Onboard merchants in minutes while maintaining rigorous compliance with RBI Master Directions for Payment Aggregators (MD-PA). Instant business registration KYB, promoter verification, settlement bank account validation, and merchant risk screening.
The RBI Master Direction on Payment Aggregators mandates comprehensive merchant due diligence before enabling payment processing.
PAs must check legal existence, address verification, PAN/GSTIN validity, and business line legitimacy for all onboarded merchants.
Funds from the escrow nodal account can only be disbursed to bank accounts verified to belong strictly to the registered business entity.
Continuous monitoring to prevent merchant aggregation for prohibited goods, gaming violations, illegal forex portals, and fake shell businesses.
Manual operations and multi-day underwriting cycles cause merchant drop-offs and expose payment aggregators to heavy chargebacks.
Merchants wait 3 to 7 business days for underwriting teams to manually verify GST certificates, bank statements, and director IDs.
Fraudsters create temporary shell entities, process card transactions, collect payouts into mule accounts, and vanish before chargebacks arrive.
Disbursing funds to merchant accounts with slightly misspelled business names causes payment reversals and escrow audit flags.
RPACPC gives PA/PGs the verification tools to onboard authentic merchants in minutes with zero regulatory compromise.
Automate entity verification via GSTIN search, MCA company checks, and Udyam certification in under 60 seconds.
Verify bank accounts with real-time penny drop, ensuring the registered name matches the legal merchant identity.
Verify authorized signatories and majority shareholders through Aadhaar DigiLocker, PAN validation, and live face match.
Maintain immutable records of all merchant verification documents and queries for direct submission during RBI audits.
Mission-critical verification journeys across digital payments, e-commerce checkouts, and merchant acquiring.
Verify GSTIN, Shop & Establishment license, Udyam Aadhaar, and owner PAN in a single automated API pipeline.
Fetch real-time MCA company master data, director DINs, active filings, and authorized capital records.
Execute Penny-drop bank checks verifying IFSC code and beneficiary corporate name before routing settlements.
Screen directors against FIU-IND watchlists, PEP databases, and verify tax compliance under Section 206AB.
A seamless, API-driven verification journey built for modern payment platforms.
Validate GSTIN status, trade name, and MCA incorporation details in real time.
Execute DigiLocker eKYC, PAN validation, and DIN verification for promoters.
Run Penny-drop verification to ensure payouts only disburse to the verified legal merchant.
Store full cryptographic audit trail complying with RBI Master Direction inspection rules.
Answers to the questions compliance, risk and engineering teams ask most before integrating RPACPC.
Empower your applications with India's Enterprise Verification Intelligence Platform for faster, more reliable verification.