SOLUTION PACK

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.

PAN Verification GST Verification Bank Verification Aadhaar Verification

ONDC seller-readyRBI compliant99.9% uptime

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Core Use Cases

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."

APIs In This Pack

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.

Aadhaar Verification API

See API docs →

What it does:Verify the merchant's identity with Aadhaar OTP for sole proprietors.

Why it's in this pack:Adds biometric-linked identity for unregistered merchants and sole proprietors who may not have GST.

Workflow

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

Industries

Built For These Businesses

Marketplaces

Seller KYB & onboarding for marketplace platforms

E-commerce

Seller KYB & delivery partner verification

SaaS Platforms

Embed verification & payments in your SaaS product

Accounting & Tax

GST filing data & MSME credit assessment for CAs

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 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.