--- type: "solution pack" title: "Merchant Onboarding Pack — KYB API Bundle" description: "Verify and activate merchants instantly. PAN, GST, bank verification in one bundle. ONDC seller-ready, RBI compliant. Used by 500+ companies across India." slug: "merchant-onboarding-pack" category: "onboarding" canonical: "https://eps.eko.in/solutions/merchant-onboarding-pack" --- > **Canonical URL:** https://eps.eko.in/solutions/merchant-onboarding-pack > This is a machine-readable Markdown version of the page for AI agents and LLMs. The primary (HTML) version lives at the canonical URL above. # Merchant Onboarding Pack Verify, onboard, and activate merchants and sellers with a pre-built KYB workflow — PAN, GST, bank, and business checks in one bundle. _KYB + payment activation for merchants & sellers_ To get started, fill the form at https://eps.eko.in/signup (with your name, mobile number and email) or call us at +919513181707 ## APIs in this pack - [PAN Verification](https://eps.eko.in/products/pan-verification-api) ([markdown](https://eps.eko.in/products/pan-verification-api.md)) - [GST Verification](https://eps.eko.in/products/gst-verification-api) ([markdown](https://eps.eko.in/products/gst-verification-api.md)) - [Bank Verification (Penny Drop)](https://eps.eko.in/products/bank-verification-api) ([markdown](https://eps.eko.in/products/bank-verification-api.md)) - [DigiLocker Integration](https://eps.eko.in/products/digilocker-api) ([markdown](https://eps.eko.in/products/digilocker-api.md)) - [CIN Verification](https://eps.eko.in/products/cin-verification-api) ([markdown](https://eps.eko.in/products/cin-verification-api.md)) - [Name Match](https://eps.eko.in/products/name-match-api) ([markdown](https://eps.eko.in/products/name-match-api.md)) - [DIN Verification](https://eps.eko.in/products/din-verification-api) ([markdown](https://eps.eko.in/products/din-verification-api.md)) - [FSSAI License Verification](https://eps.eko.in/products/fssai-verification-api) ([markdown](https://eps.eko.in/products/fssai-verification-api.md)) - [UPI ID (VPA) Verification](https://eps.eko.in/products/upi-verification-api) ([markdown](https://eps.eko.in/products/upi-verification-api.md)) ## Trust Signals - ONDC seller-ready - RBI compliant - Reliable, high-volume workflows ## What This Pack Does Verify a merchant's identity, business, and bank account — and activate them for payments — in under 10 minutes, with zero manual document review. ## Included APIs ### [PAN Verification](https://eps.eko.in/products/pan-verification-api) **What it does:** Verify the merchant proprietor's or director's PAN and fetch identity details. **Why it matters:** First step in any KYB flow — confirms who owns the business before verifying the business itself. ### [GST Verification](https://eps.eko.in/products/gst-verification-api) **What it does:** Validate GSTIN and fetch business name, address, and filing status. **Why it matters:** GST number is the fastest way to verify a business's existence, category, and compliance standing. ### [Bank Verification (Penny Drop)](https://eps.eko.in/products/bank-verification-api) **What it does:** Confirm the merchant's settlement bank account is active and the name matches. **Why it matters:** Required before activating payment settlements — prevents fraudulent account substitution. ### [DigiLocker Integration](https://eps.eko.in/products/digilocker-api) **What it does:** Access and verify documents stored in DigiLocker, such as Aadhaar, PAN, and business registration certificates. **Why it matters:** Provides a secure and convenient way to verify documents without physical copies. ### [CIN Verification](https://eps.eko.in/products/cin-verification-api) **What it does:** Validate Company Identification Number and fetch company details from MCA. **Why it matters:** For incorporated merchants, CIN verification confirms the company is active and fetches director details — faster than manual MCA portal checks. ### [Name Match](https://eps.eko.in/products/name-match-api) **What it does:** Cross-check merchant name across PAN, GST trade name, and bank account holder. **Why it matters:** Catches mismatches that indicate fraudulent merchant registrations — the GST trade name often differs from the PAN legal name. ### [DIN Verification](https://eps.eko.in/products/din-verification-api) **What it does:** Verify the directors' DIN against the MCA register for incorporated merchants. **Why it matters:** Pairs with CIN to confirm the company's directors are genuine — standard due diligence before high-value seller payouts. ### [FSSAI License Verification](https://eps.eko.in/products/fssai-verification-api) **What it does:** Validate the FSSAI licence for food and grocery sellers. **Why it matters:** Mandatory for onboarding food merchants — confirms the licence is active and matches the registered business. ### [UPI ID (VPA) Verification](https://eps.eko.in/products/upi-verification-api) **What it does:** Resolve the merchant's UPI VPA to a valid account holder name. **Why it matters:** Confirms the collection/payout handle is live and name-matched before activating settlements. ## How It Works 1. Merchant enters mobile number — OTP authentication 2. PAN Verification — confirm proprietor identity 3. GST Verification — validate business & filing status 4. Bank Account Verification — penny-drop settlement account 5. Merchant activated for payments — instant settlement configured ## Industries Using This Pack - [Marketplaces](https://eps.eko.in/industries/marketplaces) ([markdown](https://eps.eko.in/industries/marketplaces.md)) - [E-commerce](https://eps.eko.in/industries/e-commerce) ([markdown](https://eps.eko.in/industries/e-commerce.md)) - [SaaS Platforms](https://eps.eko.in/industries/saas-platforms) ([markdown](https://eps.eko.in/industries/saas-platforms.md)) - [Accounting & Tax](https://eps.eko.in/industries/accounting-tax) ([markdown](https://eps.eko.in/industries/accounting-tax.md)) ## FAQs ### Does this pack work for ONDC seller onboarding? Yes. The Merchant Onboarding Pack is pre-validated for ONDC seller KYB requirements including GST validation, PAN verification, and bank account confirmation. ### Can I onboard unregistered merchants without GST? Yes. For sole proprietors without GST, the pack falls back to PAN + Aadhaar verification (via DigiLocker) for identity and the bank verification for payment activation. ### How fast is the penny-drop bank verification? Real-time, typically under 3 seconds. The API returns account holder name and active status in the same call. ### Is there directory lookup for business type? GST verification returns business type (proprietor, partnership, LLP, etc.), registration date, and address — no separate MCA lookup needed for most cases. ## Related Solutions - [Lending KYC Pack](https://eps.eko.in/solutions/lending-kyc-pack) — Full KYC for borrower onboarding & disbursal ([markdown](https://eps.eko.in/solutions/lending-kyc-pack.md)) - [Employee BGV Pack](https://eps.eko.in/solutions/employee-bgv-pack) — Instant background verification for employees ([markdown](https://eps.eko.in/solutions/employee-bgv-pack.md)) - [Site index](https://eps.eko.in/index.md): Full list of API products, industries, and solution packs