Built for the way ambitious Indian businesses move moneyExplore business banking
Experia Mandates MANDATESRECURRING PAYMENTS, CLEARLY AUTHORIZED

Manage every mandate
as a living consent journey.

Coordinate creation, status, change and cancellation for eligible recurring-payment mandates through approved providers.

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Experia MandatesRecurring authorization
See consent status Reduce manual follow-up Connect recurring operations
ACCESS MODELReview before activation
THE PRODUCT PROMISE

For teams managing subscriptions, installments or recurring obligations that need clear authorization status and operational follow-through.

CONFIGURABLE BANK PROFILES

Recognizable banks. Explicit activation.

Profiles are available for configuration; live access always requires your own bank contract, credentials, testing and approval.

HDFC Bank logoICICI Bank logoAxis Bank logoYES BANK logo
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WHAT CHANGES FOR YOUR TEAM

Less operational drag.
More confident decisions.

01

See consent status

Understand where an eligible mandate stands across initiation, authorization and lifecycle changes.

02

Reduce manual follow-up

Keep incomplete, rejected or expired mandates visible to the right team.

03

Connect recurring operations

Associate mandate context with the relevant customer or obligation.

CAPABILITIES IN DEPTH

Everything the workflow needs.
Nothing hidden between steps.

Each capability is designed as part of one accountable operating journey rather than a disconnected tool.

01
Recurring authorization

Mandate initiation

Prepare the required context for an eligible NACH or UPI AutoPay journey.

  • Customer and purpose context
  • Amount and frequency rules
  • Provider-ready state
1
02
Recurring authorization

Authorization visibility

Track the provider-reported progress of customer consent.

  • Pending status
  • Accepted or rejected outcome
  • Failure reason context
2
03
Recurring authorization

Lifecycle management

Coordinate supported amendment, pause, expiry or cancellation journeys.

  • Clear state transitions
  • Authorized changes
  • Event history
3
04
Recurring authorization

Operational attention

Surface mandates that need action before the related collection process is affected.

  • Exception queue
  • Expiry visibility
  • Resolution ownership
4
THE EVERYDAY JOURNEY

Four clear moments.
One continuous record.

01

Prepare

Define the approved recurring-payment purpose and terms.

02

Authorize

Send the eligible provider journey for customer consent.

03

Monitor

Receive and organize mandate status changes.

04

Maintain

Coordinate supported lifecycle actions with evidence.

WHERE IT FITS

Designed around
real business work.

For teams managing subscriptions, installments or recurring obligations that need clear authorization status and operational follow-through.

01

Subscription collections

Coordinate recurring authorization for eligible service plans.

02

Loan installments

Track mandate readiness for approved repayment programs.

03

Membership dues

Organize consent status for recurring member obligations.

04

Scheduled B2B collections

Support approved repeating receivable arrangements.

RESPONSIBILITY BOUNDARY

Clarity builds trust.

Experia Mandates coordinates provider-backed lifecycle states. The relevant bank, sponsor, network or authorized provider remains responsible for registration and execution.

IMPLEMENTATION READINESS

From product request
to controlled activation.

Every module enters the same onboarding, entitlement and evidence framework while preserving its product-specific operating rules.

01

Bring the banking relationship

Use an eligible existing account or request a current account from a displayed bank. The bank owns eligibility, KYC and account approval.

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02

Complete Experia onboarding

Select Experia Mandates, provide organization evidence and define integration needs inside the encrypted onboarding workspace.

Request this product
03

Connect, test and approve

Credentials stay server-side. Connectivity is tested without financial instructions, then activated through independent approval.

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PRODUCT QUESTIONS

Before you
request access.

Does Experia360 authorize a mandate itself?

No. Customer authorization and mandate registration occur through the applicable approved provider journey.

Are NACH and UPI AutoPay always available?

Availability depends on the contracted provider, use case, customer eligibility and approved configuration.

Can a mandate be changed without consent?

Lifecycle changes must follow the provider flow, mandate terms and applicable authorization requirements.

BUILD YOUR STACK

Works even better,
together.

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Experia Pay

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MANDATES · REQUESTABLE SOLUTION

Bring Experia Mandates
into your operating stack.

Start with organization onboarding and request only the capabilities your team needs.

Start onboarding