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Net Banking (India)

Net Banking (India) is a local online-banking payment method supported via a local PSP. It enables customers to pay directly from their Indian bank account either as a one-time payment or by creating an eNACH mandate for subscriptions.

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To add Net Banking (India) to your checkout, contact our Client Experience.

One-Time Payments​

It is enough for the customer to logs into their bank and approves the payment. Processing is near-instant, and order status in Cleverbridge updates automatically. Supported by 85+ banks.

  1. On the Cleverbridge checkout, the customer selects the bank to make the payment through.
  2. The Customer proceeds to Review.
  3. The customer confirms the order. A purchase is created with status Awaiting Offline Payment.
  4. The Customer is redirected to the bank portal and authorizes the payment.
  5. Cleverbridge automatically updates the order to Paid, and delivery details are displayed on the Purchase Confirmation page.

Subscriptions​

To enable recurrent payments, the customer authenticates via online banking to create an eNACH mandate. Renewals are then debited automatically under this mandate.

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Understanding eNACH

eNACH is the electronic version of National Automated Clearing House (NACH) Mandate used in India to set up recurring debits directly from a customer’s bank account. The customer completes a one-time mandate creation with their bank; future renewals are then debited automatically under the approved mandate.

A dedicated mandate is issued for each subscription.

Each mandate is assigned a Unique Mandate Reference Number (UMRN): a system-wide identifier for the eNACH mandate.

  1. On the Cleverbridge checkout, the customer selects Net Banking (India).
  2. The customer enters the required account details (such as Account number, Holder name, Account type such as Savings), then proceeds to Review.
  3. The customer is redirected to the National Payments Corporation of India's (NPCI) page to review the mandate.
    important

    The NPCI page is accessible only from an Indian IP address.

  4. The customer is redirected to their Net Banking login page.
  5. Upon login, the customer can see the mandate details and authorize the mandate.
  6. After a successful authorization, the customer sees the NPCI's confirmation page with a UMRN of the mandate. The customer is then automatically redirected to the Purchase Confirmation page.
  7. The purchase remains Awaiting Offline Payment. After the settlement, which usually takes one or two banking days, the purchase status automatically updates to Paid.
  • Mandate amount*: Can differ from the subscription amount and include a configurable buffer to accommodate future price changes. See the Mandate amount adjustment below for more details.
  • Tenor: Mandates can be created for up to 30 years.
  • Maximum cap: INR 10,000,000.
  • Bank coverage: Supported by at least 55 different banks in India.
[*Mandate amount adjustments]

Mandate amount can be buffered and rounded for each account based on the client's request to the Client Experience.

  • Buffering: The mandate amount includes a configurable buffer to accommodate price changes, currency fluctuations, and similar adjustments. In other words, even if the price fluctuates within the defined limit, this will not result in payment failure and won't lead to the mandate limit been exceeded. The default buffer is 20%, but it can be set per client to any percentage, including 0% or 100%+.

  • Rounding: The amount can be rounded up to the nearest ceiling value of 10^n. The default n is 4 (that is, round to the next 10,000), but clients can choose a different n, or disable rounding entirely.

Buffering and rounding can be configured independently; either can be enabled without the other. If both are enabled, buffering is applied first, then rounding.

  • INR 3,000 → +20% = 3,600; with n = 4, rounds up to 10,000.
  • INR 35,000 → +20% = 42,000; with n = 4, rounds up to 50,000.
  • INR 123,000 → +20% = 147,600; with rounding, becomes 150,000.

Handling refunds​

  • One-time Net Banking payments are supported through the standard Cleverbridge refund flow: Refunds are returned to the original payment method and the refund status updates on the order once confirmation is received from the provider.
  • Subscription (eNACH) refunds are not supported by PSP at this time and must be handled manually.
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Refund timelines depend on bank processing; customers may see funds only after their bank completes processing. Do not ask the customer to attempt payment again while the order is Awaiting Offline Payment to avoid duplicate debits.


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