{"id":3026,"date":"2025-05-25T18:58:09","date_gmt":"2025-05-25T10:58:09","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3026"},"modified":"2025-05-25T18:58:09","modified_gmt":"2025-05-25T10:58:09","slug":"%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e6%b3%a8%e5%86%8c%e8%a6%81%e4%bb%80%e4%b9%88%e6%9d%90%e6%96%99%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/05\/25\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e6%b3%a8%e5%86%8c%e8%a6%81%e4%bb%80%e4%b9%88%e6%9d%90%e6%96%99%ef%bc%9f\/","title":{"rendered":"What are the documents required for payment registration in India?"},"content":{"rendered":"

\"What<\/p>\n

The following documents are typically required to register a payment platform or enable related payment services (e.g., UPI, e-wallet, etc.) in India, and the specific requirements may vary depending on the type of platform (e.g., PSP, PAYMENT GATEWAY, e-wallet) and the regulator (RBI, etc.):<\/p>\n

\n

I. Materials required for business\/company registration<\/strong><\/h3>\n
    \n
  1. \n

    Company legal documents<\/strong><\/p>\n

      \n
    • Certificate of Incorporation (Certificate of Incorporation)<\/li>\n
    • Business Licence (GST Registration Certificate)<\/li>\n
    • PAN Card (Permanent Account Number)<\/li>\n
    • Identity documents of directors and shareholders (Aadhaar card, passport, PAN card, etc.)<\/li>\n<\/ul>\n<\/li>\n
    • \n

      Bank-related documents<\/strong><\/p>\n

        \n
      • Indian counterpart bank account certificates<\/li>\n
      • Recent bank statements<\/li>\n<\/ul>\n<\/li>\n
      • \n

        Compliance and Tax Documentation<\/strong><\/p>\n

          \n
        • GSTIN number (Goods and Services Tax Identification Number)<\/li>\n
        • TAN card (tax deduction account number, if required to process tax withholding operations)<\/li>\n<\/ul>\n<\/li>\n
        • \n

          technical document<\/strong> (for online payment gateway\/API services)
          \nProof of ownership of the domain name of the website
          \nPrivacy Policy and Terms of Service
          \nCertificate of Security Compliance<\/p>\n<\/li>\n

        • \n

          Other licences<\/strong>
          \nAdditional licences may be required depending on the type of business:<\/p>\n<\/li>\n<\/ol>\n

            \n
          • PAYMENT AGGREGATOR (PA) LICENCE from RBI<\/li>\n
          • PCI-DSS certified (processing credit card data)<\/li>\n
          • FSSAI licence (if food industry is involved)<\/li>\n<\/ul>\n
            \n

            II.Individual user registration for UPI\/e-wallet<\/strong><\/p>\n

              \n
            1. compulsory material<\/em><\/strong>:
              \n-Mobile phone number (must be linked to bank account)
              \n-Aadhaar card (12-digit biometric ID)
              \n-Associated Indian Savings Bank Account Number + IFSC Code<\/li>\n<\/ol>\n

              2.Common supplementary materials<\/em>:
              \n-PAN card (required for large transactions)
              \n-Proof of address (e.g., utility bill).<\/p>\n

              \n

              III.Special Requirements for Foreign Enterprises<\/strong>
              \nForeign companies conducting payments business in India are usually required to go through.
              \n1\ufe0f\u20e3 Establishment of local subsidiaries
              \n2\ufe0f\u20e3 meets FDI restrictions
              \n3\ufe0f\u20e3 Additional submission of parent company qualification documents<\/p>\n

              It is recommended that local legal counsel be consulted to ensure compliance with the Foreign Exchange Management Act (FEMA).<\/p>\n

              \n

              \u26a0\ufe0f Note: RBI has tightened regulation on cross-border payments from 2023 and some operations may require pre-approval. KYC requirements for small payment instruments (Small PPIs) may be less stringent.<\/p>\n

              If platform specific processes are required (Paytm, PhonePe, Razorpay, etc.), more details can be provided for further answers.<\/p>\n

              Well, here are further details added on registration and operations of payment platforms in India, covering different business scenarios, FAQs and practical advice:<\/p>\n

              \n

              IV. Additional requirements for breakdown by type of business<\/strong><\/h3>\n

              1. E-purse\/PPI (prepaid instrument)<\/strong><\/h4>\n
                \n
              • RBI Classification<\/strong>::\n
                  \n
                • Mini PPI<\/strong>(Limit Rs. 10,000) : Minimum KYC (Mobile No. + Aadhaar verification) only.<\/li>\n
                • Full-featured PPI<\/strong>: Full KYC required (ID + proof of address + biometrics).<\/li>\n<\/ul>\n<\/li>\n
                • Key materials<\/strong>::\n
                    \n
                  • RBI's pre-paid tool licence application file.<\/li>\n
                  • Anti-Money Laundering (AML) Policy Documentation.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n

                    2. Payment Gateway\/Payment Aggregator<\/strong><\/h4>\n
                      \n
                    • RBI Mandatory<\/strong>(Updated 2024):\n
                        \n
                      • Minimum net worth of Rs. 20 million (about $240,000).<\/li>\n
                      • Proof of compliance for localised data storage.<\/li>\n<\/ul>\n<\/li>\n
                      • Technical Audit Highlights<\/em>: PCI-DSS certification, encryption standards, fraud monitoring system documentation.<\/li>\n<\/ul>\n

                        3. UPI third-party application registration (e.g. PhonePe, Google Pay)<\/strong><\/h4>\n
                          \n
                        • Approval through NPCI (National Payments Corporation) is required for submission:
                          \n\u2460 UPI plug-in technology programme; \u2461 dispute resolution mechanism; \u2462 user funds escrow agreement.<\/li>\n<\/ul>\n
                          \n

                          V. 3 Modes of Entry of Foreign Enterprises into India<\/strong><\/h3>\n\n\n\n\n\n\n\n
                          paradigm<\/th>\nApplicable Scenarios<\/th>\nCore requirements<\/th>\n<\/tr>\n<\/thead>\n
                          Joint Venture (JV)<\/td>\nCo-operation with local licensees<\/td>\nForeign ownership \u2264 741 TP3T (1001 TP3T in some areas)<\/td>\n<\/tr>\n
                          Subsidiary (Wholly Owned)<\/td>\nindependent operation<\/td>\nSubject to FDI auto-routing conditions + RBI report<\/td>\n<\/tr>\n
                          Agency distribution (White Label)<\/td>\nQuick landing<\/td>\nReliance on local PAYMENT AGGREGATOR licence<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

                          \u26a0\ufe0f Risk Warning<\/em>: Foreign holdings in excess of 261 TP3T may trigger stricter RBI scrutiny.<\/p>\n

                          \n

                          VI.5 High Frequency Questions in Practice<\/strong><\/p>\n

                            \n
                          1. \n

                            Q: Are PAN card and GSTIN mandatory?
                            \nA: PAN card is mandatory for all business entities; GSTIN is required only if the annual turnover exceeds Rs. 4 million (service sector).<\/p>\n<\/li>\n

                          2. \n

                            Q: Can the Aadhaar card be replaced by a passport?
                            \nA. Foreign investors only<\/em>--Indian residents must provide Aadhaar for e-KYC.<\/p>\n<\/li>\n

                          3. \n

                            Q: How long does KYC verification take?<\/p>\n<\/li>\n<\/ol>\n

                              \n
                            • Basic KYC (OTP Verification): Instant Completion<\/li>\n
                            • Full KYC (video verification): usually 48 hours<\/li>\n<\/ul>\n

                              4.Q:What is the approval cycle for RBA licences?
                              \n6-8 months on average, with a recommended buffer in advance.<\/p>\n

                              5.Q Which states have special policies?
                              \nExample.Gujarat, state in west India<\/em>Fast-track registration for fintech start-ups.<\/p>\n

                              \n

                              VII.Cost Reference<\/strong>(using a payment gateway as an example)
                              \n1\ufe0f\u20e3 Licence Fee.
                              \n- RBI Application Fee.Rs. 5 lakhs
                              \n- Annual fee for PCI-DSS certification.<\/del>Rs. 8 lakhs<\/p>\n

                              2\ufe0f\u20e3 Labour costs.
                              \nCompliance Officer Monthly Salary:~ Rs. 15-25 lakhs (Mumbai\/Delhi Benchmark)<\/p>\n

                              \n

                              VIII.Latest News (2024)<\/strong><\/p>\n

                                \n
                              • NPCI to launch 'UPI Lite X': non-banking institutions allowed to participate, thresholds may be lowered.<\/li>\n
                              • GST rules amended:e-commerce platform withholding tax (TDS) percentage adjusted to 1%.<\/li>\n<\/ul>\n

                                If an in-depth analysis of a specific aspect is required (e.g., how to pass NPCI's technical tests), specific directions can be communicated!<\/p>","protected":false},"excerpt":{"rendered":"

                                Registering with a payment platform or opening a relevant payment service (e.g. UPI, e-wallet, etc.) in India...<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[38],"tags":[],"class_list":["post-3026","post","type-post","status-publish","format-standard","hentry","category-38"],"yoast_head":"\n\u5370\u5ea6\u652f\u4ed8\u6ce8\u518c\u8981\u4ec0\u4e48\u6750\u6599\uff1f - DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.deekpay.com\/en\/2025\/05\/25\/\u5370\u5ea6\u652f\u4ed8\u6ce8\u518c\u8981\u4ec0\u4e48\u6750\u6599\uff1f\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u5370\u5ea6\u652f\u4ed8\u6ce8\u518c\u8981\u4ec0\u4e48\u6750\u6599\uff1f\" \/>\n<meta property=\"og:description\" content=\"\u5728\u5370\u5ea6\u6ce8\u518c\u652f\u4ed8\u5e73\u53f0\u6216\u5f00\u901a\u76f8\u5173\u652f\u4ed8\u670d\u52a1\uff08\u5982UPI\u3001\u7535\u5b50\u94b1\u5305\u7b49\uff09…\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deekpay.com\/en\/2025\/05\/25\/\u5370\u5ea6\u652f\u4ed8\u6ce8\u518c\u8981\u4ec0\u4e48\u6750\u6599\uff1f\/\" \/>\n<meta property=\"og:site_name\" content=\"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8\" \/>\n<meta property=\"article:published_time\" content=\"2025-05-25T10:58:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ts110.mm.bing.net\/th?q=paytm109\" \/>\n<meta name=\"author\" content=\"deekpay\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"deekpay\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/25\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e6%b3%a8%e5%86%8c%e8%a6%81%e4%bb%80%e4%b9%88%e6%9d%90%e6%96%99%ef%bc%9f\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/25\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e6%b3%a8%e5%86%8c%e8%a6%81%e4%bb%80%e4%b9%88%e6%9d%90%e6%96%99%ef%bc%9f\/\"},\"author\":{\"name\":\"deekpay\",\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d\"},\"headline\":\"\u5370\u5ea6\u652f\u4ed8\u6ce8\u518c\u8981\u4ec0\u4e48\u6750\u6599\uff1f\",\"datePublished\":\"2025-05-25T10:58:09+00:00\",\"dateModified\":\"2025-05-25T10:58:09+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/25\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e6%b3%a8%e5%86%8c%e8%a6%81%e4%bb%80%e4%b9%88%e6%9d%90%e6%96%99%ef%bc%9f\/\"},\"wordCount\":103,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.deekpay.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/25\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e6%b3%a8%e5%86%8c%e8%a6%81%e4%bb%80%e4%b9%88%e6%9d%90%e6%96%99%ef%bc%9f\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/ts110.mm.bing.net\/th?q=paytm109\",\"articleSection\":[\"\u5370\u5ea6\u652f\u4ed8\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.deekpay.com\/2025\/05\/25\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e6%b3%a8%e5%86%8c%e8%a6%81%e4%bb%80%e4%b9%88%e6%9d%90%e6%96%99%ef%bc%9f\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/25\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e6%b3%a8%e5%86%8c%e8%a6%81%e4%bb%80%e4%b9%88%e6%9d%90%e6%96%99%ef%bc%9f\/\",\"url\":\"https:\/\/www.deekpay.com\/2025\/05\/25\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e6%b3%a8%e5%86%8c%e8%a6%81%e4%bb%80%e4%b9%88%e6%9d%90%e6%96%99%ef%bc%9f\/\",\"name\":\"\u5370\u5ea6\u652f\u4ed8\u6ce8\u518c\u8981\u4ec0\u4e48\u6750\u6599\uff1f - 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