My EMI Pay
  1. Application journey
  • My-EMI Lending API
  • System
    • Health check
      GET
  • Products
    • List published loan products
      GET
  • Auth
    • Request OTP
      POST
    • Verify OTP
      POST
    • Refresh tokens
      POST
    • Select a family account after OTP
      POST
    • Add a family member on this phone
      POST
    • Logout
      POST
    • Send email verification link
      POST
    • Email verification status
      GET
    • Confirm email verification (Bearer)
      GET
    • Confirm email verification token (Bearer)
      POST
    • iOS Universal Links association
      GET
    • Android App Links association
      GET
    • List family profiles on this phone
      GET
    • Resend OTP
      POST
  • Profile
    • Get customer profile
    • Update customer profile
  • Applications
    • Get current application screen
    • Begin verification
    • Verify PAN
    • Acknowledge credit score
    • Accept offer
    • Create loan
    • Request payout
  • Application journey
    • Application journey
      GET
    • Start PAN KYC via DigiLocker
      POST
    • PAN KYC status
      GET
    • Start Aadhaar KYC via DigiLocker
      POST
    • Aadhaar KYC status
      GET
    • Edit Aadhaar communication address
      POST
    • Verify bank account (KYC)
      POST
    • Start eSign
      POST
    • eSign status
      GET
    • Bureau report
      GET
    • Loan eligibility
      GET
    • Complete PAN KYC (poll DigiLocker)
      POST
    • Complete Aadhaar KYC (poll DigiLocker)
      POST
    • Pull bureau report
      POST
    • Start mock e-NACH
      POST
    • Mock e-NACH status
      GET
    • HTML origination document pack
      GET
  • Applications (staff)
    • Pull bureau (staff/system)
    • Evaluate and sanction (staff/system)
    • Cancel application (staff/system)
  • Applications (deprecated)
    • Get application screen by id (deprecated)
    • Begin verification (by id) (deprecated)
    • Verify PAN (by id) (deprecated)
    • Acknowledge credit score (by id) (deprecated)
    • Accept offer (by id) (deprecated)
    • Create loan (by id) (deprecated)
    • Request payout (by id) (deprecated)
  • Webhooks
    • Resolve or fail bureau claim
    • Resolve or fail KYC claim
    • Resolve or fail eSign claim
    • Resolve or fail income claim
  • Ops
    • Dispatch due outbox handlers
    • Poll workflow timers
    • Redrive dead-letter handler
  • Other
    • List published originators
    • HTML origination pack for one originator
  1. Application journey

Start mock e-NACH

POST
https://api-dev.myemipay.com/application/enach/start
Last modified:2026-09-23 08:46:10
Start mock e-NACH
Description: mock e-NACH until a vendor slot exists. Opens a placeholder url. Payout stays locked until the mandate is active.
Usage: after e-sign, journey enach. Not during onboarding.
Details: no body. Returns { status: "pending", url }. Already active returns { status: "resolved", verified: true }. A cancelled mandate may be started again.
Next: open url, then poll GET /application/enach/status.
Auth: Authorization: Bearer {{accessToken}}
Errors: 401 unauthorized | session_expired · 404 not_found · 409 step_not_ready — finish the previous journey step first

Request

Authorization
Provide your bearer token in the
Authorization
header when making requests to protected resources.
Example:
Authorization: Bearer ********************
Header Params

Responses

🟢200e-NACH pending
application/json
Bodyapplication/json

🟠401Unauthorized
🟠409Step not ready
Request Request Example
Shell
JavaScript
Java
Swift
curl --location --request POST 'https://api-dev.myemipay.com/application/enach/start' \
--header 'Authorization: Bearer <token>'
Response Response Example
200 - e-NACH pending
{
  "status": "pending",
  "url": "https://enach.mock.myemipay.com/register?applicationId=app_1735123456789"
}
Modified at 2026-09-23 08:46:10
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Pull bureau report
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Mock e-NACH status
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