Merchant On-boarding

Merchant Onboarding Incentive Structure

Payout Slab for Active Onboarding Engage Payout Launched Booster Payout for active
Onboarding Category <20 20 to 50 51 to 100 101 to 150 150 M1 M2 onboarding
Category 1 - Merchant Onboarding with 10k Wallet + UPI ₹ 60 ₹ 60 ₹ 60 ₹ 60 ₹ 60 ₹ 30 ₹ 30 NA
1. Rs 20 per onb if monthly onb >=50
Category 2 - Merchant Onboarding with 100K ₹ 110 ₹ 120 ₹ 130 ₹ 140 ₹ 150 ₹ 30 ₹ 30
2. Rs 50 per onb if monthly onb >=100
1. Rs 50 per onb if monthly onb >=50
Category 3 - Merchant Onboarding with 500k/UL limit ₹ 120 ₹ 130 ₹ 140 ₹ 150 ₹ 175 ₹ 30 ₹ 30
2. Rs 70 per onb if monthly onb >=100

Active merchant criteria: 2 day active each transaction of minimum Rs. 11 with 30 Days from date of onboarding.

Criteria:

 Txn. made by PSA on the on-boarded MID will not be considered in Active Merchant criteria

 Mapping of All in One QR code in the same calendar month of lead submission is mandatory for incentive
DOCUMENTS REQUIRED FOR ON-BOARDING

MID Requirements
●Proof of Address- Only Aadhar Card
Non-Fixed / ●Business Address Proof-
Small Merchant Complete Image of line of business
Business Owner Image, line of business should be visible
•Proof of Address- Only Aadhar Card, Photo of Docs/Shop.
•Business Address Proof- Registration, Utility Bill, and others as mentioned below:
1. ITR document With BnP Income > 100000; 2. FSSAI/Food License; 3. Business Credit/Loan from Bank;
100k
4. Drug License from Central/State Drugs Standards Control Organization; 5. Municipal Corporation dept. certificate/license; 6. Rent
agreement; 7. Printed bill book/invoice, printed bill from supplier & Purchase order/invoice; 8. CSC and E-Mitra Certificates; 9. Bank
certificate for business correspondents
•Proof of Address- Aadhar Card
•PAN
•Business Address proof
500k 1. Registration Proof, 2. Shop establishment Act Certificate, 3. Regional State Registration Certificate, 4. Municipal Corporation Department
Certificate/License, 5. GST Certificate (if GST number present on OE panel), 6. Utility Bill (Max. 2 months old) , 7. Rent/lease
Agreement(shouldn’t be expired), 8. Drug Licences, 9. Printed bill book/invoice with merchant’s GST mentioned on it.
•Proof of Address- Aadhar Card
•Business PAN
•Business Address Proof
1. Registration Proof (In case of Prop Entity), 2. Shop establishment Act Certificate (In case of Prop Entity), 3. Regional State Registration
Unlimited certificate (In case of Prop Entity), 4. Municipal Corporation Department Certificate/License (In case of Prop Entity), 5. GST Certificate (In
case of Prop Entity), 6. Utility Bill (Max. 2 months & should be in the name of Business) (In case of Prop. Entity), 7. Certificate of
Incorporation (In case of Public and pvt ltd firms), 8. Partnership Deed (In case of partnership), 9. Trust Deed (In case of trust), 10. HUF
Deed (In case of HUF)
 
 DOCUMENTS REQUIRED FOR UNLIMITED MERCHANT ON-BOARDING

Documents Required For Unlimited Merchant Onboarding

•KYC Document- Aadhar Card
•Business PAN
•GST (Not applicable on turnover less than Rs. 20 Lakh or Deal into the exempted category of
Goods/Service. Declaration would be required from the PSA app.)
Bank Account
For Proprietorship - Saving/ Current Account
For Private limited/ Limited/ Partnership/ Trust /HUF- Current Account
•Business Address Proof For Proprietorship
1. Registration Proof 2. Shop establishment Act Certificate 3. Regional State Registration certificate 4.
Municipal Corporation Department Certificate/License , 5. GST Certificate 6. Utility Bill (Max. 2 months &
should be in the name of Business) 
•Business Address Proof For Private limited/ Limited/ Partnership/ Trust /HUF
1 Certificate of Incorporation 2. Partnership Deed 3. Trust Deed (In case of trust), 4. HUF Deed (In case of
HUF)
Authorized Signatory declaration- Applicable only Private limited/ Limited/ Partnership/ Trust /HUF
Business owner Live Photo
 100k Merchant onboarding Flow

Click on New Merchant Enter the merchant Select QR Merchant Select Business Solution
Tab mobile number and
verify with Paytm Code
Document Requirement Capture and upload Addhar Select Shop details Shop Type,
checklist will be shown Card Front and Back side Category and Sub category
from drop downs
 Confirm and Enter GSTIN and
Enter KYC Address and Confirm Merchant
Pan Details.
Shop Address Location on Map
You can Skip these details

GSTIN and Pan Card details

are not mandatory for 100K
onboarding
Link merchant Bank An agreement will send to merchant’s Mobile number. Merchant shall give consent
account. by clicking on link available in SMS

In case
merchant able
to click on link.
Agent can
enter
Verification
code to
process further
Capture and upload images required documents
 Activity Proof/ Address Proof for 100K Merchants

Agent can upload Addhar Card as a Activity Proof

for below two cases Only Addhar Card to
be Uploaded for Non
1. Non Fixed Shop without address proof Fixed Shop and Shop
with Sign board

2. Shop with Sign Board and with Out address Proof

Please note only Addhar card will be QC approved in

Activity Proof field
 500k/Unlimited Merchant onboarding Flow

Click on New Merchant Enter the merchant Select QR Merchant Select Business Solution
Tab mobile number and
Paytm Code
Enter the merchant Enter Paytm code received Select “Type of Business” and
mobile number and click on the merchant’s phone add PAN number details
on Proceed
Below details will be auto-
fetched if merchant is already Click on QR Code For Store Select Plan as per
registered on Lower limit Business requirement

Select Limit : Enterprise

Plan for Unlimited
Merchants. Standard Plan
for 500K Merchants.
Enter the business Information: Category , Sub Category and Applicant Details and Shop Type
Submit GST confirmation and GST details (If applicable) Click on I Agree once this E- Enter Paytm Code to
agreement screen comes up confirm Agreement

It is mandatory to take GST

number if Turnover is >=Rs.20
Lakhs
Enter the Correspondence Enter the Registered Link the Bank account of the
Address details of the Business Address details merchant and confirm
merchant of the merchant
 Capture and Capture and upload Capture and upload
Capture and upload the Buniess
Upload the Addhar the merchandising the Shop Front
Address Proof. Select Type of document
Card and Business elements deployed Photo
from given list
PAN
MERCHANDIZING GUIDELINES
How to place Paytm QR Code, Paytm accepted here
sticker, tapes or dangler
 QR code standee to be placed in the front of the shop at eye level
 QR codes should be clearly visible by customers while facing the
merchant & shop
 For shops with multiple counters - QR code standee to be placed at
the every billing counter
 Place Paytm accepted here sticker on the entrance at eye level
 Deploy Tape if space available on shop
 Hang danglers at the shop so they are visible from a distance
 Do’s  Don'ts ×
General Onboarding Guidelines

1. For Proprietorship merchants, Leads with name

1. For Proprietorship merchants, Aadhar card and PAN
Mismatch in Aaadhar card and PAN card document will
card document of same merchant should be shared.
be rejected

2. For Non-Proprietorship merchants, Aadhar card of

2. For Non- Proprietorship merchants, leads with name
Authorised signatory should be shared and PAN card of
mismatch in Aadhar card with authorised signatory
business should be shared
declaration document will get rejected.

1. Wrong practice of FSEs taking payment before merchant

QC and uploading random documents in 1st attempt
exist on ground.

1. Merchant to be onboarded in our system successfully

2. As communicated earlier, FSEs will not be able to re-
before taking EDC on boarding amount.
attempt leads after 3 rejections from July end. Maximum
of 3 attempts will be provided to FSEs to cure lead
rejections. FSEs loose 1 attempt of sharing correct
merchant documents by this wrong practice being
followed.
 Do’s  Don'ts ×
Guidelines on Business proof document
Correct Business proof documents as per QC guidelines to be
uploaded by sales team. Merchant limits will be offered basis 1. Leads where attempts of onboarding a merchant with
the type of document being shared: fake/edited/photoshopped documents is being done will
be rejected and strict action will be taken against FSE.
1. Type B1 Merchant- Merchants Sharing non-verifiable or
small business proofs (Monthly Limit: 2 Lakhs). List of all 2. Onboarding with expired business proofs will be
small business proofs can be referred here rejected.

2. Type B2 Merchant: Merchants Sharing Online verified 3. Onboarding with Utility bills more than 2 months old will
proofs (Monthly Limit: 10 Lakhs) be rejected.

3. Type A Merchant: Merchants sharing either 4. Leads where date of lead creation/QC is same as that of
GST/Business PAN or current bank account with a valid date of registration of document (instantly created small
business proof business proofs) will be rejected.

**On boarding with non-verifiable proofs should be 5. Non verifiable proofs are not accepted for Food and
minimised. Pharmacy category merchants.
 Do’s  Don'ts ×
Guidelines on Business proof document
Only Original business proof documents to be shared. Photo-copy/scan copy of business proofs are not accepted
(Can be considered only if the document is verifiable online)

For Proprietorship merchants, If GST is shared as a business GST documents with Inactive/Suspended/cancelled status will
proof, Status should be active be rejected. Status can be referred on www.gst.gov.in

Address on business proof document should match with

registered address declared by merchant. If address is
Leads with address mismatch shall be rejected.
mentioned on signboard, it should match with the address on
business proof documents.
 Do’s  Don'ts ×
Guidelines on PAN Card document
Please upload Individual PAN (4th letter = P) to onboard a
proprietorship merchant and Business PAN (4th Letter ≠ P)
only to onboard a non-proprietor merchant

Non Prop PAN Individual PAN

Wrong business entity selection by FSEs to onboard
merchants should be stopped. Many instances are observed
where Non-prop merchants are onboarded as proprietors
and post onboarding merchants face issues.

Blur, cropped, photo-shopped PAN images shouldn't be

Please upload clear image of PAN document
uploaded
 Do’s  Don'ts ×
Guidelines on Aadhar Card document
Both front and back sides of Aadhar card document should
be shared during onboarding. 1. Leads where only single side of aadhar card doc is
shared will be rejected.

2. Aadhar card should not have aadhar number

encrypted on the same.

3. Minors (Age < 18) will not be onboarded as merchants.

Original/scanned/Digital copies of aadhar card are accepted. Un-attested copies of photocopied Aadhar card doc will be
Photocopied docs are only accepted if self attested by rejected
merchant.
 Do’s  Don'ts ×
Guidelines on Cancelled Cheque documents
CC document is mandatorily required in case of name Screenshot/handwritten/photocopied Cancelled cheque
mismatch and a live & clear document should be provided documents are not acceptable if penny drop is failed.

For Proprietorship merchants, Bank details are accepted both

in the name of business and merchant.
Screenshots of bank documents can be considered, if Penny
drop is successful & bank details are clearly visible.
For Non-proprietorship merchants, bank details are only
accepted in the name of business.
 Do’s 
Guidelines on Shop front Photo
Only live images of Shop front photo is accepted
Sunpack onboarding is only allowed for Type A Merchants that
are providing GST/Business PAN or current account with
business proofs.
Complete Shop front photo should be uploaded and LOB should
be clearly visible
Please upload shop front images with shop name clearly visible
and matching on shop signboard
Onboardings where entity name is mentioned in regional
language in shop front area should be supported by vernacular
declaration.
Don'ts ×
Non-live image/Screenshot of Shop front photo is not acceptable.
Please do not attempt sunpack based onboardings on Type B1
and Type B2 merchants.
Cropped/Incomplete Shop images are not acceptable. If
required, please upload multiple images in
optional/miscellaneous documents section as supporting
documents. LOB declaration can also be provided as a
supporting document to declare category of merchant.
1. Either signboard or sunpack should be present in shop
front document for verification. Onboardings without any
business/display name will get rejected.
2. In case, business and display name are not matching, a
document establishing connection of both names should
be provided. If not present, Regional heads approval will be
required to onboard such merchants.
Leads will be rejected if QC team is not able to establish a link
between shop front and business/display name after translation.
All onboardings should be backed by vernacular declaration duly
 Do’s  Don'ts ×
Guidelines on Business owner photo

1. For Proprietorship merchants, Live photo of 1. Any screenshots/non-live/passport size photo will be
merchant being onboarded is to be uploaded and rejected by QC team
same should match with Aadhar/PAN card 2. Any random document uploaded or unclear photo will
document. be rejected by QC team

2. For Non-proprietorship merchants, Live photo of 3. Compliance approval will be required for any
authorised signatory of business is to be uploaded exceptional cases @Jyothi Nirmal Mekala @Archibold
and same should match with aadhar card document Serrao 
of authorized signatory of business
 Do’s  Don'ts ×
Guideline for Authorized signatory Declaration & Non-proprietor entity documents
Declaration of Authorized signatory document should be Authorized signatory document if not stamped/signed by
stamped and signed by two directors. two directors will be rejected.

Partnership deed should include the Legal name of the

Incomplete partnership deed should not be shared and all
company, company address &name of all partners. It
pages should be uploaded
should be stamped and signed by all Partners

If details are not matching on MCA website, lead will be

COI should have the company legal name and registered
rejected. Form 18/22 can be provided as a supporting
address and details should match with MCA website
document in case of name & address mismatch.
1. Trust deeds/HUF deeds should include the Legal
name of the company & address and same should
match with declared details.

2. Trust deed/society by laws should be signed and If details are not matching, lead will be rejected.
stamped by authorized signatory.

3. It should be on stamp paper stating names of karta &

co-partners(members)
 Do’s  Don'ts ×
Guidelines on Negative and Grey LOB Merchant
1. Merchants dealing in negative LOBs should not be
onboarded by sales team. List of negative LOBs is
attached here.

2. In addition to this list, Tours and Travel & Coaching

centres/Tuition classes category merchants will be
Only Merchants dealing in positive line of business for offline
onboarded after Onboarding HOD (Sanjeev Misra)
segment to be onboarded.
approval and Business head (Renu Satti) approval.

3. Hotel Category merchants to be only onboarded if both

GST and current account is shared.

4. Jeweller category is a negative LOB for Online EDC

channel

For Grey LOB merchants (Alcohol and Fireworks), Trade Please do not onboard Grey LOB merchants without proper
license is mandatorily required to get onboarded. license documents ex – Liquor & Fireworks merchants
All In One QR Code Mapping
 How to map All in One QR code to merchant’s account

Chose Type of QR code Enter Merchant Mobile Select MID from the
Select QR Mapping Select All in One QR code no. below option
 How map All in One QR code
Enter OTP sent on Incase merchant needs Scan the all in one QR All in one QR code is
Merchant registered to add additional no. for code mapped
mobile no. payment notification