Cashfree eNACH vs ClearDebit

Cashfree eNACH automates periodic or recurring payments through debits from customer bank accounts. Cashfree says businesses can authorize auto-debits up to ₹1 Crore across 50+ banks supported by NPCI for e-Mandate registration. It states that mandate creation takes 24 hours and e-Mandates activate within 1 to 2 days. Merchants can retry failed payments, view 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 an account is KYC-verified when a mandate is created. Cashfree lists e-commerce plugins and developer integration kits. The service supports domestic recurring payments, API access and mandate management. Cashfree says payment authentication and auto-debits follow current government guidelines and lists RBI Payment Aggregator Certificate No. 266/2025. Cashfree Payments India Private Limited has 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 per presentation, with a separate platform fee.

ClearDebit provides Direct Debit processing services, software, and training for businesses collecting payments through Bacs. Its Mosaic options address different levels of involvement: Mosaic Submit sends files to Bacs and returns reports with an audit trail, while Mosaic Managed supports the wider Direct Debit cycle, including advance notice letters and transaction codes before processing. Businesses can collect one-off, regular, or variable payments and manage payment timing and changes in the software. Mosaic reporting includes payer and payment details, customer and Bacs reports, historical data, and automatically applied Bacs messages. ClearDebit says its Bureau, Mosaic software, and training are Bacs Approved, and that its Bureau and software follow data-protection rules set out by the FCA and Bacs. For in-house software users, processed collections go directly to the business’s bank account; ClearDebit says it does not hold funds. Bureau integrations can use SFTP or an API to submit files and retrieve reports. The service requires a Service User Number (SUN), and ClearDebit says it cannot support businesses without one. Pricing is on request.