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An application-programming interface (API) is a set of programming instructions and standards for accessing a Web-based software application or Web tool that allows two applications to talk each other. 

Necessary ports needs to be opened between Merchant servers, NPCI server & Merchant banks webpage. Also required certificates needs to be installed at NPCI, Merchant site & Bank site servers. Bank can refer the E-mandate authorization specification document for more details. 

Corporate will develop an API in their portal or with the help of integrator which will have the facility of capturing all the mandate related information. Further merchant site re-direct the customer to bank page using NPCI interface for selection of authentication mode and for authenticating the mandate using either internet banking credentials or debit card credentials.

Below are the two types of authentication modes

Internet banking and

Debit card

Customer has to verify whether all the mandate details he/she going to authenticate are correct. Select the mode of authentication and authenticate the mandate duly providing his/her credentials.

For “Internet banking” authentication, customer will be prompted to enter the login and password credentials. Whereas for “Debit card” authentication, Debit card number and OTP details will be requested. Banks may introduce additional checks and balances as well, as per their internal policies.

Yes. The mandate cannot be initiated without a utility code in the MMS system. The utility code helps to identify the corporate in whose favour the mandate is issued.

Utility codes are issued by NPCI at the request of the corporate routed through their bank.