Merchant Onboarding Guide
Payment Gateway Setup Prerequisites
Everything your business needs to get approved for online payment gateways (Razorpay, UPI, Debit/Credit Cards & Netbanking) in 24 to 48 hours with zero rejection delays.
1. Business KYC
PAN, Aadhaar, and business registration proof matching your legal entity.
2. Bank Account
Current or savings bank account with cancelled cheque matching your PAN name.
3. Domain & SSL
Active custom domain (e.g. yourstore.com) with HTTPS encryption enabled.
4. Store Policies
6 mandatory legal policy pages published on your web store footer.
Step 1 of 4: Legal & Identity Verification
Business & KYC Documents
Payment gateways are regulated by RBI guidelines. Your documents must accurately match your business category.
Most Common
Sole Proprietorship / Individual
- PAN Card of Proprietor / Owner
- Aadhaar Card (Front & Back)
- Cancelled Cheque or 3-month Bank Statement
- Business Proof: Udyam MSME, GSTIN, or Shop & Establishment Act
Partnerships
Partnership Firm / LLP
- Company PAN Card & Partnership Deed / COI
- GST Registration Certificate
- Current Bank Account Cheque in Firm's Name
- All Partners' PAN & Aadhaar + Letter of Authorization
Corporate
Private Limited Company
- Company PAN & Certificate of Incorporation (COI)
- MOA & AOA documents
- Board Resolution authorising online payments
- Company Current Account Cheque & GST Certificate
Golden Rule: The name on your uploaded Bank Statement / Cancelled Cheque must 100% match the Legal Business Name or Proprietor PAN. Spelling mismatches cause instant KYC rejections.
Step 2 of 4: Website Compliance (#1 Rejection Reason)
Mandatory Store Compliance
Payment gateway compliance officers manually inspect your website before issuing live keys. Your store must meet these criteria:
Technical & Catalog Rules
- Active Custom Domain: Your store must run on a domain (e.g.
mybrand.in), not a temporary IP.
- Valid HTTPS SSL: Green padlock required on all store links.
- Real Products (Min 5 to 10): Real photos, actual descriptions, and genuine pricing in INR (no "Test ₹1" items).
- No Prohibited Items: No replica goods, adult content, weapons, or unauthorized drugs.
The 6 Mandatory Legal Policy Pages
These 6 links must be clearly accessible in your store's footer:
1. About Us
2. Contact Us
3. Privacy Policy
4. Terms of Service
5. Refund & Return
6. Shipping & Delivery
Contact Us Requirement: The Contact Us page must contain a physical street address, customer support email, and operational phone/WhatsApp. A simple contact form with no phone or address will be rejected!
Step 3 of 4: Gateway Account Creation
Sign Up & Verification Flow
Follow this step-by-step procedure to open and activate your Razorpay merchant gateway account:
1
Sign Up on Razorpay
Go to razorpay.com and sign up using your official business email ID and mobile number.
2
Submit KYC & Website
Enter your business PAN, bank details, and submit your live website URL (e.g. https://yourstore.com) with your 6 policies published.
3
Penny-Drop Bank Check
Razorpay will deposit ₹1 into your bank account automatically to verify that the account is active and matching your name.
Approval Window
Once submitted with all documents and policy pages intact, Razorpay typically activates live credentials within 24 to 48 business hours. You will receive an email confirmation once live!
Step 4 of 4: Store Integration
Connect API Keys & Webhooks
Once approved, copy your live API credentials from Razorpay and paste them into your store management console:
1. Generate Live API Keys
- Log in to your Razorpay Dashboard.
- Toggle from Test Mode to Live Mode (top right).
- Go to Settings > API Keys > Click Generate Key.
- Safely download and copy:
Key ID: rzp_live_xxxxxxxxxxxxxx
Key Secret: xxxxxxxxxxxxxxxxxxxxxxxx
2. Paste into Store Settings
- Log in to your Store Admin Portal.
- Open Store Settings > Toggle Enable Online Payments to ON.
- Paste your Key ID and Key Secret.
- Click Save Settings.
Instant Verification: Place a live ₹10 test order on your store to confirm that payments process seamlessly and your WhatsApp receipt links trigger automatically!
Pro-Tips & Avoid Rejection
Common Rejection Traps
Avoid these top 5 mistakes that cause payment gateway compliance teams to reject or delay merchant applications:
What Causes Rejection:
- Missing Refund/Cancellation Policy: Unclear timelines or "No Refunds" with no explanation.
- Name Mismatch: Bank account name differs from Proprietor / Company PAN.
- Placeholder Text: Having "Lorem Ipsum" or incomplete product cards.
- No Contact Address: Contact page lacks physical street location.
- Free Subdomains / HTTP: Store lacks custom domain or valid SSL certificate.
Pro-Tips for Fast Approval:
- Have 5-10 Products Live: Put high-resolution photos and genuine pricing.
- Clear Timelines: State "Orders ship in 1-2 days, delivery in 3-7 days via courier".
- Refund Window: State "Returns accepted within 7 days; refunds processed in 5-7 working days to original payment method".
- Official Email: Use business email (e.g.
care@yourstore.com) instead of generic personal email where possible.
Final Readiness Check
Interactive Approval Checklist
Tick the boxes below as you prepare each requirement to measure your store's approval readiness score:
Need Assistance Getting Approved?
Our partner team at Visit My Profile is here to help review your documents and verify your website compliance before you apply.