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Payment aggregator authorisation

A company that collects payments for merchants and settles them later needs RBI authorisation as a payment aggregator. Only companies can apply, and RBI sets minimum net-worth, governance and technology requirements.

Issued by
RBI
Law
Payment and Settlement Systems Act 2007, s.7, and RBI's directions on payment aggregators
Where to apply
rbi.org.in (PRAVAAH portal)

TaxClue does not handle this service. It is on the checklist because many of our clients need it. Raise a request and we will try to connect you with someone who can do it, where possible.

How Payment aggregator authorisation works

The usual picture. Procedures, fees and forms differ by state and authority — always check the current rules before you apply.

Who needs it

  • Online payment gateways and aggregators handling merchant funds
  • Cross-border payment aggregators for imports and exports
  • Point-of-sale aggregators for physical merchants

Documents usually asked for

  • Company incorporation documents, with payments in the objects clause
  • Audited net-worth certificate
  • Fit-and-proper declarations of directors and promoters
  • Information-security and escrow arrangements

The process

  1. Meet the net-worth threshold and set up the escrow account
  2. Apply to RBI's Department of Payment and Settlement Systems
  3. RBI scrutiny, including a system audit
  4. Authorisation granted; ongoing reporting and audits

What we can do today

The other registrations the same businesses need — these we handle end to end.

Registrations we handle

Often needed alongside Payment aggregator authorisation.

Full checklists that include it

Every registration for these industries, in order.

Read more

Our own write-ups on the subject.