post
https://test-partner.payu.in/api/v3/merchants/kyc_document/ckyc_data
Fetch CKYC Data — Step 03C of 16
Fetches CKYC identity data directly using PAN (no OTP needed). For all non-Individual/non-Sole Prop entities.
Endpoint
POST /api/v3/merchants/kyc_document/ckyc_data
Prerequisite Steps
- Step 01:
midfrom CreateMerchant response - Step 02: PAN submitted and entity type set (not Individual/Sole Prop)
Entity Applicability
Partnership, Pvt Ltd, Public Limited, LLP, Trust, Society, One Person Company, Government, NGO, Hindu Undivided Family, Local Authority, Artificial Juridical Person
Request Body (JSON)
| Parameter | Type | Required | Validation | Description |
|---|---|---|---|---|
merchant_id | string | Yes | Numeric mid | Merchant ID |
consent | boolean | Yes | Must be true | Merchant consent — mandatory for CKYC compliance |
Response (200 OK)
Returns CKYC data: name, date of incorporation, address, masked mobile.
Error Handling
| Error Code | Cause | Recovery |
|---|---|---|
422 - "Consent is required" | consent not true | Set consent to true |
422 - "CKYC record not found" | No CKYC record for this PAN | Merchant may need additional verification |
Response Fields (200 OK)
| Field | Type | Description |
|---|---|---|
ckyc_number | string | CKYC identification number from CERSAI registry |
name | string | Entity name as registered in CKYC |
father_name | string | Father's name (empty for companies) |
dob | string | Date of birth/incorporation (format: DD-MM-YYYY) |
address | string | Registered address from CKYC |
pincode | string | Pincode from CKYC |
state | string | State from CKYC |
city | string | City from CKYC |
related_persons_data | array | Related persons (directors, partners) — may be empty |
This data can be displayed to the merchant for confirmation. The ckyc_status in GetMerchant changes to success after this call.
Next Step
Proceed to Step 04 — Update merchant with business details.