Account Activation

• Create an account
• Explore test environment
• Required documents
• Documents by entity type

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Create an account

1. Visit the Cashfree sign up page to begin the process of creating an account.
2. Provide the business email address and set a password, then click Continue. Alternatively, Sign up with Google can be used to create the account directly. These credentials are used for future sign-ins.
3. Enter the mobile number, click Create account, and verify it using the OTP sent to the registered phone.

1

Business details

On the Business details page, enter the brand name, select the product or service category, and choose the annual turnover range from the dropdown menu. Click Continue to proceed.

2

Choose your solution

On the Choose your solution page, select the product that best fits the business needs. Provide the following details based on the selection:

• Collect Payments
• Verify My Customers
• Make Payouts

Accept and automate online payments from customers across web and mobile apps while ensuring high conversion rates.

• Requirements: Provide the website URL or the Play Store or App Store URL for the app.

Onboard users faster and prevent fraud using automated Aadhaar, PAN, bank account, and KYC verification.

• Requirements: Provide the website URL.
  Business PAN is mandatory for this selection in the next step.

Send instant money transfers to bank accounts, UPI IDs, cards, or wallets for vendor payments, refunds, and salaries.

• Requirements: Provide the website URL.

Business PAN is mandatory for this selection in the next step.

Click Continue after selecting the preferred solution.

3

KYC information

On the KYC information page, provide the following details:

• Business registration details: Enter a valid business PAN number. The system uses the PAN to fetch the legal name and GST, CIN, LLPIN data.

The remaining steps on the KYC information page vary based on the business structure:

• Individual
• Registered entity

• Archetype identification: The system automatically identifies individuals using the fourth digit “P” of the provided PAN.
• Business owner verification:
  • OTP verification: Complete identity verification instantly using the Aadhaar number and the OTP sent to the registered mobile number.
  • DigiLocker verification: Securely authenticate and share Aadhaar information via the DigiLocker account.
  • CKYC verification: Use the Central KYC (CKYC) record to prefill details automatically. This method is optional.
  
• CKYC verification flow: If CKYC verification is chosen, follow the steps below to complete it:
  1

  Authenticate via CKYC

  If CKYC verification is chosen, enter the mobile number and OTP linked to the PAN’s CKYC record. The system will then securely retrieve their identifying documents.

  

  2

  Verify and confirm documents

  Once the records are fetched, review the retrieved document (such as a driving licence or PAN). If the details are correct, click Confirm. You can also remove and upload a new document if needed.
• Principal place of business: Enter the complete and accurate business address. The business location is subject to physical verification.

• Upload business documents: For proprietorship businesses, upload at least two proofs of business (such as Udyam, Shop & Establishment, or MSME certificate).
  • Municipal certificate
  • Udyog Aadhaar
  • Shop & Establishment certificate
  • Other government-issued registration proofs
  If these documents are not available, the business type will be changed to Unregistered.

• Archetype identification: The system automatically identifies registered entities if the fourth digit of the provided PAN is not “P”. For example, the fourth letter of a business PAN is “C”.
• Authorised signatory verification: An authorised signatory must be verified to access the CKYC information and complete the KYC.

After getting consent of the merchant, the CKYC record is automatically retrieved using the business PAN and Date of Incorporation (DOI).

• Beneficial owner (BO) details: Identify all individuals who hold a significant beneficial interest in the business, as required under the RBI KYC Master Direction.
  1

  Review the prefilled BO list

  The system identifies potential beneficial owners and executives based on the merchant’s records.

  • Verified BOs: If a BO has a green Verified status, no further action is required for them.

  Once the list is accurate, click Confirm Beneficial Owners then confirm it to proceed.

  

  Once the verification is complete and the final list is confirmed, it becomes a frozen list. Beneficial Owner details cannot be changed or edited from the dashboard after that.

  2

  Select and verify unverified BOs

  In case you are required to verify an unverified BO, you will see three verification options:

  • CKYC verification: Verify using the mobile number and OTP linked to their CKYC record.
  • DigiLocker verification: Authenticate via Aadhaar on their DigiLocker account.
  • OTP verification: Verify instantly using Aadhaar number and an OTP.

  

  3

  Authenticate via CKYC

  If CKYC verification is chosen, enter the mobile number and OTP linked to the PAN’s CKYC record. The system will then securely retrieve their identifying documents.

  

  4

  Verify and confirm documents

  Once the records are fetched, review the retrieved document (such as a driving licence or PAN). If the details are correct, click Confirm. You can also remove and upload a new document if needed.

A beneficial owner is any individual who:

• Holds more than 10% of the ownership or share capital in a company, partnership, or Limited Liability Partnership (LLP).
• Holds more than 15% of the interest in an association, body of individuals (BOI), or society.
• Is entitled to 10% or more of the interest in a trust.

Beneficial owners do not need to be identified for publicly listed companies or their majority-owned subsidiaries.

• Principal place of business: Enter the complete and accurate business address. The business location is subject to physical verification.

• Upload business documents: Provide the required business documents for final verification.

The exact documents required for upload vary depending on entity type. See documents by entity type for the list that applies to your business.

4

Bank account setup

On the Bank account setup page, enter the company’s bank account number and IFSC code to ensure settlements reach the correct account. Click Verify to validate the details.

The first transaction in newly opened accounts must be a credit from an existing KYC-complied bank account of the customer.

5

Video KYC and submit

Video KYC (V-CIP) is a remote video call used to complete KYC for individuals or the authorised signatory when required.

• When V-CIP is required
  • V-CIP is triggered if Enhanced Due Diligence (EDD) fails, or if additional supporting documents are still needed after EDD.
• When V-CIP can be deferred
  • If EDD is successful and any requested documents are uploaded and verified, V-CIP is not required and can be deferred.

Enhanced Due Diligence (EDD) is an additional risk check performed before moving to V-CIP. EDD typically includes address verification, automated website and PAN checks, validation that the first transaction comes from an existing KYC-complied bank account, and review of email and phone communication trails. If these checks pass, the system relies on EDD and V-CIP is usually not required.

Click Submit to verify to finalise the application. After a brief verification process, merchants receive a confirmation, allowing them to start integrating Cashfree Payments into their platform.

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Explore test environment

• Familiarise themselves with the dashboard interface.
• Explore integrations and read product documents.
• Test product features and simulate various payment scenarios.
• Verify workflows before going live.

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Required documents

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Business owner identification

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Documents by line of business (LOB)

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Website compliance

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Documents by entity type