E-Nach

E-Nach is a digital payment service initiated by RBI and the National Payments Corporation of India (NPCI). It serves as an underlying infrastructure for businesses in India to collect recurring payments without any human intervention.

1. Create Mandate

1.1 Create Mandate Request via our Payment Page

Staging Url: https://zaakstaging.zaakpay.com/transactU?v=8
Staging Account Details:
Account Number : 53376604006
IFSC Code : ICIC0001144
Account Type : Savings
Account holder name: Zaakpay

719719

📘

Wanna create a test enach transaction on our Payment Page?

Test a Transaction

1.2 Create Mandate Request via API

Live Url: https://api.zaakpay.com/transactU?v=8

1.2.1 Request Parameters to Create Mandate via API

ParamtersValidationExamplesOptional/Mandatory
merchantIdentifierZaakpay unique identifier for your account"b19e8f103bce406cbd3476431b6b7973"M
encryptionKeyIdId of Merchant’s Public key as
signed by Zaakpay
"sjeHyehshkIs"O
showMobileOnly allowed value is “true”
which the request
if you want Zaakpay to
is sent& route accordingly.
represent mobile view.
"true"O
mode"0"M
returnUrlThis must be the domain(or a
sub-domain of it) you saved
in the dashboard
Url where you want
Zaakpay to post the
response
O
orderIdmax 45 alphanumeric,must be
unique per website, we do not
accept duplicate
Your unique transaction
identifier
M
amountTxn amount in paisa, Integer"100"M
currencyOnly Indian Currency is required"INR"M
productDescriptionText description regarding the payment"Name of the bill repayment"M
emailvalid email address of the buyer"[email protected]"M
phonebuyer phone number"9876543210"O
paymentModeMode Of PaymentPossible value of Mandate
- "MANDATE"
M
customerNameName of the Customer"Zaakpay"M
customerAccountNumberAccount Number of the Customer"053366654036"M
destinationBankIdIFSC Code of the Customer"ICIC0001144"M
customerAccountTypeAccount Type of the Customer"savings", "current"M
checksumTo be calculated on above
parameters using HMAC SHA
256
"fba528c4d93b8c67be1618e3f6da4d64b414f9eb6a5bbd27326317a28483bdde"M

1.2.2 Checksum
Secret Key for Staging Environment that we have used to generate checksum is: 0678056d96914a8583fb518caf42828a

{"merchantIdentifier":"b19e8f103bce406cbd3476431b6b7973","encryptionKeyId":"","showMobile":"true","mode":"0","returnUrl":"https://stagingpayment2.mobikwik.com/p/pg/v1/response/handle/mandate?gateway=6","orderDetail":{"orderId":"sud2222244681","amount":"100","currency":"INR","productDescription":"8057018600|Mobikwik Wallet","email":"[email protected]","phone":"8057"},"timeout":"3","paymentInstrument":{"paymentMode":"Mandate","mandate":{"customerName":"Pavan","customerAccountNumber":"053376604006","destinationBankId":"ICIC0001144","customerAccountType":"savings"}}}
8586f8612fbb55d3127f7b2de6490642927122233cc02c798583ab8369999379

1.2.3 Curl Request

Headers for curl request:

KeyValue
Content-Typeapplication/x-www-form-urlencoded
postman-token26fa6415-c4ef-7bf6-e7b5-c59f348a08cc
cache-controlno-cache

Insert below JSON in Body section of your curl:

data={"merchantIdentifier":"b19e8f103bce406cbd3476431b6b7973","encryptionKeyId":"","showMobile":"true","mode":"0","returnUrl":"https://stagingpayment2.mobikwik.com/p/pg/v1/response/handle/mandate?gateway=6","orderDetail":{"orderId":"sud2222244681","amount":"100","currency":"INR","productDescription":"8057018600|Mobikwik Wallet","email":"[email protected]","phone":"8057"},"timeout":"3","paymentInstrument":{"paymentMode":"Mandate","mandate":{"customerName":"Pavan","customerAccountNumber":"053376604006","destinationBankId":"ICIC0001144","customerAccountType":"savings"}}}&checksum=8586f8612fbb55d3127f7b2de6490642927122233cc02c798583ab8369999379
{
    "orderDetail": {
        "orderId": "sud2222244681",
        "amount": "100",
        "currency": "INR",
        "productDescription": "8057018600|Mobikwik Wallet",
        "email": "[email protected]",
        "phone": "8057"
    },
    "responseCode": "183",
    "responseDescription": "Unfortunately the transaction has failed.Please try again. Transaction has failed",
    "doRedirect": "false",
    "paymentInstrument": {
        "paymentMode": "EMANDATE",
        "mandate": {
            "customerName": "Pavan",
            "customerAccountNumber": "05XXXXXX4006",
            "destinationBankId": "ICXXXXXX1144",
            "customerAccountType": "savings"
        }
    },
    "paymentMode": "EMANDATE"
}

2. Debit Request

2.1 Request Parameters to Mandate Payments

ParamtersValidationExamplesO/M
merchantIdentifierZaakpay unique identifier for your account"b19e8f103bce406cbd3476431b6b7973"M
encryptionKeyIdId of Merchant’s Public key as
signed by Zaakpay
"sjeHyehshkIs"0
showMobileOnly allowed value is “true”
which the request
if you want Zaakpay to
is sent& route accordingly.
represent mobile view.
"true"O
mode"0"M
returnUrlThis must be the domain(or a
sub-domain of it) you saved
in the dashboard
Url where you want
Zaakpay to post the
response
O
orderIdmax 45 alphanumeric,must be
unique per website, we do not
accept duplicate
Your unique transaction
identifier
M
amountTxn amount in paisa, Integer"100"M
currencyOnly Indian Currency is required"INR"M
productDescriptionText description regarding the payment"Name of the bill repayment"M
emailvalid email address of the buyer"[email protected]"M
phonebuyer phone number"9876543210"O
paymentModeMode Of PaymentPossible value of Mandate
- "MANDATE"
M
zaakpayParentOrderIdOrder Id using which mandate was created"sud2222244681"M
checksumTo be calculated on above
parameters using HMAC SHA
256
"ec85f0be18a2a091ca8eda2c74e17b964bb586f26cd3fe651158de40e89d6648"M

2.2 Checksum
Secret Key for Staging Environment that we have used to generate checksum is: 0678056d96914a8583fb518caf42828a

{"merchantIdentifier":"b19e8f103bce406cbd3476431b6b7973","encryptionKeyId":"","showMobile":"true","mode":"0","returnUrl":"https://postb.in/1561961627441-9358206205070","orderDetail":{"orderId":"TestEmandateOrder","amount":"100","currency":"INR","productDescription":"Mobikwik","email":"[email protected]","phone":"7202"},"timeout":"3","paymentInstrument":{"paymentMode":"MandateTransaction","mandateTransactionPayload":{"zaakpayParentOrderId":"sud2222244681"}}}
fc9ed69478d2ebfb98ceb3821b6feeab6323a7ee6ee30664eecdf546e17f5c85

2.3 Curl Request

Headers for curl request:

KeyValue
Content-Typeapplication/x-www-form-urlencoded
postman-token26fa6415-c4ef-7bf6-e7b5-c59f348a08cc
cache-controlno-cache

Insert below JSON in Body section of your curl:

data={"merchantIdentifier":"b19e8f103bce406cbd3476431b6b7973","encryptionKeyId":"","showMobile":"true","mode":"0","returnUrl":"https://postb.in/1561961627441-9358206205070","orderDetail":{"orderId":"TestEmandateOrder","amount":"100","currency":"INR","productDescription":"Mobikwik","email":"[email protected]","phone":"7202"},"timeout":"3","paymentInstrument":{"paymentMode":"MandateTransaction","mandateTransactionPayload":{"zaakpayParentOrderId":"sud2222244681"}}}&checksum=a62412c848d694e85caf9e20cb0f2e23eb6573a2ec69cf42608171fbe946041f
{
    "orderDetail": {
        "orderId": "TestEmandateOrder",
        "amount": "100",
        "currency": "INR",
        "productDescription": "Mobikwik",
        "email": "[email protected]",
        "phone": "7202"
    },
    "responseCode": "183",
    "responseDescription": "Unfortunately the transaction has failed.Please try again. Transaction has failed",
    "doRedirect": "false",
    "paymentInstrument": {
        "paymentMode": "MandateTransaction",
        "mandateTransactionPayload": {
            "zaakpayParentOrderId": "sud2222244681"
        }
    }
}

3. Check API

Url: https://api.zaakpay.com/checkTxn?v=3

3.1 Request Parameters for Check Api

ParamtersValidationExamplesO/M
merchantIdentifierZaakpay unique identifier for your account"b19e8f103bce406cbd3476431b6b7973"M
mode"0"M
orderIdmax 45 alphanumeric,must be
unique per website, we do not
accept duplicate
Your unique transaction
identifier
M
checksumTo be calculated on above
parameters using HMAC SHA
256
3b8b6a9d69b38ad343e4ab025b344ed3b061f3899922d708430dc0a374c7686dM

3.2 Checksum

{"merchantIdentifier":"b19e8f103bce406cbd3476431b6b7973","orderDetail":{"orderId":"sud222224468"},"mode":"0"}
c11ce272c9d301266abc8d2f5ec5cfe0801ebbd83bd3ac94d6a7460be61232da

3.3 Curl Request

Headers for curl request:

KeyValue
Content-Typeapplication/x-www-form-urlencoded
postman-token26fa6415-c4ef-7bf6-e7b5-c59f348a08cc
cache-controlno-cache

Insert below JSON in Body section of your curl:

data={"merchantIdentifier":"b19e8f103bce406cbd3476431b6b7973","orderDetail":{"orderId":"sud222224468"},"mode":"0"}&checksum=c11ce272c9d301266abc8d2f5ec5cfe0801ebbd83bd3ac94d6a7460be61232da
{
    "merchantIdentifier": "b19e8f103bce406cbd3476431b6b7973",
    "orderDetail": {
        "orderId": "sud222224468",
        "txnId": "ZP5b84e70aa3655",
        "amount": "100"
    },
    "responseCode": "208",
    "responseDescription": "Transaction in Processing state.",
    "paymentInstrument": {
        "paymentMode": "emandate",
        "netbanking": {
            "paymentMethod": "Not Found"
        }
    },
    "version": "3",
    "txnStatus": "2"
}