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Documentation Index

Fetch the complete documentation index at: https://payglocal.mintlify.app/llms.txt

Use this file to discover all available pages before exploring further.

Before you start onboarding, know these three axes that determine what you need to collect from a merchant:
  1. Entity type — drives the core KYC + business document set.
  2. Business category — some categories (jewelry, insurance, F&B, travel) need an extra regulatory certificate.
  3. Products you enable — enabling cards adds a website due-diligence check.
This page covers all three.

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Eligible entity types

PayGlocal onboards the following 6 entity types. Anything else is not eligible.
Entity typeentityType enum value
Freelancer (Individual)INDIVIDUAL
Sole ProprietorPROPRIETOR
PartnershipPARTNERSHIP_FIRM
LLP (Limited Liability Partnership)LLP_FIRM
Private Limited CompanyPVT_LTD_COMPANY
Public Limited CompanyPUBLIC_LTD_COMPANY
Send the enum value in the entityType field on Update Business Details.

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Documents by entity type

Click your merchant’s entity type to see the exact list.
Identity & verification
  • PAN of the individual
  • Bank account details (penny-drop verification runs automatically)
  • DigiLocker identity verification
  • VKYC of the individual
Business
  • GST details (where applicable)
  • Declaration of line of business + projected monthly transaction volume
Document types map to the merchantDocType enum on Upload Documents — for example, PARTNERSHIP_DEED, LLP_AGREEMENT, MOA, AOA, COI, IEC.

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Category-specific compliance

Merchants in certain regulated sectors must provide an additional certificate. This applies on top of the entity-type requirements above.
Business categoryMandatory certificate
JewelryBureau of Indian Standards / Hallmarking Certificate
InsuranceIRDAI License
Food & BeveragesFSSAI License
International TravelIATA Certification
If the merchant exports physical goods internationally, Import Export Code (IEC) is mandatory regardless of entity type.
This list is indicative and may be updated based on regulatory developments. When in doubt, contact [email protected].

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Website due diligence

If the merchant wants to enable the cards product, the merchant’s website must satisfy the following before the verification step:
  • Valid privacy policy, refund policy, terms and conditions, and shipping policy pages
  • Clear display of products sold and their pricing
  • Merchant’s trade name or registered name clearly visible
Gaps here will block the compliance review even after VKYC succeeds.

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What PayGlocal auto-fetches

For Partnerships, LLPs, and Companies, PayGlocal attempts to auto-fetch the following from government sources:
  • Partnership Deed / LLP Deed
  • MOA, AOA, COI
  • Udyam Registration (where available)
If the auto-fetch fails, PayGlocal will flag the onboarding with status RFI and request manual upload via Upload Documents.

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Dynamic document pendencies

Every onboarding API response includes documentsToBeUploaded in the checklist status. This array tells you exactly which documents are still required for the current merchant state. Poll Get Onboarding Status after each step to get the updated list.
TriggerdocumentsToBeUploaded keymerchantDocType for upload
Operating address ≠ registered addressOPERATING_ADDRESS_PROOFOPERATING_ADDRESS_PROOF
Sole ProprietorSOLE_PROP_DOC_1_UPLOAD, SOLE_PROP_DOC_2_UPLOADAny value from solePropDocs in the response: UDYAM, UTILITY_BILL, ITR, SHOP_ESTABLISHMENT_CERTIFICATE, IEC, GST_SUPPORTING_CERTIFICATE
PVT LTD / Partnership — beneficial owner Aadhaar{PAN}_{NAME}_AADHARDynamic per BO (e.g. ABCDE1234F_JOHN_DOE_AADHAR)
Auth signatory is not a beneficial ownerREPRESENTATIVE_DOCREPRESENTATIVE_DOC
Partnership FirmPARTNERSHIP_DEED, PARTNERSHIP_REGISTRATION_CERTIFICATEPARTNERSHIP_DEED, PARTNERSHIP_REGISTRATION_CERTIFICATE
Partnership — unregistered firm—Set noPartnershipRegistrationCheck: true in Update Business Details to skip PARTNERSHIP_REGISTRATION_CERTIFICATE
LLP (Firm)LLP_AGREEMENTLLP_AGREEMENT
Individual + website contains linkedin/instagram + Services businessFREELANCER_DOC_UPLOADITR, SERVICE_LEVEL_AGREEMENT, or BANK_STATEMENT
Regulated line of businessLOB_DOCUMENTLOB_DOCUMENT
Penny drop verification fails (Production)CANCELLED_CHEQUECANCELLED_CHEQUE
In UAT, use bank account 1234567890 and IFSC SBIN0000000 for successful penny drop. Any other combination triggers a CANCELLED_CHEQUE pendency. See Sandbox Testing.

API Flow Overview

End-to-end sequence of all 10 onboarding endpoints.

Events & Webhooks

Track merchant progress via postMessage and webhooks.