Simplify NPCI E-Mandate Enablement with Trust Fintech Limited
In today's digital banking ecosystem, recurring payment mandates are the backbone of loan EMIs, insurance premiums, SIP investments, and subscription services.
Trust Fintech Limited provides a fully managed e-mandate solution on an ASP model so banks can participate in NPCI’s e‑mandate ecosystem without building and operating the full switching and NPCI infrastructure. Your CBS vendor implements a secure API adapter to exchange mandate and account verification data with TFL’s platform. TFL provides APIs, test guides, and NPCI certification support.
What is E-Mandate?
NPCI’s E-Mandate platform enables digital authorization and processing of recurring debit mandates in a secure and standardized ecosystem.
As a destination bank, the bank is responsible for:
- Verify customer account details
- Store authorized mandate records
- Validate recurring debit requests
- Process mandates through TFL’s secure API integration with the existing CBS
What Trust Fintech Limited Provides
- NPCI E-Mandate Processing Solution on ASP model
- Secure and scalable E-Mandate switch platform
- API integration support for existing CBS systems
- API documentation and integration guidelines
- Integration testing and UAT support
- Faster implementation with lower infrastructure cost
- Post go-live coordination and technical support
Role of Bank
- Developing the integration layer between the bank's CBS and TFL APIs
- Implementing the required API connectivity and request-response handling
- Executing integration test cases provided by TFL
- Generating and sharing test logs and validation results
- Supporting UAT and certification activities in coordination with the Bank and TFL
E-Mandate Processing Flow
NPCI sends mandate-related information through the TFL integration framework
TFL’s E-Mandate ASP platform securely processes and routes the mandate data
TFL APIs communicate with the bank's CBS in real time
The CBS validates customer account and mandate details
The CBS stores mandate records, status, and audit information
Verification and validation responses are sent back through the TFL-NPCI framework
Future recurring debits are validated against stored mandate records
Ensures secure, authorized, compliant, and traceable mandate processing
Key Benefits for Banks
Real-Time Beneficiary Verification
Fetch beneficiary account names instantly before transaction initiation.
Faster Time-to-Market
Accelerate NPCI e-mandate onboarding without building independent switch infrastructure.
Lower Infrastructure Cost
Avoid investment in dedicated NPCI ecosystem deployment.
Seamless Integration with Existing CBS
Continue using your current CBS environment with API-based connectivity.
Reduced Operational Complexity
Managed ASP model reduces internal operational burden.
Secure & Scalable Architecture
Designed for secure, reliable, and scalable recurring mandate processing.
NPCI Certification Assistance
End-to-end support for onboarding, testing, validation, and certification activities.
Why Choose TFL's E-Mandate ASP Model?
Lower Capital Expenditure
No need to invest in NPCI-Net connectivity, dedicated switching infrastructure, cybersecurity stack, or DC/DR environment for E-Mandate operations.
Lower Operational Costs
TFL manages the NPCI-compliant environment end to end. Your bank pays for what it uses, a straightforward, subscription-based service model.
Faster Time to Market
Bypass the months-long process of independently establishing a certified NPCI interface. TFL's ready platform accelerates your go-live significantly.
Launch E-Mandate Services with Trust Fintech
Enable secure NPCI E-Mandate integration without changing your existing CBS environment.
01
Send Us Your Inquiry
Complete the contact form with your requirements.
02
Discuss Your Requirements
Our team will connect with you to understand your needs in detail.
03
Get a Custom Proposal
Receive a customized solution proposal for your requirements.
