Overview

This API allows the platform to initiate an execution request (debit from the payer's account) against a registered mandate. The platform can initiate the debit request using the unique_mandate_reference_number, which Decentro propagates in the Mandate Registration API if mandate registration is successful.

Please note that this API doesn't assure the funds will be debited. That would depend on the funds available in the payer's bank account, and the status is propagated asynchronously by Decentro to the platform.

Flow

Below is the flow for using this API.

The platform registers a mandate successfully using the Mandate Registration API.
The platform informs the payer about an upcoming debit through a standard mode of communication.
The platform initiates the debit request using the endpoints
Decentro propagates the same to its bank partner & NPCI
Basis the presentation timeline, the payer's bank account is debited
Decentro receives intimation about the status of the execution from its bank partner
Decentro intimates the same to the platform using the Mandate Execution Callback to a pre-configured endpoint.
The platform can also use the Mandate Status API to check the registration status.

Decentro checks if the said mandate is registered and active. If the mandate is not found due to invalid UMRN or if the mandate is not registered, Decentro fails the request itself

Request Parameters

Below are the request parameters the platform passed to Decentro in this API.

reference_id: This parameter is used to reconcile an API hit uniquely
transaction_reference: This parameter is used to pass the platform's unique mandate identifier, such as a loan account number, etc.
unique_mandate_reference_number: This is the UMRN that Decentro passes at the time of registration to the platform if a mandate is successfully registered.
settlement_date: This is when the actual debit must happen from the payer's bank account and must be on the same day or after that.
amount: This is the amount that needs to be debited from the payer's bank account. The amount needs to be less than or equal to the registration amount.

API Endpoints

Environment	Endpoint
Staging / Sandbox	https://in.staging.decentro.tech/v2/payments/enach/mandate/execute
Production	https://in.decentro.tech/v2/payments/enach/mandate/execute