Create KYC Document API

The Create KYC Document API is used to create an instance to upload the KYC document (PAN Card). The access token is required on the header. For more information on getting the access token, refer to Get Token API.

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Note:

If the bank_verification_status parameter of the Get Merchant API response is unsuccessful, the Create KYC Document is used to submit the KYC details.

Authentication

The access token with the scope as refer_merchant is required on the header. For more information on getting the access token, refer to Get Token API.

Environments

The list of acceptable documents for each category: 

POI/ POA:

• Passport
• Aadhar
• Voter’s ID
• Driving Licence
• Utilities Bill (electricity, water, landline, gas connection)”(recent only) 
• Address Verification Letter from Bank

Government proof

• GST Registration Certificate 
• Udyog Aadhar Card Certificate 
• NOC by Gram Panchayat 
• TIN Certificate 
• Service Tax Registration Certificate 
• Shop & Establishment registration 

List of Acceptable Bank Proofs

The following are acceptable bank proofs ( with validations):

Passbook

• Must have your name printed 
• Must have your account number & IFSC printed 
• Must have your photograph & bank stamp 

Bank statement

• Must have your name printed 
• Must have your account number & IFSC printed 
• Mobile banking screenshots & SMS will not be considered valid 

Bank verification letter

• Must be on a bank/ your letterhead 
• Must have the sign & stamp of a bank manager 
• Must have your name, account number & IFSC 

Cancelled cheque

• Must have your name printed 
• Must have your account number & IFSC printed

The merchant ID in the request header must be included as a query parameter in the mid field.

Request parameters

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Watch it

When passing the KYC documents, make sure that the file name does not contain any spaces or special characters to avoid errors.

For example, a correct format would be AadharCard.png. Passing Aadhar Card.png or Aadhar-Card.png will result in error.

Sample request

curl --request POST \
     --url https://uat-partner.payu.in/api/v3/merchants/7349834/kyc_document \
     --header 'accept: application/json' \
     --header 'content-type: multipart/form-data' \
     --form 'merchant[document_category]=Passbook' \
     --form 'merchant[document_type]=Test' \
     --form 'merchant[processed_document]=test/api'

Sample response

{
  "merchant": {
    "mid": "8390925",
    "kyc_document_name": "PAN Card of Signing Authority",
    "kyc_document_uuid": "11ef-587e-43837330-95b0-021ec077a271",
    "kyc_document_status": "DOCUMENT_SUBMITTED",
    "error_message": null,
    "created_at": "2024-08-12T07:41:19.000Z"
  }
}