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
Wanna create a test enach transaction on our Payment Page?
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
| Paramters | Validation | Examples | Optional/Mandatory |
|---|---|---|---|
| merchantIdentifier | Zaakpay unique identifier for your account | "b19e8f103bce406cbd3476431b6b7973" | M |
| encryptionKeyId | Id of Merchant’s Public key as signed by Zaakpay | "sjeHyehshkIs" | O |
| showMobile | Only allowed value is “true” which the request if you want Zaakpay to is sent& route accordingly. represent mobile view. | "true" | O |
| mode | "0" | M | |
| returnUrl | This 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 |
| orderId | max 45 alphanumeric,must be unique per website, we do not accept duplicate | Your unique transaction identifier | M |
| amount | Txn amount in paisa, Integer | "100" | M |
| currency | Only Indian Currency is required | "INR" | M |
| productDescription | Text description regarding the payment | "Name of the bill repayment" | M |
| valid email address of the buyer | "[email protected]" | M | |
| phone | buyer phone number | "9876543210" | O |
| paymentMode | Mode Of Payment | Possible value of Mandate - "MANDATE" | M |
| customerName | Name of the Customer | "Zaakpay" | M |
| customerAccountNumber | Account Number of the Customer | "053366654036" | M |
| destinationBankId | IFSC Code of the Customer | "ICIC0001144" | M |
| customerAccountType | Account Type of the Customer | "savings", "current" | M |
| checksum | To 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:
| Key | Value |
|---|---|
| Content-Type | application/x-www-form-urlencoded |
| postman-token | 26fa6415-c4ef-7bf6-e7b5-c59f348a08cc |
| cache-control | no-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
| Paramters | Validation | Examples | O/M |
|---|---|---|---|
| merchantIdentifier | Zaakpay unique identifier for your account | "b19e8f103bce406cbd3476431b6b7973" | M |
| encryptionKeyId | Id of Merchant’s Public key as signed by Zaakpay | "sjeHyehshkIs" | 0 |
| showMobile | Only allowed value is “true” which the request if you want Zaakpay to is sent& route accordingly. represent mobile view. | "true" | O |
| mode | "0" | M | |
| returnUrl | This 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 |
| orderId | max 45 alphanumeric,must be unique per website, we do not accept duplicate | Your unique transaction identifier | M |
| amount | Txn amount in paisa, Integer | "100" | M |
| currency | Only Indian Currency is required | "INR" | M |
| productDescription | Text description regarding the payment | "Name of the bill repayment" | M |
| valid email address of the buyer | "[email protected]" | M | |
| phone | buyer phone number | "9876543210" | O |
| paymentMode | Mode Of Payment | Possible value of Mandate - "MANDATE" | M |
| zaakpayParentOrderId | Order Id using which mandate was created | "sud2222244681" | M |
| checksum | To 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:
| Key | Value |
|---|---|
| Content-Type | application/x-www-form-urlencoded |
| postman-token | 26fa6415-c4ef-7bf6-e7b5-c59f348a08cc |
| cache-control | no-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
| Paramters | Validation | Examples | O/M |
|---|---|---|---|
| merchantIdentifier | Zaakpay unique identifier for your account | "b19e8f103bce406cbd3476431b6b7973" | M |
| mode | "0" | M | |
| orderId | max 45 alphanumeric,must be unique per website, we do not accept duplicate | Your unique transaction identifier | M |
| checksum | To be calculated on above parameters using HMAC SHA 256 | 3b8b6a9d69b38ad343e4ab025b344ed3b061f3899922d708430dc0a374c7686d | M |
3.2 Checksum
{"merchantIdentifier":"b19e8f103bce406cbd3476431b6b7973","orderDetail":{"orderId":"sud222224468"},"mode":"0"}
c11ce272c9d301266abc8d2f5ec5cfe0801ebbd83bd3ac94d6a7460be61232da
3.3 Curl Request
Headers for curl request:
| Key | Value |
|---|---|
| Content-Type | application/x-www-form-urlencoded |
| postman-token | 26fa6415-c4ef-7bf6-e7b5-c59f348a08cc |
| cache-control | no-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"
}
Updated about 3 years ago