Payments

Set Up

Set up a Razorpay Account

Set up a Razorpay account, submit your KYC using CKYC/Video KYC and start using the various Razorpay Payments and Banking Plus products.

You must sign up for a Razorpay account to use the Razorpay Payments products, access the Dashboard and accept payments from customers.

1. Sign Up

Set up an account

to use Razorpay products to accept customer payments.
You can also

set up multiple accounts

with the same mobile number and email id.

2. Submit KYC

Submit your KYC documents to get your account verified and get the payments settled in your account.

Watch this video to create a new account on Razorpay and complete your KYC.

Fast-Track Onboarding with Central KYC (CKYC) - Effective January 1, 2026

Streamline your onboarding with instant CKYC verification.

Razorpay now offers immediate identity validation for businesses with existing Central KYC records. This enables full account activation in minutes by removing the necessity for Video KYC and manual document uploads.

Know more about

CKYC and Traditional KYC

.

Key Benefits

  • Instant Verification: If you have existing CKYC records (from bank, mutual fund, insurance), verification happens in seconds.
  • No Document Uploads: Many required documents are auto-fetched from CKYC.
  • Skip Video KYC: Businesses can bypass Video KYC completely.
  • Faster Activation: Complete onboarding in minutes instead of days.

Assisted Onboarding

Hire a dedicated onboarding manager for an additional fee to assist you through your onboarding journey. The onboarding manager will provide end-to-end assistance, from sign-up and KYC document submission to verification and account activation. Know more about

Assisted Onboarding

.

Set Up a Razorpay Account and Complete KYC

To set up a Razorpay Account, go to the

Razorpay website

and click Sign Up. Follow these steps for a smooth sign up process:

Set Up Account

Provide your contact details to get started:

  1. Enter an email address or 10-digit phone number.
    Enter phone number or email address
  2. Create a password. Ensure that the criteria is fulfilled.
  3. Enter the OTP sent to your email address or phone number. Click Verify. If you did not receive the OTP, click Resend OTP.
  4. Click Submit OTP.
    Submit OTP
  5. Select business type. Click Proceed.

Basic Details

Provide your basic details to set up your account.

  1. Enter your Full name. This name must be of the person who will be completing the onboarding. Click Continue.
    Enter name
  2. Enter your Mobile number. Click Continue.
    Enter phone number
  3. Enter the OTP sent to your mobile number. Click Continue.
    Enter otp
  4. Select the platforms where you would like to accept payments. Click Continue.
    Select platforms
  5. Add website or application links. Click Continue. If you wish to add these later, click Add later.
    Enter website or app links
  6. Add the Social media links that are available. Click Continue. If you wish to add these later, click Add later.
    Enter social media links
  7. Review the basic details you entered. Click Continue after verifying the information.
    Review basic details

Business Details

Provide your business details.

  1. Select your business type: Registered or Unregistered. Click Continue.

    Select business type

  2. Select your business sub-type based on the available options. Click Continue.

    Select business subtype

    Handy Tips

    Additional PAN may be required based on your business type:

    • Individuals: Business Owner's PAN
    • Registered Business: Business PAN (Company PAN) and Authorised Signatory PAN (Director/Partner)
    • Proprietorship: Authorised Signatory/Proprietor's PAN

    If you are an unregistered Individual business:

    1. Enter your personal PAN number. Click Continue.

      Enter personal PAN number

    2. Razorpay will automatically capture your details based on your PAN number. Review your PAN.

      If the details are correct, click Yes, confirm. Or, click Edit PAN.

      Review PAN

    3. Select your brand name. If the available options do not match your brand name, click Other and enter your brand name. Click Continue.

      Review PAN

    4. Review the business details you entered. Click Continue after verifying the information.

      Review business details - Unregistered

    If you are a registered business:

    1. Enter the full name of your business name. Ensure you do not use any special characters. Click Continue.

      Enter business full name

    2. Enter your Personal PAN number.

    3. Select the Date of Incorporation.

      Enter business full name

      Handy Tips

      Date of incorporation can be found on your business GST Document or UDYAM (MSME) certificate.

    4. Razorpay will automatically capture your details based on your PAN number. Review your PAN.

      If the details are correct, click Yes, confirm. Or, click Edit PAN.

      Review PAN

    5. Select your brand name. If the available options do not match your brand name, click Other and enter your brand name. Click Continue.

      Review PAN

    6. Review the business details you entered. Click Continue after verifying the information.

    Review business details - Registered

Business Documents (For Registered Businesses)

Provide your business documents to help us verify your business identity.

You must provide at least 1 required document and 1 additional document. Below is the list of accepted required and additional documents:

Required documents (Any 1):

  • GST certificate
  • MSME (UDYAM) Certificate

Additional (Any 1):

  • Shop Establishment Certificate (SEC)
  • Import Export Certificate (IEC)
  • Mobile Postpaid Bill
  1. Enter your GSTIN number. If you have a GSTIN, you must upload your GST certificate. If you do not, select the I don't have a GSTIN option. Click Continue.
    Enter GSTIN
  2. Enter your UDYAM MSME number and upload the MSME certificate. Click Continue.
    Enter UDYAM MSME details
  3. Select an Additional document and upload it. Click Continue.
    Upload additional documents
  4. Review the business documents you provided. Click Continue after verifying the information.
    Review business documents

KYC Details

Complete your KYC to start accepting payments using Razorpay.

For unregistered Individual businesses:

  1. Enter your mobile number linked to your CKYC to avoid performing a video KYC. Click Generate OTP.

    Review business details - Unregistered

  2. Enter the OTP. Click Verify OTP.

    If your details are successfully fetched, the screen appears as shown:

    Fetched CKYC details

    If your CKYC verification fails, follow the below steps to share your Aadhar details using Digilocker or upload manually.

    Add identity proof

    Submit id proof using Digilocker

    1. Select Share Aadhar details via Digilocker. Ensure that your mobile number is linked with your Aadhar. Click Continue.

    2. To accept Digilocker's Aadhar terms and conditions, click Continue to digilocker.

      Add identity proof

    3. Enter your Aadhar number. Click Next.

    4. Enter the captcha text.

      Add

    5. Enter the OTP sent to your linked mobile number. Click Continue.

      Add Aadhar

    6. Enter your 6-digit Digilocker pin.

      Add Aadhar

    7. Provide consent to share any issued document for KYC purpose. Click Allow.

      You will now be redirected back to Razorpay's onboarding page. Once the verification is successful, you can continue with the remaining steps.

      Add Aadhar

    Upload id proof manually

    1. Select Upload Identity Proof Manually. Click Continue.
    2. Select a document to upload manually. Click Continue:
      • Aadhar Card
      • Voter id
      • Passport
      Add Aadhar

  3. Select and confirm your business category and sub-category. Click Continue.

    Confirm business category

  4. Select your Average delivery time after receiving an order. You will be asked for this information only if your CKYC failed.

    Confirm business category

  5. Add your Bank details.

    Add Aadhar

    Razorpay will now deposit ₹1 to this account to verify. If the bank verification fails you must upload a proof of the bank account. Choose from the given options:

    • Video of cancelled cheque
    • Letter/email from Branch Manager confirming account
      Add Aadhar

  6. You are now ready to submit your application. Click Submit Application.

    Add Aadhar

    You can unlock international payments by clicking Unlock International. Know more about

    International Payments

    . Or you can proceed to explore your dashboard by clicking Explore Test Dashboard.

    Once your details are verified by our team, Live mode will be enabled.

    Watch Out!

    During the review process, we may reach out to you for clarifications. You can address these queries on the Dashboard.

For registered businesses:

  1. Select how you want us to collect your KYC details. You can:

    • Fetch details with PAN & OTP
    • Share Aadhaar details via Digilocker
    • Upload documents manually

    If your details are successfully fetched, the screen appears as shown:

    Fetched CKYC details

    If your CKYC verification fails, follow the below steps to share your Aadhar details using Digilocker or upload manually.

    Add identity proof

    Submit id proof using Digilocker

    1. Select Share Aadhar details via Digilocker. Ensure that your mobile number is linked with your Aadhar. Click Continue.

    2. To accept Digilocker's Aadhar terms and conditions, click Continue to digilocker.

      Add identity proof

    3. Enter your Aadhar number. Click Next.

    4. Enter the captcha text.

      Add

    5. Enter the OTP sent to your linked mobile number. Click Continue.

      Add Aadhar

    6. Enter your 6-digit Digilocker pin.

      Add Aadhar

    7. Provide consent to share any issued document for KYC purpose. Click Allow.

      You will now be redirected back to Razorpay's onboarding page. Once the verification is successful, you can continue with the remaining steps.

      Add Aadhar

    Upload id proof manually

    1. Select Upload Identity Proof Manually. Click Continue.
    2. Select a document to upload manually. Click Continue:
      • Aadhar Card
      • Voter id
      • Passport
      Add Aadhar

  2. Enter the Authorised Signatory's name. Click Continue.

    Enter authorised signatory name

  3. Select and confirm your business category and sub-category. Click Continue.

    Confirm business category

  4. Add the Registered Business Address. You will be asked for this information only if your CKYC failed.

Add Aadhar
  1. Add your Bank details.
Add Aadhar

Razorpay will now deposit ₹1 to this account to verify. If the verification fails you must upload a proof of the bank account. Choose from the given options:

  • Video of cancelled cheque
  • Letter/email from Branch Manager confirming account
    Add Aadhar
  1. You are now ready to submit your application. Click Submit Application.
    Add Aadhar

You can unlock international payments by clicking Unlock International. Know more about

International Payments

. Or you can proceed to explore your dashboard by clicking Explore Test Dashboard.

Once your details are verified by our team, Live mode will be enabled.

Watch Out!

During the review process, we may reach out to you for clarifications. You can address these queries on the Dashboard.

Video KYC (For Individual Unregistered Businesses If CKYC Fails)

  1. If your CKYC failed, you must proceed with the Video KYC process. Click Start Video KYC.

    Start Video KYC

  2. Confirm if you are the authorised signatory proceeding with the video KYC process. Click Continue.

    Start Video KYC

  3. If you are not the authorised signatory, you can share the VKYC shareable link with them.

    Start Video KYC

  4. If you are the authorised signatory, review the instructions and click Start.

    Handy Tips

    Ensure you have physical copies of your PAN and Aadhaar card ready.

  5. Click Accept & Proceed to accept the terms and conditions.

    Accept Video KYC Terms

  6. Click Proceed to start checking for camera, microphone and location.

    Handy Tips

    Ensure no Proxy/VPN/TOR is active on your device.

  7. A Razorpay agent will join and verify your documents on video.

    You have successfully completed your onboarding process.

After Your Account is Created

  • In some cases, additional details may be required once your account is created.
  • You can accept payments and make payouts using a

    range of products

    .
  • You can access the Test mode on the Dashboard to test and experience the products offered by Razorpay. Test mode does not involve actual money transactions.
  • You have to generate separate API keys for Live and Test modes. Know more about

    API Keys

    .

Successful Activation

Your KYC Verification is complete. You can:

CKYC Verification vs. Traditional Verification

Complete KYC to start accepting payments with Razorpay. The new Master KYC-compliant process offers two verification paths:

CKYC Verification

  • Instant verification using existing CKYC records
  • No document uploads needed
  • No Video KYC required

How CKYC Works

  1. Enter PAN Details
    • For registered businesses: Business PAN and Date of Incorporation
    • For individuals: Personal PAN
  2. CKYC Record Check:
    • Razorpay checks if CKYC record exists for your PAN.
  3. Consent via OTP:
    • If CKYC record is found, you must enter the mobile number linked to the CKYC.
    • Enter the OTP sent by the CKYC system to provide consent.
  4. Instant Verification
    • Documents auto-fetched from CKYC
    • Identity verified instantly
    • Proceed to additional requirements (if any)
  5. CKYC Consent Process
    • For Registered Businesses: Your CKYC record is looked up using Business PAN and Date of Incorporation.
    • Date of Incorporation Sources:
      • Certificate of Incorporation
      • GST Certificate
      • Udyam Registration
      • Business PAN document
    • For Individuals/Proprietorships: Your CKYC record is looked up using Personal PAN and Mobile OTP verification.

Traditional Verification + Video KYC

  • Required when CKYC data unavailable
  • Upload required documents
  • Complete Video KYC with Authorised Signatory

Handy Tips

You can provide information in any order you prefer during KYC. Review and modify details from account creation if needed. Check the

complete list of KYC documents

required for your business type.

Handy Tips

  • During KYC verification process, you can provide the required information in any order you prefer.
  • You should review the details submitted during account creation and make changes if required.

Account States

The status of your Dashboard account after signing up and submitting your KYC details might be in one of the following states:

Set Up Multiple Accounts

As a business owner, you may need different accounts for different kinds of work. However, it is challenging to obtain a new mobile number each time you want to set up an account. With Multi-Account, you can set up different accounts using the same mobile number and email id as your existing account.

Example

Assume Gaurav is an Indian business owner who has an account with Razorpay using Mobile Number: 9000090000 and Email Id: gaurav.kumar@example.com.

Gaurav uses Multi-Account feature to set up another account. Razorpay will use the same number and email id as shown above to set up the other account. This will work in a similar way in your respective country.

Set up Another Account Using Website

  1. Go to the

    website

    and click Sign Up.
  2. Enter your mobile number or email id and click Continue.
  3. Enter the OTP sent to your registered mobile number and click Verify.
  4. All the accounts linked to the entered number/email is are displayed. Click Create a new account.
    Create another account
  5. Select the country and click Verify.
  6. Your existing number and email id is already registered with the new account. Enter your name and continue with

    Sign Up

    and

    KYC

    .

Set Up Another Account Using Dashboard

  1. Log in to the Dashboard.
  2. Click the profile icon → Switch Merchant.
  3. Click Create A New Account.
    Create multi account
  4. Select the country and click Verify.
  5. Your existing number and email id is already registered with the new account. Enter your name and continue with

    Sign Up

    and

    KYC

    .

Watch Out!

If your mobile number is already linked to multiple user accounts with different email ids, you cannot use the Multi-Account feature to set up multiple accounts using that number. In this case, use another mobile number or sign up using your email id.

Assume Gaurav has 2 accounts with Razorpay.

Assume Saurav is an Indian business owner and has 2 accounts with Razorpay.

  • Account 1: Mobile Number: 9123456789 | Email Id: saurav.kumar@example.com
  • Account 2: Mobile Number: 9123456789 | Email Id: saurav.kumar+99@example.com

If Saurav tries to use the Multi-Account feature to make another account, Razorpay will block the creation of a new account. This will work similarly in your respective country.

Assisted Onboarding

Why Hire an Onboarding Manager

  • Dedicated onboarding manager: Receive personalised support with a dedicated onboarding manager assigned to you within 1 hour.
  • Swift account activation: Get your account activated within 8 business hours and start accepting payments via Razorpay.
  • End-to-end assistance: Receive comprehensive support until you complete your first transaction, addressing any queries throughout the process.

How to Hire an Onboarding Manager

  1. On the

    Razorpay sign-up page

    , sign up using your mobile number.
  2. Click Know more under Hire an onboarding manager for faster account set up!. Complete the payment.
    Hire a Razorpay onboarding manager.

An onboarding manager will be assigned to you within 1 hour to help you set up your account.

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