> ## Documentation Index
> Fetch the complete documentation index at: https://docs.payglocal.in/llms.txt
> Use this file to discover all available pages before exploring further.

# Merchant Requirements

> Who you can onboard and what documents you'll need to collect from them.

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.

***

## Eligible entity types

PayGlocal onboards the following 6 entity types. Anything else is not eligible.

| Entity type                         | `entityType` enum value |
| ----------------------------------- | ----------------------- |
| Freelancer (Individual)             | `INDIVIDUAL`            |
| Sole Proprietor                     | `PROPRIETOR`            |
| Partnership                         | `PARTNERSHIP_FIRM`      |
| LLP (Limited Liability Partnership) | `LLP_FIRM`              |
| Private Limited Company             | `PVT_LTD_COMPANY`       |
| Public Limited Company              | `PUBLIC_LTD_COMPANY`    |

Send the enum value in the `entityType` field on [Update Business Details](/api-reference/update-business-details).

***

## Documents by entity type

Click your merchant's entity type to see the exact list.

<Tabs>
  <Tab title="Freelancer">
    **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
  </Tab>

  <Tab title="Sole Proprietor">
    **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
    * **Business proof** — any one of:
      * Import Export Code (IEC)
      * GST Registration Certificate
      * Utility Bill
      * Income Tax Return (ITR)
      * Udyam Registration Certificate
      * Shop and Establishment Certificate
  </Tab>

  <Tab title="Partnership">
    **Entity**

    * PAN of the firm
    * Entity bank account (verified automatically)
    * GST details (where applicable)
    * Line of business, website, and projected volume declaration
    * List of partners with PAN and shareholding details
    * **Partnership Deed**

    **Authorized Signatory (AS)**

    * AS must be one of the partners; otherwise, an **Authorization Letter on firm letterhead** appointing the AS is required
    * KYC on the AS: PAN verification, DigiLocker, VKYC
  </Tab>

  <Tab title="LLP">
    **Entity**

    * PAN of the firm
    * Entity bank account (verified automatically)
    * GST details (where applicable)
    * Line of business, website, and projected volume declaration
    * List of partners with PAN and shareholding details
    * **LLP Deed** + **Certificate of Incorporation**

    **Authorized Signatory (AS)**

    * AS must be one of the partners; otherwise, an **Authorization Letter on firm letterhead** appointing the AS is required
    * KYC on the AS: PAN verification, DigiLocker, VKYC
  </Tab>

  <Tab title="Private Limited">
    **Entity**

    * PAN of the company
    * Entity bank account (verified automatically)
    * GST details (where applicable)
    * Line of business, website, and projected volume declaration
    * List of directors and **beneficial owners** (equity holders above 10%) with PAN and shareholding
    * **MOA**, **AOA**, **COI**

    **Authorized Signatory (AS)**

    * AS must be one of the directors; otherwise, a **Board Resolution on company letterhead** appointing the AS is required
    * KYC on the AS: PAN verification, DigiLocker, VKYC

    <Note>
      Where feasible, PayGlocal auto-fetches MOA, AOA, and COI directly from government sources. You only need to upload these manually if the auto-fetch is unsuccessful.
    </Note>
  </Tab>

  <Tab title="Public Limited">
    **Entity**

    * PAN of the company
    * Entity bank account (verified automatically)
    * GST details (where applicable)
    * Line of business, website, and projected volume declaration
    * List of directors and **beneficial owners** (equity holders above 10%) with PAN and shareholding
    * **MOA**, **AOA**, **COI**

    **Authorized Signatory (AS)**

    * AS must be one of the directors; otherwise, a **Board Resolution on company letterhead** appointing the AS is required
    * KYC on the AS: PAN verification, DigiLocker, VKYC

    <Note>
      Where feasible, PayGlocal auto-fetches MOA, AOA, and COI directly from government sources. You only need to upload these manually if the auto-fetch is unsuccessful.
    </Note>
  </Tab>
</Tabs>

<Note>
  Document types map to the `merchantDocType` enum on [Upload Documents](/api-reference/upload-documents) — for example, `PARTNERSHIP_DEED`, `LLP_AGREEMENT`, `MOA`, `AOA`, `COI`, `IEC`.
</Note>

***

## Category-specific compliance

Merchants in certain regulated sectors must provide an additional certificate. This applies **on top of** the entity-type requirements above.

| Business category    | Mandatory certificate                                |
| -------------------- | ---------------------------------------------------- |
| Jewelry              | Bureau of Indian Standards / Hallmarking Certificate |
| Insurance            | IRDAI License                                        |
| Food & Beverages     | FSSAI License                                        |
| International Travel | IATA Certification                                   |

<Warning>
  If the merchant exports physical goods internationally, **Import Export Code (IEC)** is mandatory regardless of entity type.
</Warning>

This list is indicative and may be updated based on regulatory developments. When in doubt, contact [merchant.support@payglocal.in](mailto:merchant.support@payglocal.in).

***

## 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.

***

## 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](/api-reference/upload-documents).

***

## 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](/api-reference/get-status) after each step to get the updated list.

| Trigger                                                              | `documentsToBeUploaded` key                                | `merchantDocType` for upload                                                                                                                                   |
| -------------------------------------------------------------------- | ---------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Operating address ≠ registered address                               | `OPERATING_ADDRESS_PROOF`                                  | `OPERATING_ADDRESS_PROOF`                                                                                                                                      |
| Sole Proprietor                                                      | `SOLE_PROP_DOC_1_UPLOAD`, `SOLE_PROP_DOC_2_UPLOAD`         | Any 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}_AADHAR`                                      | Dynamic per BO (e.g. `ABCDE1234F_JOHN_DOE_AADHAR`)                                                                                                             |
| Auth signatory is not a beneficial owner                             | `REPRESENTATIVE_DOC`                                       | `REPRESENTATIVE_DOC`                                                                                                                                           |
| Partnership Firm                                                     | `PARTNERSHIP_DEED`, `PARTNERSHIP_REGISTRATION_CERTIFICATE` | `PARTNERSHIP_DEED`, `PARTNERSHIP_REGISTRATION_CERTIFICATE`                                                                                                     |
| Partnership — unregistered firm                                      | —                                                          | Set `noPartnershipRegistrationCheck: true` in [Update Business Details](/api-reference/update-business-details) to skip `PARTNERSHIP_REGISTRATION_CERTIFICATE` |
| LLP (Firm)                                                           | `LLP_AGREEMENT`                                            | `LLP_AGREEMENT`                                                                                                                                                |
| Individual + website contains linkedin/instagram + Services business | `FREELANCER_DOC_UPLOAD`                                    | `ITR`, `SERVICE_LEVEL_AGREEMENT`, or `BANK_STATEMENT`                                                                                                          |
| Regulated line of business                                           | `LOB_DOCUMENT`                                             | `LOB_DOCUMENT`                                                                                                                                                 |
| Penny drop verification fails (Production)                           | `CANCELLED_CHEQUE`                                         | `CANCELLED_CHEQUE`                                                                                                                                             |

<Note>
  In UAT, use bank account `1234567890` and IFSC `SBIN0000000` for successful penny drop. Any other combination triggers a `CANCELLED_CHEQUE` pendency. See [Sandbox Testing](/guides/testing#partner-onboarding-bank-verification).
</Note>

***

<CardGroup cols={2}>
  <Card title="API Flow Overview" icon="diagram-project" href="/guides/api-flow-overview">
    End-to-end sequence of all 10 onboarding endpoints.
  </Card>

  <Card title="Events & Webhooks" icon="bell" href="/guides/partner-onboarding-events">
    Track merchant progress via postMessage and webhooks.
  </Card>
</CardGroup>