Payment Gateway License in Arunachal Pradesh
As online commerce grows across Arunachal Pradesh, merchants increasingly depend on licensed payment aggregators to collect and settle payments safely and compliantly.
₹6,00,000 / Excl. GST
10,000+
Happy Customers
500+
CA & Lawyers
20+
Offices
★★★★★
“Excellent compliance support and seamless Trademark Registration. Pricing is transparent, and the team is always available when needed. Truly dependable service.”
— Amit Gupta
Arunachal Pradesh's hilly, sparsely connected terrain means formal bank branch density remains among the lowest in India — a gap that has historically been filled by informal lenders charging steep, unregulated rates. As online commerce grows across Arunachal Pradesh, merchants increasingly depend on licensed payment aggregators to collect and settle payments safely and compliantly.
StartRight4U helps applicants based in Arunachal Pradesh build a technology-compliant Payment Aggregator application — net worth documentation, escrow structuring, and RBI liaison included.
Understanding the Payment Gateway (PA) Licence
RBI's Payment Aggregator regulations require every non-bank entity that facilitates and settles online merchant payments to be licensed as a Payment Aggregator. Without this authorisation, a company cannot legally run a payment gateway handling card, UPI, or net-banking transactions on behalf of merchants in India.
The Reason This Licence Exists
A payment aggregator temporarily holds customer money on its way to a merchant — an exposure point RBI regulates closely to prevent misuse or loss in the event of financial distress. The PA licence requires a dedicated escrow or nodal account that keeps merchant settlement funds separate from the aggregator's own operating capital at all times.
Eligibility Criteria
- Incorporation under the Companies Act, 2013
- Minimum net worth of ₹15 crore at the time of application, reaching ₹25 crore by the end of year three
- A technology platform certified to PCI-DSS standards for handling payment data
- Board-approved due-diligence and fraud-monitoring policies for merchant onboarding
- A promoter and director group that clears RBI's fit-and-proper screening
Documents to Prepare
- Certificate of incorporation, MOA and AOA
- Chartered Accountant-certified net worth certificate with audited financials
- Technology and information-security architecture document with PCI-DSS evidence
- Escrow/nodal account arrangement details with a scheduled commercial bank
- Board resolution authorising the PA licence application
The Application Process, Step by Step
- Incorporate the company and build the platform to RBI's technology and settlement requirements
- Assemble the net worth certificate and PCI-DSS compliance documentation
- Set up the mandatory escrow/nodal account with a scheduled commercial bank
- Apply to RBI with the merchant risk-management and due-diligence framework
- Work through RBI's technical and financial scrutiny
- Receive the Certificate of Authorisation and go live under RBI's Payment Aggregator norms
Why Choose StartRight4U
StartRight4U combines regulatory experience with an end-to-end execution team — documentation, technical review, and direct liaison on your application — so you're not navigating the process alone.
- Dedicated specialists, not a generic filing service
- Clear, upfront documentation checklist — no last-minute surprises
- Direct support through queries and clarifications during review
- Transparent pricing with no hidden charges