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?

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

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

email

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

email

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"
}

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