Merchant Onboarding KYC Verification

• Head of Merchant Risk
• Merchant Onboarding Operations Manager
• Compliance Officer
• Chief Risk Officer

A payment aggregator onboarding a small merchant collects a PAN card, GST registration certificate, cancelled cheque or bank statement, address proof and, for companies and partnerships, incorporation documents and signatory details, plus the website or app the merchant will sell through. Analysts open each file, re-type names and numbers, and check that the legal name, GSTIN, bank account holder and website all describe the same business.

We build a KYC review assistant that sits between your onboarding form and your risk analysts. It classifies each uploaded document, extracts the fields that matter and checks them against each other and against the verification sources you already use, such as GSTIN lookups and penny-drop bank account validation. A website review agent visits the merchant's URL and records what it finds: product categories, pricing, terms, refund and grievance policies, contact details and possible prohibited-category signals, with dated screenshots. The analyst receives one file with every check marked pass, fail or needs review. Missing or unreadable documents trigger a specific request back to the merchant.

• Classifies PAN, GST certificate, cancelled cheque, bank statement, partnership deed, incorporation certificate and address proof
• Extracts legal and trade name, PAN, GSTIN, account number and IFSC, registered address and signatory details
• Matches names and addresses across documents and explains each mismatch in plain words
• Reviews the merchant website or app listing for catalogue, terms, refund and grievance policies and prohibited-category signals
• Compares extracted data with GSTIN lookup and bank account validation responses from your existing providers
• Drafts a specific missing-document request instead of a generic rejection

1. 01Collect the onboarding packDocuments and the merchant URL arrive from your onboarding form, CRM or partner portal and are grouped by application ID.
2. 02Classify and extractEach document is identified and its fields extracted, with a confidence score and page reference for every value.
3. 03Cross-check the entityNames, PAN, GSTIN, bank details and addresses are compared across documents and with the verification API responses you already receive.
4. 04Review the websiteAn agent browses the merchant site read-only, captures screenshots and records catalogue, policy and risk-category observations.
5. 05Route by outcomeClean files go to a fast-track queue; mismatches, gaps and risk signals go to detailed review, and missing documents trigger a request.
6. 06Analyst decidesThe risk analyst approves, rejects or asks for more, and the decision is written back to your merchant system with its evidence.

1. Intake
   • Onboarding form and partner portal connector
   • CRM webhook
   • Application-level document grouping
2. Document understanding
   • OCR with layout detection
   • Document classifier
   • LLM extractor with KYC field schemas
3. Verification
   • Cross-document entity matcher
   • Adapters for your GSTIN and bank account validation providers
   • Read-only website review agent with screenshots
4. Review
   • Analyst console with pass, fail and review markers
   • Missing-document request templates
5. Integration and audit
   • Merchant management system API
   • Audit log of checks, edits and decisions

Every merchant approval, rejection and risk categorisation is made by a risk analyst. The assistant prepares and explains the checks; it never activates a merchant or sets a risk category by itself.

• Merchant onboarding or merchant management system (API)
• Salesforce, Zoho or LeadSquared CRM
• Your existing GSTIN, PAN and bank account validation API providers
• Document storage such as S3 or a DMS
• Case management or ticketing tool for analyst queues

• Masked Aadhaar only; full Aadhaar numbers are never stored, per UIDAI rules
• Only verification sources you are licensed to use, called through your existing providers
• Website agent is read-only and records the date and URL of every screenshot
• Field-level confidence thresholds agreed with your risk team
• Regular sampling of fast-tracked files by a senior analyst

• Designed to support the merchant due diligence and record-keeping expected of payment aggregators under RBI directions.
• Personal data of proprietors and signatories handled with purpose limitation and minimisation, in line with the DPDP Act 2023.

• Fintech & Payments

  Selfie-to-ID Face Match and Document Tamper Checks

  Compare a live selfie with the photo on an ID, check liveness and spot edited or replayed ID images, sending borderline cases to a reviewer with highlighted evidence.

• Fintech & Payments

  Merchant Activation and Upsell Automation

  Spot merchants stuck between approval and first live transaction, send help specific to their blocker over WhatsApp and email, and time upsell prompts to real usage signals.

• Banking

  Account Opening Document Verification

  Check OVDs, PAN, masked Aadhaar, photographs and entity documents in an account opening file against each other and against CKYC, with mismatches routed to an officer.

• Insurance

  Tampered and Fraudulent Document Detection

  Score claim documents for signs of editing, fabrication and reuse, explain each signal, and route high-risk files to your investigation team instead of labelling anyone a fraudster.