Setting up an online payment gateway is a mission-critical milestone for any digital business. If Razorpay approval is on your roadmap, documentation is the gatekeeper. Miss one file, and your launch timeline slips. Not ideal.
At Viaansh, we’ve onboarded multiple businesses on Razorpay, and trust us—when your documents are airtight, approval is smooth and fast.
Let’s align expectations and close this loop properly.
Why Razorpay Asks for Documents (No, It’s Not Just Formality)
Razorpay operates under RBI guidelines. That means:
- Business verification
- Fraud prevention
- Regulatory compliance
In short: they want to know who you are, what you sell, and whether your business is legit. Fair deal.
Mandatory Documents for Razorpay Approval
Below is the non-negotiable checklist 👇
1. Business Registration Proof
Any ONE of the following (as applicable):
- GST Certificate
- Shop & Establishment (Gumasta) License
- Certificate of Incorporation (Pvt Ltd / LLP)
- Partnership Deed (for partnership firms)
📌 Pro tip: Business name on documents must match your website and bank account. No spelling gymnastics.
2. PAN Card
- Individual: Personal PAN
- Company/LLP: Business PAN
This is Razorpay’s primary tax identity reference.
3. Bank Account Proof
Upload any one:
- Cancelled Cheque
- Bank Statement (last 3 months)
- Passbook (first page)
✔️ Account holder name should match your business entity. Razorpay does not like ambiguity.
4. Website or App (Mandatory)
Your website must be:
- Live
- Functional
- Transparent
And must include these pages (yes, all of them):
Required Website Pages
- Privacy Policy
- Terms & Conditions
- Refund Policy
- Cancellation Policy
- Shipping Policy (for physical products)
- Contact Us (address, phone, email clearly visible)
🚫 Instagram-only or WhatsApp-only businesses = instant rejection
5. Product / Service Details
You’ll need to clearly explain:
- What you sell
- Pricing model
- Delivery timelines
- Refund logic
If Razorpay smells confusion, approval slows down.
6. Identity & Address Proof (Sometimes Requested)
In some cases, Razorpay may ask for:
- Aadhaar Card
- Passport
- Voter ID
This usually happens if:
- Business is new
- No GST
- High-risk category
Common Reasons Razorpay Rejects Applications (Avoid These)
Let’s be brutally honest:
- ❌ Missing policy pages
- ❌ Copied policies from random websites
- ❌ Website under construction
- ❌ Mismatch in business name
- ❌ Unclear refund/cancellation terms
- ❌ Selling restricted products without disclosure
Most rejections are preventable with proper setup.
How Viaansh Makes Razorpay Approval Easy
Here’s our value proposition—no buzzwords, just execution:
- Policy drafting (Razorpay-compliant)
- Website audit before submission
- Business name & structure alignment
- End-to-end Razorpay onboarding support
📈 Result: Faster approvals, fewer emails, zero stress.
Final Takeaway
Razorpay approval is not hard—it’s process-driven.
If your documents, website, and policies are aligned, approval becomes a formality, not a hurdle.
If you want this done right the first time, Viaansh has your back.