Bank Transfer / ECMS — Overview
Accept payments via Bank Transfer using Electronic Cash Management Services (ECMS) with unique customer identifiers and challan generation.
Bank Transfer / Electronic Cash Management Services
Generate e-challans and assign unique customer identifiers to simplify fund transfers via IMPS, NEFT, or RTGS.
Electronic Cash Management Services (ECMS) is a payment mode that assigns a unique customer identifier ID to each payer and provides a challan with payment details. Customers make payments using the challan details through their bank — online or offline.
Integration steps | Use cases | API reference
How it works
Challan details
The generated challan includes:
| Field | Description |
|---|---|
| Merchant name | Your business name |
| Amount | Payment amount including convenience fee (if applicable) |
| Date of generation | When the challan was created |
| Payment reference ID | Challan identifier |
| Customer identifier | Unique ID for adding as beneficiary |
| IFSC code | Bank branch code for transfers |
| Expiry date | Deadline for completing payment |
Key features
| Feature | Description |
|---|---|
| Unique customer identifier | Each customer gets a persistent ID — add once, pay anytime |
| Online + offline | Pay via NetBanking (IMPS/NEFT/RTGS) or at a bank branch |
| Convenience fee | Calculate and pass convenience fees using the Calculate Convenience Fee API |
| Split settlement | Automatic distribution of settlement amounts to multiple entities |
| Easy reconciliation | Unique identifiers simplify payment tracking and matching |
| Challan download | Retrieve and download challans via Get Challan and Get Challan PDF APIs |
Payment methods
Customers can complete the transfer using:
| Method | Type | Settlement speed |
|---|---|---|
| IMPS | Online | Near-instant |
| NEFT | Online | Within 2 hours (batch) |
| RTGS | Online | Real-time (≥ ₹2 lakh) |
| Bank branch | Offline | Varies |
FAQ
Can a customer reuse their customer identifier?
Yes. The unique customer identifier is persistent — customers add it once as a beneficiary and can make multiple payments using the same ID.
What happens if the customer doesn't pay before the challan expires?
The challan expires and the order is marked as failed. You can generate a new challan for the customer.
Can I add convenience fees to ECMS payments?
Yes. Use the Calculate Convenience Fee API to compute the fee, then pass the breakdown in the Create Challan API.