How To Integrate Electronic signature in eSignPay

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Yes, e-signatures are legally valid in India. In fact, e-signatures have been recognized by the Indian law, with the passage of the Information Technology Act in year 2000.As per the IT Act, two types of signatures have the same legal status as handwritten signatures. These primarily include:(i) Digital Signatures: In this case, the signer is issued a long-term (1 to 2 year) certificate based digital ID stored on a USB token that can be used along with a personal PIN to sign a document.Note: Previously, the signer was issued a long-term (1 to 2 year) certificate based digital ID stored on a USB token that could be used along with a personal PIN to sign a document digitally. Now with Aadhaar, that complicated procedure isn’t required anymore. You can simply use signNow’s Aadhaar eSign to create a digital signature on the fly using your Aadhaar ID(ii) Electronic signatures: These electronic signatures combine Aadhaar identity number with an electronic Know-Your-Customer (eKYC) method (which includes sending an One-Time-Passcode to the mobile number linked to the Aadhaar card for verification)These Aadhaar based e-signatures and digital signatures are valid as long as they satisfy these conditions:(i) Electronic signatures must be uniquely linked to the person signing the document. (in the case of Aadhaar based signatures, they are linked by the unique Aadhaar ID)(ii) At the time if signing, the signatory must have control over the data used to generate the electronic signature (for eg: they should be able to directly affix the electronic signature to the document)(iii) There should be an audit trail of the steps taken during the signing the process(iv) In the case of digital signatures, signer certificates must be issued by signNowing Authority recognized by the Controller of signNowing Authorities appointed under the IT Act.Few of the exceptional cases in which documents cannot be signed electronically and must be executed using traditional handwritten signatures include:(i) Negotiable instruments such as a bill of exchange or a promissory note(ii) Powers of attorney(iii) Trust deeds(iv) Wills and any other testamentary disposition(v) Real-estate contracts such as leases or sales agreements.If you are looking to get legally compliant electronic signatures on contracts, invoices, quotes etc., try signNow, India’s first Aadhaar eSign solution that offers a complete fill-and-sign functionality with business workflows. Thus allowing users to finish their documents in one go.Here’s an informative ebook that will give you a brief overview of everything you need to know about electronic signature laws in some of the largest economies around the world: The Complete Guide to Electronic Signature Laws

First of all, digital signatures offer a much higher security and convenience factor - most digital signature software out there comes with quite a few encryptions to keep your documents secure, there are digital trails that track every change that happens to the document (such as signature added/removed, or any other alteration), quite a few applications also show a progress bar of how the signing process is going, you can assign signatures, add remarks and stamps - all on your mobile device. There is no need to track the person to get their signature - just wait for them to sign. This is incredibly efficient compared to the ‘wet’ signatures. So, the main factors are security, speed, audit trails, process monitoring and the ability to do all these tasks on the go and on multiple devices/platforms.If you’re in the market for such an application that offers all these features and more, I suggest checking out signNow by Kdan. It’s intuitive, user-friendly and besides being highly secure, it’s a good fit for both small and medium-sized companies, individuals, start-ups and all kinds of businesses. While there is plenty of e-signature software out there, signNow stands out due to its well thought-out tools, well designed and user-friendly interface and it’s multi-platform, so there’s no need to compromise on anything.Disclaimer: I am part of Kdan’s team, and my answers might be a bit biased.

[full disclosure: I’m VP Digital Transformation at Solutions Notarius Inc., a company that supplies electronic and digital signature solutions]It completely depends on the requirements. I do not believe there is a uniquely better e-signature solution for all scenarios. For example, if the type of documents to be signed require low to medium reliability only, most modern e-signature platforms could be ok, subject to meeting legal requirements in the applicable jurisdiction, but if the document must meet stringent regulatory and statutory requirements that include high reliability of identity of signers, those platforms do not typically meet that threshold.Ideally, you would analyze, define and obtain agreement as to what constitutes the minimal acceptable legal reliability threshold you are willing to accept - or that readers of that document will accept. Next, define the technology requirements that correspond to that threshold. Finally, research e-signature options that meet these requirements and provide the best combination of price, features, scalability, etc..Finally, it should be noted that higher legal reliability e-signature platforms and solutions can always accommodate lower reliability documents while the converse is not true…

With the choice of a right e signature app you are just a few clicks away in creating your electronic signature. Once it is built all you need to do is download the document you have been sent to sign digitally and place your signature at the desired place. This new technique of signing documents online has been leveraged by many business verticals using trusted software. The best part about E Signature is that it holds in the court of law and is safe & secure. It is to be noted that esignature solutions are often understood similar to digital signature solutions but they are different!Creating an Electronic Signature to Esign DocumentsAn Electronic signature can include anything from text to image or just initials with date. People opt for different ways in creating an e signature. Let’s have a look into available options of creating one:Draw It On The Touch screenWith the help o your finger or by using a stylus you can sign the same way you do it on paper. This is very easy when you are accessing the document on mobile or a tablet. This way you create your electronic signature on the document itself.Uploading An Image Of Your SignatureThere are many esignature solutions software that accepts the picture of your paper signature. You can upload the picture in the software and it will change it into a .png file and place it over the desired signature line in the document.Using Mouse Or TouchpadYou can also draw your signature with the help of a cursor or a touchpad. Take the cursor to the signature line where E-signature is required and draw it along the line.Using KeyboardThe simplest way is to type the spelling of your name using the keyboard, and chose the desired font that looks similar with your paper signature. It’s done; your electronic signature is made.These are some very basic and simple ways to create your distinctive electronic signature. Chose any e signature solutions matching with your requirements and you are ready to create your unique electronic signature which can be used as your identity anywhere in the online world.

Does this option work - How to Create an Electronic Signature in Microsoft Word Documents?

Free Browser Extension Signer.Digital for singing Returns using Digital Signature on Client’s USB Token using JavaScript on Browser. Chartered Information Systems Pvt. Ltd. Being the largest Registering Authority and Importer and Distributor of ePass tokens, also provides Signer.Digital [ https://signer.digital ] range of Products, Libraries, HSM, Multitenant HSM – Kluis, etc Developers please refer to below StackOverflow posts for more information: Functions supported: 1. Sign GST or ITR returns from Web Browser: How to Digitally Sign GST Return or eReturn using JavaScript form Browser and USB Token of user? Can I use WebCrypto API? [ https://stackoverflow.com/a/55692742/9659885 ] 2. Sign PDF from web Browser: Sign PDF with plain JavaScript [ https://stackoverflow.com/a/55676351/9659885 ] 3. DSC Web Login (Authentication): User Authentication from Browser using Digital Signature Certificate on USB Token or Smart Card [ https://stackoverflow.com/a/55757349/9659885 ] Download Setup from CNet using link Signer.Digital Chrome Extension [ https://download.cnet.com/Signer-Digital-Chrome-Extension/3000-33362_4-78042540.html ] or from https://signer.digital/downloads/Signer.Digital.Chrome.Host.Setup.zip

An eSignature emulates a wet signature that’s prompted by the user on a document or something that needs approval. Although it is a visual signature, there’s an audit trial recording from which email was used, IP address, etc.Conversely, a digital signature requires some kind of unique authentication that would allow the signer to sign the document. Usually these unique authenticators can be an ID, a passport, biometrics, etc. This is called a private key and after confirming the signer has a private key, the signer has to use a public key to finish signing the document. I learned this on a sales call since digital signature and eSignature sound similar, but not quite.The way I like thinking of a digital signature is in the context of a secret agent movie: when someone wants to access a secret door, the secret agent uses her fingerprint on the control panel to identify herself then she enters a passcode to gain full access. Kind of like that.Although digital signatures are secure, private keys are a bit cumbersome and doesn’t necessarily mean MORE security. At signNow, we like using 2 factor authentication.