Merchant Onboarding & Underwriting Guide
Understanding the verification stages from sandbox testing to live direct acquiring bank activation.
Stage 1: Instant Sandbox Access
Immediately after registering on TechMights Pay, your account receives full sandbox credentials (tmp_test_key_...). You can generate test orders, test hosted checkout, simulate UPI/Card flows, and receive signed test webhooks right away.
Stage 2: KYC Documentation Submission
To prepare for live payment processing, merchants submit their legal business information and statutory verification documents through the secured merchant portal:
- Sole Proprietorship: PAN of proprietor, GST certificate or Shop & Establishment license, cancelled cheque / bank statement.
- Partnership / LLP: Partnership deed / LLP agreement, PAN of firm, registration certificate, partner KYC.
- Private Limited / Public Limited: Certificate of Incorporation, Memorandum & Articles of Association (MOA/AOA), Company PAN, GSTIN, Board Resolution for authorized signatory.
Stage 3: Acquiring Bank Approval & Direct Settlement
Our compliance team coordinates document submission with our authorized acquiring bank partners (e.g. HDFC, ICICI, Axis). Upon bank underwriting approval, your merchant account is issued an official acquiring MID, and live API credentials (tmp_live_key_...) are activated.