Payment Gateway License in Jaipur
For applicants in Jaipur, having documentation reviewed by someone who already knows the local process — not just the rules on paper — is often what separates a clean first submission from one that...
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Jaipur's growing IT and gems-and-jewellery export base, alongside its established handicraft and textile trade, has made it Rajasthan's primary hub for new business registrations. For applicants in Jaipur, having documentation reviewed by someone who already knows the local process — not just the rules on paper — is often what separates a clean first submission from one that comes back with queries.
For Jaipur-based applicants, StartRight4U handles Payment Gateway License from document preparation through to the final certificate.
What Is a Payment Gateway (Payment Aggregator) Licence?
Under RBI's guidelines on Regulation of Payment Aggregators and Payment Gateways, any non-bank entity that facilitates online merchant payments — collecting funds from customers and settling them to merchants — must hold a Payment Aggregator (PA) licence. This is the regulatory authorisation behind every third-party payment gateway processing card, UPI, and net-banking transactions on behalf of merchants in India.
Why This Licence Is Mandatory
Payment aggregators sit directly in the flow of customer money before it reaches a merchant — without RBI oversight, that intermediate custody of funds carries real risk of misuse or insolvency-related loss. The PA licence brings mandatory safeguards: a nodal or escrow account structure that ring-fences merchant settlement funds from the aggregator's own operating funds.
Eligibility Criteria for a Payment Aggregator Licence
- Registered as a company under the Companies Act, 2013
- Minimum net worth of ₹15 crore at the time of application, rising to ₹25 crore by the end of the third financial year
- A secure, PCI-DSS-compliant technology platform for handling payment data
- A board-approved policy for merchant onboarding due diligence and fraud/risk monitoring
- Promoters and directors who meet RBI's fit-and-proper criteria
Documents Required for Payment Gateway Licence
- Certificate of incorporation and Memorandum & Articles of Association
- Net worth certificate from a practicing Chartered Accountant with audited financials
- Technology and information-security architecture document, including PCI-DSS compliance evidence
- Nodal/escrow account arrangement details with a scheduled commercial bank
- Board resolution approving the PA licence application
Step-by-Step Payment Aggregator Registration Process
- Incorporate the company and build the technology platform to RBI's security and settlement specifications
- Prepare the net worth certificate and PCI-DSS compliance documentation
- Set up the mandatory escrow/nodal account with a scheduled commercial bank
- Submit the application to RBI, including the merchant due-diligence and risk-management framework
- Respond to RBI's technical and financial scrutiny of the application
- Receive the Certificate of Authorisation and go live under RBI's Payment Aggregator guidelines
Why Choose StartRight4U
StartRight4U combines regulatory experience with an end-to-end execution team — documentation, compliance 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