Payment Gateway License in Gujarat
That growing e-commerce and digital merchant activity across Gujarat is exactly the demand a licensed payment gateway is built to serve.
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Gujarat is one of India's most NBFC-friendly states, home to Surat's textile and diamond trade, Vadodara's chemical and petrochemical industry, and major ports at Kandla and Mundra. That growing e-commerce and digital merchant activity across Gujarat is exactly the demand a licensed payment gateway is built to serve.
For companies based in Gujarat, StartRight4U handles the complete Payment Aggregator registration — PCI-DSS review, escrow setup, and the RBI application itself.
Payment Gateway Licence — What It Involves
RBI's framework for Regulation of Payment Aggregators and Payment Gateways requires any non-bank company that collects and settles online merchant payments to hold a Payment Aggregator (PA) licence. This is the authorisation that lets a business legally operate a payment gateway processing card, UPI, wallet, and net-banking transactions for merchants across India.
Why RBI Regulates This Space Closely
Because a payment aggregator briefly holds customer funds before they reach a merchant, that intermediate custody creates real exposure if the aggregator mismanages funds or becomes insolvent. The PA licence mandates an escrow or nodal account structure that keeps merchant settlement money legally separate from the aggregator's own operating funds.
Eligibility for a Payment Aggregator Licence
- Incorporated as a company under the Companies Act, 2013
- Net worth of ₹15 crore at application, growing to ₹25 crore by the third financial year-end
- A PCI-DSS-compliant technology platform capable of handling sensitive payment data securely
- Board-approved merchant onboarding, due-diligence, and fraud-monitoring policies
- Promoters and directors who satisfy RBI's fit-and-proper standard
Documents Needed for the Application
- Incorporation certificate and MOA/AOA
- CA-certified net worth statement with supporting audited accounts
- Technology and security architecture document, including PCI-DSS certification evidence
- Nodal/escrow account documentation with a scheduled commercial bank
- Board resolution approving the licence application
How Payment Aggregator Licensing Works
- Incorporate the company and build a platform meeting RBI's technology and settlement standards
- Prepare the net worth certificate and PCI-DSS compliance documentation
- Establish the required escrow/nodal account with a scheduled commercial bank
- File the application with RBI, including the merchant risk-management framework
- Go through RBI's technical and financial review
- Receive the Certificate of Authorisation and launch under RBI's PA operating guidelines
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