NPCI Launches eNACH Lite to Simplify Recurring In-App Payments

The National Payments Corporation of India (NPCI) has officially launched eNACH Lite, a new payment infrastructure designed to streamline the e-mandate registration process. This solution enables users to set up recurring payments directly inside mobile applications.

How the New Mandate Flow Works

The primary objective of this initiative is to remove friction from automated transaction setups. By allowing in-app authorizations, the system removes the necessity for users to be redirected to external portals.

• Direct Integration: Customers can authorize recurring payments within a merchant or bank mobile application.
• User Experience: The process aims to reduce friction during the mandate registration phase.
• Transaction Success: The NPCI expects higher success rates for automated recurring payments through this streamlined flow.

Partnering for Bank Adoption

As the infrastructure rolls out, financial institutions are beginning to prepare for integration. Viyona Fintech has confirmed its readiness to act as a technology partner for this service.

• Viyona Fintech: Prepared to assist banks in adopting the new infrastructure.
• Implementation: The firm aims to facilitate integration for institutions looking to leverage the NPCI initiative.

This development marks a significant shift in how recurring payment mandates are handled across the Indian digital payments ecosystem. By bringing the mandate process closer to the user interface, the NPCI is focusing on technical efficiency to drive higher adoption of automated payment products.