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About
AoPay provides an E-NACH (and M-NACH) API solution for automating recurring auto-debit payments in India. It focuses on managing the full mandate and collection lifecycle: registering customer mandates via digital methods such as eSign or Aadhaar OTP (with options for physical mandate digitization and bulk upload), routing mandates to banks for verification, initiating scheduled debits for EMI collections and other recurring payments, and delivering real-time status plus settlement and reconciliation reporting. The platform highlights enterprise needs like bulk processing for high-volume transactions, a dashboard and API-based reporting exports, and a pre-integrated infrastructure intended to reduce integration time. It also positions compliance and security as core, citing RBI guideline support and PCI DSS compliance, and offers deployment options including cloud-hosted SaaS and models aimed at data control and regulatory requirements.
Problem & solution
Problem
Manual recurring payment collection and mandate handling is slow and error-prone
Solution
APIs automate eNACH mandates, verification, debits, and status/settlement reporting
Who it's for
NBFCs, banks, fintechs, and enterprises in India
Main features
- Mandate lifecycle management
- Real-time status tracking
- Bulk transaction processing
- Multi-bank API integration
- RBI/PCI DSS compliance
Use cases
- EMI and loan repayment collection
- Subscription or SIP auto-debits
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