Getting started · onboarding
From first conversation to first payment
Before anyone can move money for your business, they need to know who you are and what you sell. Onboarding is that process. Prepared businesses go through it far faster; this page tells you what to prepare.
- 01
Conversation
What you sell, how customers pay, where you operate, and which payment flows you need.
- 02
Business checks
Documents for the business and the people behind it, and a review of your website and business model.
- 03
Provider setup
The payment providers that fit your business are set up. Who runs which checks, and who agrees terms with each provider, is set out at this stage.
- 04
Integration and testing
Build against the test environment: payments, failures, refunds and notices.
- 05
Go-live
Live credentials, a first real transaction, and close watching of the first days.
Documents, by type of business
Every provider sets its own list under its KYC rules, but most start from the same core. Having these ready, clear and current, avoids most of the back-and-forth.
| Business type | About the business | About the people |
|---|---|---|
| Sole proprietorship | Proof the business exists (such as a registration or tax document); business PAN or proprietor's PAN | Proprietor's identity and address |
| Partnership or LLP | Registration or deed; PAN of the firm | Partners' or designated partners' identity |
| Private or public company | Incorporation documents; company PAN; GST registration where applicable | Directors, authorised signatories and beneficial owners |
| Trust, society or other entity | Registration and governing documents; PAN | Trustees or office-bearers and signatories |
Plus a bank account in the business's name for settlements, verified before the first payout. Guides: KYB, KYC, bank verification.
What providers look for on your website
For online businesses, the website is part of the application. Reviewers check that what you sell is what you said, that customers can see prices and policies before paying, and that there's a real business to contact.
Most delays come from a missing policy page or a site that isn't finished. Fix these before applying.
Products and prices. Visible before checkout, matching what you declared.
Terms and conditions. How you sell, deliver and handle disputes.
Refund and cancellation policy. Clear timelines and method.
Privacy policy. What you collect and how you use it.
Contact details. An email, phone or address a customer can actually use.
A working site. No placeholder pages or 'coming soon' sections.
Businesses that need a closer look
Some businesses can't be onboarded at all. Payments for online money games, for example, are prohibited under section 7 of the Promotion and Regulation of Online Gaming Act, 2025. Others are allowed but reviewed more closely, and each provider keeps its own list of restricted and prohibited categories.
If your business is in a regulated or sensitive category, say so in the first conversation. It saves everyone time.
Prohibited by law
Such as online money gaming services.
Regulated activities
Lending, insurance, investments: the regulated entity and its licence matter.
Higher-risk categories
Reviewed more closely, per each provider's policy.
More: gaming and the 2025 Act.
A go-live checklist
Tested failures
Declined, timed-out and abandoned payments behave correctly.
Notices verified
Your system receives and checks payment notices, and ignores duplicates.
Refunds tested
Full and partial, from request to credit.
Live keys stored safely
On the server only; test keys removed from production.
Reconciliation ready
You know where settlement reports come from and who matches them.
Support ready
Your team knows what customers will see, and where to look when they call.
Developer detail: developers page.
Onboarding questions
How long does onboarding take?
It depends on your business type, how complete your documents are, and the checks each payment provider runs. Sending everything together, with a website that already has its policies in place, is the single biggest thing you can do to speed it up.
Why do providers check my website?
Because they're responsible for the merchants they serve. They check that what you sell is allowed, that prices are clear, and that customers can find your terms, refund policy, privacy policy and contact details before paying.
Can any business be onboarded?
No. Some businesses are prohibited by law (for example, payments for online money games under the Online Gaming Act, 2025), and providers set their own lists of restricted categories. Ask early if your business might be one of them.
Do I need a registered company?
Not always, but you need to be verifiable. What's accepted depends on the provider and the products you need; sole proprietors, partnerships and companies each have their own document lists.
What happens after go-live?
Providers keep monitoring merchants, and may ask for updated documents or information if your business, volumes or ownership change. Tell them about significant changes before they notice.