Steps

Process

Action

GTIS | Status

TAT

Owner

1

Merchant want to know why Re-KYC is required

Agent Communication:

Hello Merchant,

To ensure your business continues to grow without interruption. Completing this is a quick, one-time process that unlocks several critical benefits for your account:

Why complete your KYC now?

  • Unlimited Transactions & Zero Limits: Stop worrying about hitting payment caps. KYC completion allows you to accept unlimited payments, ensuring your cash flow never stops.

  • Avoid Account Blocking: This is a mandatory government requirement. Completing it before the upcoming deadline ensures your account remains active and avoids any sudden service disruptions.

  • No Business Proof? We’ve Got You Covered: If you don't have formal business documents, don't worry. We can instantly generate your Udyam Aadhaar Certificate for you during the setup process.

How to complete it:

Simply log in to your app, tap on the Complete Re- KYC banner, and follow the on-screen instructions. It only takes a few minutes of your time.

Need help? If you have any questions or run into any issues while uploading your details, please reply to this email or contact our support team directly.

Let’s get your business fully verified today!

Regards, 

PhonePe Merchant Helpdesk


Group: Merchant Profile

Type: Re-KYC Attempted

Issue: Re-KYC Information

Sub Issue: Info given


Status: Resolved


MHD L1

2

Need to help with the Document details


Agent Action: Share the valid document list with the Merchant and share the steps to complete the Re-KYC.



Agent Communication: 


Hello Merchant,


Thank you for reaching out to us.

This guide will help you understand which documents are required and the steps to complete your verification.

1. Required Documents & Information

Before you begin, please ensure you have the following details or physical documents ready:

  • Permanent Account Number (PAN): This is mandatory. If you provided your PAN in a previous version (V1), it will be pre-filled for your convenience.

  • Proof of Identity (POI): One of the following is required:

    • Aadhaar Card (Linked to your mobile number for e-OTP).

    • Driving License (DL).

    • Voter ID (VID).

  • Date of Birth (DOB): Must match the records on your PAN and Identity documents.

2. The KYC Process: Step-by-Step

We prioritize a "Check-and-Confirm" flow to save you time. Follow these steps to complete your verification:

Step A: KYC Record Verification 

The system will first attempt to fetch your records from the Central KYC (CKYC) registry using your PAN and DOB.

  1. Review the Records: You will see the details fetched from the registry, including your Full Name, DOB, Gender, and Father’s Name.

  2. Confirm Identity Details: You will also see masked details of your linked identity document (Aadhaar, DL, or VID) and your PAN name.

  3. Completion: If all the information displayed is correct, simply click "Confirm." Your Owner KYC is now complete!


Step B: Manual Verification (If Records are Incorrect/Unavailable)

If you do not see your records, or if the information displayed is incorrect, you can opt for manual verification:

  1. Deny/Edit: Select the option to provide details manually.

  2. PAN Entry: Enter/Verify your PAN Number and Date of Birth.

  3. Aadhaar e-OTP: Select Aadhaar for the fastest manual route. You will receive an OTP on the mobile number linked to your Aadhaar.

  4. Verification: Enter the OTP to verify your identity instantly.

 Regards, 

PhonePe Merchant Helpdesk


Group: Merchant Profile

Type: Re-KYC Attempted

Issue: Owner KYC Stage

Sub Issue: Info given


Status: Resolved


MHD L1

3

Why do I need to share the POB?


Agent Action:

It is highly recommended that you submit one business proof. This is especially important if you intend to add a Current Account to your profile.

Your Options for Submitting Proof of Business (POB):

To complete your business verification, you can submit GST in case you do not have GST, you can submit any one of the following valid documents:

  1. Shop Establishment Certificate

  2. Trade License

  3. Food License

  4. Import Or Export Certificate

  5. Professional License (e.g., CA, Lawyer, Doctor, etc.)

  6. Medical/Diagnostic License

  7. BRN Certificate of Rajasthan

  8. LLP Certificate

  9. School License/Certificate UDISE

Note:   

  • Key Requirement for Documents: Ensure that the name(s) appearing on the selected business proof document exactly match the owner name(s) used for your KYC.

  •  Udyam Aadhaar Generation – If you do not possess any of the listed documents, the system will assist you in generating a Udyam Aadhaar to serve as your valid business proof.

Agent Communication:

Hello Merchant,

Thank you for reaching us out.

To ensure full access to all features, especially if you intend to use a Current Account, we highly recommend completing this step.

How to provide your Business Proof:

  • Navigate Back: If you have already moved past the upload screen, please click Proceed and then use the Back button to return to the Business KYC section.

  • Select a Document: You can upload any one of the following valid documents:

    • Shop Establishment Certificate

    • Trade License

    • Food License

    • GST Registration Certificate

    • Professional/Medical License

    • LLP or BRN Certificate

  • Udyam Aadhaar: If you do not have any of the above, you can opt to generate a Udyam Aadhaar directly within the app.

Important Note: Please ensure the name on your business proof exactly matches the name provided in your Owner KYC.

Completing this step will help us verify your business quickly and prevent any potential interruptions to your services.

Regards, 

PhonePe Merchant Helpdesk

Group: Merchant Profile

Type: Re-KYC Attempted

Issue: BKyc Stage

Sub Issue: POB-  Info given


Status: Resolved

Resolved


4

Need Help with GST.



Agent Action: 

Please complete your Re-KYC by providing your Proof of Business (POB). Follow these steps:

  • Option 1: Submit GST – Provide your GSTIN and upload a valid GST certificate.

  • Option 2: Alternative Documents – If you do not have GST, you may skip that step and select a document from the provided list (e.g., Trade License, Shop Establishment Certificate).

  • Option 3: Udyam Aadhaar Generation – If you do not possess any of the listed documents, the system will assist you in generating a Udyam Aadhaar to serve as your valid business proof.


Agent Communication: 


Hello Merchant,


Thank you for reaching us out.

To proceed with your onboarding, please provide your GST details by following these steps:

  • Enter GSTIN: Provide your 15-digit Goods and Services Tax Identification Number.

  • Upload Document: Attach a clear, valid copy of your GST Registration Certificate (Form REG-06).

  • Verify Details: Ensure the business name on the document matches your application.

Once uploaded, click proceed to continue with your verification.

Note: The name(s) mentioned in your selected proof must exactly match the name(s) provided during your Owner KYC.

Regards, 

PhonePe Merchant Helpdesk


Group: Merchant Profile

Type: Re-KYC Attempted

Issue: BKyc Stage

Sub Issue: GST- Info given


Status: Resolved

Resolved


5

Need help to understand the List of documents.



Agent Action: 

Please complete your Re-KYC by providing your Proof of Business (POB). Follow these steps:

  • Alternative Documents – If you do not have GST, you may skip that step and select a document from the provided list (e.g., Trade License, Shop Establishment Certificate).


NOTE:  Udyam Aadhaar Generation – If you do not possess any of the listed documents, the system will assist you in generating a Udyam Aadhaar to serve as your valid business proof.


Agent Communication:


Hello Merchant,


Thank you for reaching us out. Do not worry, here is the list of valid documents a merchant can submit as Business Proof-  if you do not have GST.

  • Shop Establishment Certificate

  • Trade License

  • Food License

  • Import Or Export Certificate

  • Professional License (e.g., CA, Lawyer, Doctor, etc.)

  • Medical/Diagnostic License

  • BRN Certificate of Rajasthan

  • LLP Certificate

  • School License/Certificate UDISE

Note: The name(s) mentioned in your selected proof must exactly match the name(s) provided during your Owner KYC.

Regards, 

PhonePe Merchant Helpdesk


Group: Merchant Profile

Type: Re-KYC Attempted

Issue: BKyc Stage

Sub Issue: Document-  Info given


Status: Resolved