Cashfree eNACH automates recurring payments by debiting customer bank accounts. Businesses can set up mandates for amounts up to ₹1 Crore across the 50+ banks supported by NPCI for e-Mandate registration. Cashfree states that mandate creation takes 24 hours and e-Mandates are activated within 1 to 2 days. Merchants can retry failed payments, review subscription and payment reports in a dashboard, and import mandates from another payment provider. Checkout can use Cashfree's page or a branded experience built with Seamless APIs. Third Party Validation checks whether a bank account is KYC-verified when a mandate is created. The service includes API access and mandate management for domestic recurring payments, along with e-commerce plugins and developer integration kits. Cashfree says its payment authentication and automatic debits follow current government guidelines. It lists RBI Payment Aggregator Certificate No. 266/2025 and an ISO/IEC 27001:2022 certification covering payment aggregator and payment service provider activities. Pricing is on request; the listed plan charges for mandate creation or presentation, with a separate platform fee.
Who it is for
Cashfree eNACH may suit NBFCs, digital lenders, mutual funds, SIP platforms, insurers, ed-tech, SaaS, and rental services that collect recurring domestic payments. It offers API access as well as a hosted checkout option.
What is good
- Automates recurring bank-account debits
- Supports mandates across 50+ banks
- Includes failed-payment retries and reporting
- Can import mandates from another provider
- Offers hosted checkout and branded API checkout
What to know first
- Pricing is on request
- A separate platform fee applies
- Plan charges for mandate creation or presentation
Verdict
Cashfree eNACH is focused on domestic recurring bank payments, with mandate management, checkout choices, and reporting. Ask about the applicable mandate and platform fees before planning a rollout.
Cashfree eNACH plans and pricing
All plansCompared on direct debit processing software
- Payment frequency
- recurring
- Scheme coverage
- domestic
- Mandate management
- Yes
- API access
- Yes
- Hosted payment page
- Yes
