Merchant KYC · drop-in

Sub-merchant onboarding in 3 days · NPCI BHIM AadhaarPay · UPI VPA verify · GSTN + UDYAM business proof

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MCC auto-assign · MID generation · acquirer bank IIN routing · BHIM AadhaarPay merchant onboard

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VPA active check · PSP routing · bank account name match (RBI 2024) · IFSC lookup · settlement freq

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GSTN verify · UDYAM MSME · MCA21 DIN/CIN · UBO declaration · all stub-mode in sandbox

What PGs get

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Merchant onboarding API. One call → MID + VPA + MCC + acquirer IIN auto-assigned · settlement freq config
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UPI VPA verification. NPCI ReqValAdd live · check VPA active · get registered name · 50ms response
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Bank account name match. RBI 2024 mandate · token-set Jaccard similarity · auto-route to review at 0.7 threshold
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Business verification stack. GSTN · UDYAM · MCA21 DIN/CIN · Aadhaar-PAN link · MSME classification
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e-Mandate (NACH/ENACH). Auto-debit setup · UMRN issued · monthly/quarterly · NPCI ENACH 4.0
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Webhook delivery proof. HMAC-signed · 30-day log · auto-retry exp backoff · regulator-exportable
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3-day integration. Single REST API · Node SDK · 70 endpoints · sandbox free

Replaced 4 vendor stack (PAN + GST + Bank verify + UBO) with single KYC-OS API. 70% faster merchant onboard · ₹3.2Cr/yr savings.

₹3.2Cr

annual savings

70%

faster onboard

3 d

integration time

99.99%

API uptime