SAKSHAM

Total Applications

Pending Review

Sanctioned Merchants

Rejections

APP ID	CUSTOMER ID	MERCHANT NAME	TYPE	BRANCH / REGION	DATE	STATUS	ACTION

Merchant KYC Profile

Verified real-time CBS Record

DRAFT-NEW

Legal Entity

Branch Region

Local Primary

System Status

ACTIVE

Final Declaration

I hereby declare that the above verifications have been carried out diligently and the information confirmed is true and correct to the best of my knowledge. I understand that any incorrect verification or omission may attract action as per applicable policies.

I agree and confirm

Document Upload & Submission

Attach Onboarding Dossier

Combine all verified KYC, Inspection Report, and Business proof into a single PDF if possible.

Merchant Particulars

Product Type Selection

Payment Gateway Easy Fee

Merchant Business Name (Legal Name as per Govt Certificate)

Brand Name

Date of Incorporation

Product/Service Purpose

No. of Customers

GST/Business Certificate No.

Total Turnover per annum (Estimated ₹ Lakhs)

Average Ticket Size (Estimated ₹)

Company PAN Number

Expected Volumes (No. of Txns) per month

Merchant Industry Line of Business

Website (URL)

Whether ERP available

Merchant Communication & GST Details

Communication Address

Line 1

Line 2

Line 3

District

City/Town/Village

State

GST Details Same as Communication

Address as per GST registration

State Code

SAC Code

HSN Code

Classification of Services

Unit located in SEZ/Excise free zones?

Eligible for exemption from indirect taxes?

Management & Contact Matrix

Merchant Business Head

Name

Mobile No.

Address

Email ID

PAN

Authorized Signatory

Name

Designation

Email ID

Mobile No.

Date of Birth

Technical Head

Name

Contact No

Admin Portal Designated Person

Name

Mobile No

Expenditure Calculation & Payouts

Expenditure Calculation

Mode of Payment	Expected Transactions (A)	Average Ticket Size (B)	Total Amount (A * B)
Debit Card (Master/Visa)
Debit Card (Rupay)
Credit Card
Net Banking
UPI

Payout Setup

No.	Fee Label / Description	Payout Account Number
1

Pricing & Concession (DOP)

MDR Concession (%)

Concession CBA Involved (Per Annum)

Sanctioning Authority (PG)

Delegation Note: Concession CBA up to ₹5.00 Lakhs: Wing Head (DBS). Above ₹5.00 Lakhs: Executive Director. Both forward to HO Approver level.

Branch / Office Pre-Sanction Checklist

Verify All Requirements

1. Account & Relationship

Merchant maintains Current Account / OD / OCC account (SB Account permitted only as approved exception) Satisfactory banking relationship for minimum 1 year

2. Business Due Diligence

Nature of business studied and found suitable for PG requirement Business activity aligns with proposed PG usage

3. Credit & Risk Assessment

Credit Information Report (CIR) obtained from CIC

4. Negative List Verification

Merchant verified against VISA / MasterCard / NPCI Negative List No adverse listing observed

5. Mobile & Alerts

Mobile number updated in CBS (where applicable) SMS alerts enabled

Declaration by Branch / Office Official

• All documents and information verified as per Digital Banking Policy.

• KYC/AML/CFT checks, CIR and Negative List verification completed.

• Merchant eligible as per regulatory guidelines and delegation of powers.

• Exceptions/deviations properly approved and documented.

• I understand that incorrect verification may attract action as per Bank policies.

I confirm and agree

PG / Easy Fee Declaration & Uploads

I/ We hereby confirm that all PG merchant details are accurate. Please upload the signed Merchant Agreement and GST certificate below.

Required: Signed Agreement, Business PAN, and GST certificate.

Organization & Signatory Details

Name of the Company/Concern/Firm

Address

Business Description

GSTN No.

Incorporation Year

Account No. (Fund Debit/Credit)

Account Type

Registered Mobile Number

Corporate Email

Details of Authorised Signatories

Signatory 1 (Name)

Signatory 2 (Name)

Signatory 3 (Name)

Technical Contact & ID Setup

Tech Person Name

Tech Person Contact Number

Tech Person Email ID

Customer ID & Accounts

Customer ID

Account Nos. attached to Customer ID

Technical Specifications

UAT IP List (Comprehensive)

Production IP List (Comprehensive)

Production Port

UAT Return URL / Callback URL

Production Return URL / Callback URL

Financial APIs Subscribed

i. Fund Transfer APIs (NEFT/IMPS/RTGS/IntraBank)

ii. UPI APIs (UPI Collect)

iii. Batch Payment APIs

iv. UPI APIs (Pay-Out)

Non-Financial & Other APIs

v. Account Inquiry APIs (Balance, Statement, Limit)

vi. Payment Status Enquiry APIs

vii. VAN APIs

viii. Reconciliation APIs

Any Other APIs (Please specify)

Document Uploads

Required: Signed API Application, Tech Specs, Network Diagram.

Eligibility & Compliance Declaration

Mandatory Compliance Checklist

Customer is KYC / AML compliant and account is Active Business activity is permitted and not in the Bank's negative list API usage is for genuine business purposes with required regulatory approvals ERP / system available for API integration Static IP(s), hosting in India, and valid digital certificate provided Security controls enabled (encryption, maker–checker, secure API key management) APIs selected strictly as per business requirements

Declaration

We hereby declare that:

• The customers recommended for Connected/API Banking Services are KYC/AML compliant and their accounts are active with satisfactory conduct.

• Due diligence has been carried out and the APIs requested are for genuine business requirements only.

• The customers are not engaged in prohibited activities as per Bank guidelines, or necessary approvals have been obtained wherever applicable.

• Required documents, agreements, and technical details have been obtained and verified by the Branch.

• The Branch undertakes to periodically monitor transactions and report any suspicious activity to the appropriate authority / API Banking Section.

I confirm and agree

Customer Details

Customer Name

Account Number

Customer ID

Dealing with Us Since

Account Opened Date

Constitution of Customer

KYC Compliance Status

Customer Registered Office/Unit Address

Customer Profile

Detailed Customer Profile

Line of Activity in Detail

Customer Category Updated in CBS?

APIs Subscribed & Business Use

Net Banking Limit & Sanctioning Authority

Nature of Business & MCC (NPCI)

Business Performance - Existing

Amount (in Lakhs)

CASA (Monthly Avg Balance)

Term Deposits (TD)

Advances

Expected Business (Post Integration)

Expected Amount (in Lakhs)

CASA (Monthly Avg Balance)

Term Deposits (TD)

Advances

Partner Integration Details

Customer’s ERP Solution Name

Partner Name

Partner Website URL

Consent ID

Referral Source

Authorisation Method for Connected Banking

OTP Based Authorisation in partner platform Net Banking Login Authorisation using Net Banking credentials

Customer & Compliance

Mandatory Compliance Checklist

KYC/AML compliant and account active Satisfactory account conduct Not in prohibited business categories Genuine business requirement verified ERP/system owned by customer Static IPs (UAT & Production) provided Hosting in India confirmed Digital certificate / API key security in place APIs selected as per business need Transaction limits approved as per DOP

Declaration

We hereby declare that:

• The customers recommended for Connected/API Banking Services are KYC/AML compliant and their accounts are active with satisfactory conduct.

• Due diligence has been carried out and the APIs requested are for genuine business requirements only.

• The customers are not engaged in prohibited activities as per Bank guidelines, or necessary approvals have been obtained wherever applicable.

• Required documents, agreements, and technical details have been obtained and verified by the Branch.

• The Branch undertakes to periodically monitor transactions and report any suspicious activity to the appropriate authority / API Banking Section.

I confirm and agree

Required: Signed Application, Business/KYC Proofs.

Merchant Name

Status

Avg. TAT (End-to-End)

Days

Pending > 3 Days

Total Sanctioned

Application Timeline Detailed Report

App ID	Merchant	Type	Submission Date	Completion Date	TAT (Days)	Current Status
Loading report data...

SAKSHAM Digital Hub

Good Morning, Officer

SAKSHAM Digital Onboarding

Merchant KYC Profile

1. Verification & Inspection

2. KYC & Business Documents

3. Credit & Risk Checks

4. Compliance Confirmation

Final Declaration

Attach Onboarding Dossier

Communication Address

GST Details Same as Communication

Merchant Business Head

Authorized Signatory

Technical Head

Admin Portal Designated Person

Expenditure Calculation

Payout Setup

Pricing & Concession (DOP)

1. Account & Relationship

2. Business Due Diligence

3. Credit & Risk Assessment

4. Negative List Verification

5. Mobile & Alerts

Declaration by Branch / Office Official

Details of Authorised Signatories

Customer ID & Accounts

Document Uploads

Mandatory Compliance Checklist

Declaration

Amount (in Lakhs)

Expected Amount (in Lakhs)

Mandatory Compliance Checklist

Declaration

SAKSHAM Audit & Review

Merchant Name

Performance Reports

Application Timeline Detailed Report

SAKSHAM SERVICE SELECTION

POS Terminal

Payment Gateway

Connected Banking

API Banking