Merchant Onboarding API Pack
Verify, onboard, and activate merchants and sellers with a pre-built KYB workflow — PAN, GST, bank, and business checks in one bundle.
What You Can Achieve
"Verify a merchant's identity, business, and bank account — and activate them for payments — in under 10 minutes, with zero manual document review."
What You Get
Every API in this pack, what it does, and why it's included.
PAN Verification API
See API docs →What it does: Verify the merchant proprietor's or director's PAN and fetch identity details.
Why it's in this pack: First step in any KYB flow — confirms who owns the business before verifying the business itself.
GST Verification API
See API docs →What it does: Validate GSTIN and fetch business name, address, and filing status.
Why it's in this pack: GST number is the fastest way to verify a business's existence, category, and compliance standing.
Bank Verification (Penny Drop) API
See API docs →What it does: Confirm the merchant's settlement bank account is active and the name matches.
Why it's in this pack: Required before activating payment settlements — prevents fraudulent account substitution.
DigiLocker Integration API
See API docs →What it does: Access and verify documents stored in DigiLocker, such as Aadhaar, PAN, and business registration certificates.
Why it's in this pack: Provides a secure and convenient way to verify documents without physical copies.
CIN Verification API
See API docs →What it does: Validate Company Identification Number and fetch company details from MCA.
Why it's in this pack: For incorporated merchants, CIN verification confirms the company is active and fetches director details — faster than manual MCA portal checks.
Name Match API
See API docs →What it does: Cross-check merchant name across PAN, GST trade name, and bank account holder.
Why it's in this pack: Catches mismatches that indicate fraudulent merchant registrations — the GST trade name often differs from the PAN legal name.
How it works
Merchant enters mobile number — OTP authentication
PAN Verification — confirm proprietor identity
GST Verification — validate business & filing status
Bank Account Verification — penny-drop settlement account
Merchant activated for payments — instant settlement configured
Frequently Asked Questions
Does this pack work for ONDC seller onboarding?+
Yes. The Merchant Onboarding Pack is pre-validated for ONDC seller KYB requirements including GST validation, PAN verification, and bank account confirmation.
Can I onboard unregistered merchants without GST?+
Yes. For sole proprietors without GST, the pack falls back to PAN + Aadhaar verification (via DigiLocker) for identity and the bank verification for payment activation.
How fast is the penny-drop bank verification?+
Real-time, typically under 3 seconds. The API returns account holder name and active status in the same call.
Is there directory lookup for business type?+
GST verification returns business type (proprietor, partnership, LLP, etc.), registration date, and address — no separate MCA lookup needed for most cases.
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