Merchant signs up with

name, email and

phone

Is your Business
registered with Govt.
of India?

If Yes, ask merchant to upload PAN of

your Business Organisation or Signing
Authority, in case you are a Proprietor
If No, ask merchant to upload
PAN of signing authority

Merchant uploads PAN of

Business Organisation or Self Unable to read PAN
or PAN is not of a
Business, show error
and ask to reupload
If Individual

PAN is correct and $BusinessName

is extracted from it. PAN of
$BusinessName is approved
Looks like your
business is a
Show a drop down of GST number and extract the
Proprietorship. Do you
address from the selected GST number. If no GST
want to continue? 1. Firm
No number is sele cted or if the merchant want to
enter the business address manually, let him 2. Trust
3. HUF
62% 19% 4. AoP
5. BoI
Yes
14% 5% 6. AJP
If Company/LLP
PAN is correct and $NAME is 7. Govt. Agency
extracted from it. PAN of 8. Local Authority
$NAME is approved.
Extract CIN/LLP CIN from GST or $BusinessName
allow to manually enter CIN/LLP CIN

Show a drop down of GST number and extract the

$BusinessName and business address from the selected
GST number. If no GST number is selected, allow the
Upload Certificate of
merchant to enter the $BusinessName an business address
Incorporation of $BusinessName
manually

Enter Name and Email ID of

If GST number is selected, upload GST atleast 2 members
certificate else other Govt. Issued
Show a list of Directors/Partners.
Certificate for $BusinessName
From the list, provide email ID of
atleast 2

Merchant uploads PAN

of Signing Authority

Unable to read PAN or

PAN is not of an
Individual, show error
and ask to reupload
PAN is correct and $NAME
is extracted from it. PAN of
$NAME is approved
Upload Address Proof
of $NAME

Encourage merchants by luring Discourage merchant to

with instant approval and choose others by showing
“Recommended” Documents higher approval time

Enter email of $NAME

Merchant uploads
Aadhar, Passport or Merchant uploads any
Voter ID other document

Upload Bank Account Proof of $NAME2=$NAME for Individuals

$NAME2 $NAME2=$BusinessName for Others
Unable to read Enter Address
Document, show error Manually
and ask to reupload Extract Address and
Encourage merchants by luring Discourage merchant to
$Name1 from Document
with instant approval and choose others by showing
“Recommended” Documents higher approval time

Merchant uploads Merchant uploads any

$NAME and Cancelled Cheque other document
$Name1 do not
match

$NAME and
$Name1 matches Enter Account
Are you sure this is the correct Unable to read Number and IFSC
address proof? The name does not Document, show error Manually
match. If you continue, the and ask to reupload
approval will not be instant

Extract Account
Address Proof of $NAME is Auto Number and IFSC
Approved
Merchant
Merchant Continues
Reuploads
Address Proof to be
manually approved Deposit Penny to Account
and return Beneficiary Name

Beneficiary Name
Onboarding Complete for PG Merchants and $NAME2 does
not match

Onboarding Complete for Tools Merchants

Beneficiary Name
and $NAME2
Merchant matches
Reuploads
Are you sure this is the correct
agreement? The name does not
Documentation Complete match. If you continue, the
approval will not be instant

Digitally accept the agreement

and e-sign all the documents If PG not required Merchant
If PG required: Continues
INDIVIDUALS
Bank Proof to be
manually approved
Download Authorization Letter
Authorization Letter and On the Website Page,
and Upload the signed copy
Govt. Issued Certificate If PG required: merchant chose if they want
to be manually approved NON INDIVIDUALS to integrate PG or not

Pre-Onboarding Risk Verification Complete

Bank Proof is Auto Approved
If PG required, pre-onboarding
risk verification starts