth API

Use the Update Auth API to update the Authorisation status to SUCCESS/ FAILED. This API is applicable only in the test environment.

Integrating Physical Mandates in Production Environment

Step 1: Create Seamless Subscription API

Use this API to create a subscription for your customer that includes providing customer & mandate details. If the mandate details such as amount & frequency are the same for all your customers you can create a plan before creating a subscription. The response will give you the list of supported banks applicable for physical mandate.

Step 2: Upload File API

Use the Upload File API to upload the Physical Nach registration forms that contain your customer’s bank account details, mandate details and signature. You will receive a file ID in the response, this needs to be used in the next step.

Step 3: Create Auth Seamless Physical Mandate API

Use the Create Auth Seamless Physical Mandate to create an Authorization request for your customer. For Physical mandates, this API lets Cashfree Payments know that the nach form is to be raised to the bank for registering the mandate in production.