Merchant onboarding is the first step before a business can start accepting online payments. A smooth onboarding process helps payment teams verify business details, bank information, compliance documents, and integration requirements.
Preparing the right details in advance can reduce delays and help your business go live faster with KoshaPay.
Basic Business Details
- Business name: Legal or registered business name
- Business type: Proprietorship, partnership, LLP, private limited company, or other structure
- Business address: Registered and operating address
- Contact details: Email, phone number, and authorized person details
- Website or app URL: Your live business website, app, or platform link
Documents Required
The required documents may vary based on business type, but most payment gateway onboarding flows require identity, business, and bank verification.
- Company PAN or proprietor PAN
- GST certificate, if applicable
- Certificate of Incorporation, for companies
- MOA and AOA, for private limited companies
- Director or owner PAN and Aadhaar
- Cancelled cheque or recent bank statement
Bank and Settlement Details
Your settlement account should match your business details. This helps avoid payout and settlement delays after payments are collected.
- Account holder name
- Bank account number
- IFSC code
- Cancelled cheque or bank proof
- Settlement preference, if available
Integration Details
Before going live, your technical team should keep API and webhook details ready. This ensures payment status can update automatically in your system.
- Payin API integration requirement
- Payout API integration requirement
- Success and failure redirect URLs
- Payin webhook URL
- Payout webhook URL
- Test environment access for sandbox checks
Go-Live Checklist
- Business details verified
- Documents uploaded correctly
- Bank account validated
- API keys configured securely
- Webhook URLs tested
- Test transactions completed
- Settlement and reporting access reviewed
How KoshaPay Helps
KoshaPay helps businesses move through onboarding with clear document requirements, API support, webhook setup, transaction tracking, and settlement visibility. Once onboarding is complete, merchants can start collecting payments, managing payouts, and monitoring transactions from one platform.
Final Thoughts
A complete onboarding checklist makes payment gateway setup faster and smoother. By preparing business documents, bank details, and integration requirements early, your team can reduce delays and go live with confidence.
