The following APIs are used to manage KYC documents:
- Info KYC Document API
- Documents Required API
- Create KYC Document
- Delete KYC Document API
- Post CKYC API
- Upload Aadhaar XML Offline API
After the bank and KYC verification, the Info KYC Document API is used to fetch the documents submitted for KYC. If the KYC verification has failed, delete the existing KYC documents in the PayU database (using the Delete KYC Document API) and then submit KYC documents (using the Create KYC Document API). Also, you can upload Aadhaar from an XML file using the Aadhaar XML Offline API.
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.
After the merchant details are verified, the following APIs are used to verify the bank details and the KYC for the merchant:
Notes:
The following verification is required for individuals or sole proprietors. For more information, refer to Create KYC Document.
| Individuals | - For individuals, merchant KYC can be done through Aadhaar or CKYC. - In case validation fails through the above two mechanisms, the merchant will have to submit document proofs ( POI, POA) |
| Sole Proprietors | For sole proprietors, merchant KYC can be done through Aadhaar or CKYC.In case validation fails through the above two mechanisms, the merchant will have to submit document proofs ( POI, POA & government certificate). |