---
type: "solution pack"
title: "Merchant Onboarding Pack — KYB API Bundle | Eko"
description: "Verify and activate merchants instantly. PAN, GST, bank verification in one bundle. ONDC seller-ready, RBI compliant. Used by 500+ companies across India."
keywords: "merchant onboarding api india, kyb api india, payment aggregator merchant onboarding, ondc seller verification"
slug: "merchant-onboarding-pack"
category: "onboarding"
canonical: "https://eps.eko.in/solutions/merchant-onboarding-pack"
---


> **Canonical URL:** https://eps.eko.in/solutions/merchant-onboarding-pack
> _This is a machine-readable Markdown version of the page for AI agents and LLMs. The primary (HTML) version lives at the canonical URL above._

# Merchant Onboarding Pack

Verify, onboard, and activate merchants and sellers with a pre-built KYB workflow — PAN, GST, bank, and business checks in one bundle.

_KYB + payment activation for merchants & sellers_

To get started, fill the form at https://eps.eko.in/signup (with your name and mobile number) or call us at +919513181707

## APIs in this pack

- [PAN Verification](https://eps.eko.in/products/pan-verification-api) ([markdown](https://eps.eko.in/products/pan-verification-api.md))
- [GST Verification](https://eps.eko.in/products/gst-verification-api) ([markdown](https://eps.eko.in/products/gst-verification-api.md))
- [Bank Verification](https://eps.eko.in/products/bank-verification-api) ([markdown](https://eps.eko.in/products/bank-verification-api.md))
- [Aadhaar Verification](https://eps.eko.in/products/aadhaar-verification-api) ([markdown](https://eps.eko.in/products/aadhaar-verification-api.md))

## Trust Signals

- ONDC seller-ready
- RBI compliant
- 99.9% uptime

## What This Pack Does

Verify a merchant's identity, business, and bank account — and activate them for payments — in under 10 minutes, with zero manual document review.

## Included APIs

### [PAN Verification](https://eps.eko.in/products/pan-verification-api)
**What it does:** Verify the merchant proprietor's or director's PAN and fetch identity details.

**Why it matters:** First step in any KYB flow — confirms who owns the business before verifying the business itself.

### [GST Verification](https://eps.eko.in/products/gst-verification-api)
**What it does:** Validate GSTIN and fetch business name, address, and filing status.

**Why it matters:** GST number is the fastest way to verify a business's existence, category, and compliance standing.

### [Bank Verification (Penny Drop)](https://eps.eko.in/products/bank-verification-api)
**What it does:** Confirm the merchant's settlement bank account is active and the name matches.

**Why it matters:** Required before activating payment settlements — prevents fraudulent account substitution.

### [Aadhaar Verification](https://eps.eko.in/products/aadhaar-verification-api)
**What it does:** Verify the merchant's identity with Aadhaar OTP for sole proprietors.

**Why it matters:** Adds biometric-linked identity for unregistered merchants and sole proprietors who may not have GST.

## How It Works

1. Merchant enters mobile number — OTP authentication
2. PAN Verification — confirm proprietor identity
3. GST Verification — validate business & filing status
4. Bank Account Verification — penny-drop settlement account
5. Merchant activated for payments — instant settlement configured

## Industries Using This Pack

- [Marketplaces](https://eps.eko.in/industries/marketplaces) ([markdown](https://eps.eko.in/industries/marketplaces.md))
- [E-commerce](https://eps.eko.in/industries/e-commerce) ([markdown](https://eps.eko.in/industries/e-commerce.md))
- [SaaS Platforms](https://eps.eko.in/industries/saas-platforms) ([markdown](https://eps.eko.in/industries/saas-platforms.md))
- [Accounting & Tax](https://eps.eko.in/industries/accounting-tax) ([markdown](https://eps.eko.in/industries/accounting-tax.md))

## FAQs

### 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.

## Related Solutions

- [Lending KYC Pack](https://eps.eko.in/solutions/lending-kyc-pack) — Full KYC for borrower onboarding & disbursal ([markdown](https://eps.eko.in/solutions/lending-kyc-pack.md))
- [Employee BGV Pack](https://eps.eko.in/solutions/employee-bgv-pack) — Instant background verification for employees ([markdown](https://eps.eko.in/solutions/employee-bgv-pack.md))