Of course both have auto debit option for our SIP and all
But what’s the difference between both?
Scheduling auto-payments through the add biller functions that some banks and UPI apps provide works the same way as the e-mandate feature a merchant provides.
The difference roots where the auto-pay registration is initiated from. With e-mandates, the merchant passes on the instruction of the auto payment to the bank. Whereas, in the biller flow, the merchant raises a bill to the bank (through the biller) which then processes the auto-payment. For a user, there is no difference in experience as the use case is fulfilled either way.
Check this video from NPCI explaining NACH (the structure on which e-Mandates are based on):
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