Automate recurring collections, digital mandates, customer authentication, and NPCI-compliant debit processing through a centralized intelligent payment platform.
ai-NACH enables banks and financial institutions to automate recurring collections through secure digital mandate registration, authentication, NPCI processing, and debit execution — all from a single centralized intelligent platform.
Every capability needed for automated, compliant recurring payment management.
Paperless mandate creation with digital agreement, customer consent capture, and bank account verification.
OTP, net banking, and biometric authentication workflows for mandate approval and identity verification.
Direct integration with NPCI's NACH platform for mandate registration, debit processing, and status tracking.
Automated debit execution on scheduled dates with retry logic, failure handling, and real-time status updates.
End-to-end tracking of mandate status from creation through activation, execution, modification, and cancellation.
Automated matching of debit transactions with mandate records, with exception management and variance reporting.
Live dashboards tracking every mandate, debit attempt, success, failure, and return across all payment cycles.
RESTful APIs for mandate creation, status queries, debit triggers, and reporting — ready for CBS and fintech integration.
Built-in NPCI rule engine validates all mandates against regulatory guidelines before registration and execution.
Pre-built MIS reports covering mandate volumes, collection rates, failures, trends, and NPCI submission status.
Automated end-to-end digital mandate and recurring payment workflow.
Real-time visibility into mandate performance, collection trends, and NPCI compliance.
Proven impact on recurring payment efficiency and NPCI compliance.
Reduce collection cycle time by 80% with automated mandate-based debit execution — no manual intervention required.
Eliminate paper mandates, manual data entry, and manual debit processing with end-to-end digital automation.
Digital onboarding, OTP authentication, and self-service mandate management improve customer satisfaction significantly.
Smart retry logic, failure alerts, and collection analytics help achieve 98%+ success rates across all mandate types.
Live dashboards give complete visibility into every active mandate, debit status, and collection trend across portfolios.
Built-in NPCI rule validation, audit trails, and automated compliance reporting ensure 100% regulatory adherence.
Enterprise security and NPCI compliance embedded across every payment workflow.
Fully aligned with NPCI's NACH technical guidelines, mandate formats, and processing standards.
OTP, Aadhaar eSign, and net banking-based mandate authentication with fraud detection built in.
All mandate data and payment transactions encrypted end-to-end with TLS 1.3 and HSM key management.
Immutable logs of every mandate action, debit attempt, and status change for regulatory inspection readiness.
Granular access control with maker-checker workflows for mandate approvals and debit authorizations.
24/7 anomaly detection, threshold-based alerts, and instant failure notifications across all debit cycles.
OAuth 2.0, mTLS, and signed API requests for all CBS and fintech platform integrations.
99.99% uptime with active-active architecture, automatic failover, and zero debit cycle disruption.
Trusted by banks and financial institutions processing recurring collections across India.
Advanced analytics and lifecycle tracking for proactive recurring payment management.
Automate digital mandates, improve collection efficiency, and simplify NPCI-compliant payment processing with ai-NACH.