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  1. The offer starts from 15th Nov and is valid till 15th Dec.
  2. Once you registered on OKYC during the offer period, the offer pricing will apply to your account.
Pricing may be affected, subject to market changes.
You can use all Cashfree products in a single account. You can share your requirement at the time of the first call with the payment expert. Once started, if you want to activate other Cashfree products, you can talk to your Account Manager to activate the desired products on your account.
As per Cashfree’s policy we do not support drop shipping related businesses.
Once you create an account, you need to verify your email ID, update all the details, and upload the scanned copies of the required documentsOur payment expert will call you within 24 working hours of account creation to understand your requirements. Do make sure that you have updated the right contact details so that the payment expert can reach you. Your account will be activated within 24-48 working hours once all documents are verified.Using the Cashfree Test accountYou can use the test account to familiarise yourself with the dashboard and try out products and features even before going live. If you would like to try out the available integrations, you can use our Test API keys. To get the Test API Keys, go to Cashfree Merchant Dashboard > select product > credentials> test credentials.Important- Before you start transacting, you must activate your account. Click here to know more about account activation.
Join the Cashfree Partner Program and offer your clients a powerful suite of online payment products. You can integrate Cashfree with your product or refer to earn rewards.When you join Cashfree as a certified partner, you get the best in the industry commissions on every transaction your referred clients make.TABLE OF CONTENTS
  • Become a Cashfree Partner
  • Complete Partner KYC to activate the account
  • Refer or add merchants to the Cashfree partner account
    1. Refer merchants using the Cashfree Partner badge
    2. Refer merchants using the Cashfree Partner referral links
    3. Add merchants directly on your partner dashboard
  • Onboarding process of referred merchants
  • Partner commissions
    1. Calculating your commission
    2. Commission settlement process
  • Track your earnings
  • KYC-details
    1. Business details
    2. Document checklist
Become a Cashfree Partner Go to the Cashfree Partner Sign Up page, fill in all the required fields and click on RegisterOnce you sign up as a partner with Cashfree, you will get a Partner welcome email.Complete Partner KYC to activate the accountOnce you sign up as a Cashfree Partner, you will receive a Partner welcome emailYou can reply to the same email with the required business details and documents to complete the KYC process. Cashfree team will verify all the details shared by you and complete your account’s KYC to enable settlements within 48 hours of submitting all documentsPlease note: Commission settlement will be made only for accounts for which KYC has been completed.Refer merchants using the Cashfree Partner badge
  • Login to your Partner Dashboard > Summary
  • On the summary tab, click on ‘Copy Code’
  • Add this code to your website/App
You would be able to refer merchants conveniently using your ‘unique partner referral link’ added in the badgeRefer merchants using the Cashfree Partner referral links
  • Log in to your Partner Dashboard > Merchants
  • Copy your unique partner referral link and share it with your clients
Add merchants directly on your partner dashboard
  1. Navigate to Partner Dashboard > Merchants
  2. Click on ‘Add merchants’ and fill in all the required details
  3. Alternatively, you can also add details of multiple merchants instantly through the Bulk upload option. For this Download the sample CSV file by clicking on the ‘Sample file’ link Upload the details of your merchants in the same format After uploading the CSV, you would be able to see number of entries, successfully added, failed entries and also be able to download the result CSV to check the exact reason for failure
Onboarding process of referred merchantsOnce you`ve added the merchants, Cashfree will notify the merchant to accept the invite & verify their email ID. The merchant will be required to submit the business details and upload the required documents.To make the merchant onboarding quicker, you can also submit business details of your merchants and upload the required documents on your merchants’ behalf in these simple steps:
  1. Click on the Activate option shown for your merchant entries in the partner dashboard
  2. You would be directed to the merchant account activation page, where you can fill in all the required business details of your referred merchant and upload their business documents
  3. In case the merchants dont verify their mail IDs, you can also resend the verification email to them by clicking on Resend verification email’
Please note: This Activate option will only be shown for those merchants who have verified their email addressPartner commissionsBy becoming a Cashfree partner, you can offer your clients a complete suite of online payments related products to manage their entire payment lifecycle and earn lucrative commissions. There are two types of commission structures:
  1. Flat rate
  2. Percentage of the transaction value
Calculating your commissionCommission as a flat rateLets assume that youre an e-commerce automation platform and you help e-commerce businesses in converting COD orders to pre-paid. Lets say one of your clients, ABC Ltd, collects ₹10,000 using Cashfree, and you have offered Cashfrees payment gateway to your ABC Ltd. at a markup of ₹100 over Cashfree`s base rate of 3% (Minimum amount that would go to Cashfree).Transaction amount (A) Cashfree’s charge (Base rate) (B) Your markup (C) GST (D) Total amount paid by your client ₹10,000 3% (10,000*3%) = ₹300₹100 (300+100)*18% = ₹72 B+C+D = ₹472Commission as a percentage of the transaction amountLets assume you have offered Cashfrees payment gateway to ABC Ltd. at a markup of 1% instead of INR 100 over Cashfree`s base rate of 3% (Minimum amount that would go to CashfreeTransaction amount (A) Cashfree’s charge (Base rate) (B) Your markup (C) GST (D) Total amount paid by your client ₹10,000 3% (10,000*3%) = ₹3001% (10,000*1%) = ₹100 (300+100)*18% = ₹72 B+C+D = ₹472Commission settlement processIn case of Payment Gateway collections, when any customer makes a transaction on your referred merchant`s website/app and the amount is settled to Cashfree, the commission on that transaction is reflected on your partner dashboard.In case of Payout disbursals, when your referred merchant makes a payout for vendor payments, processing refunds or disbursing loans, etc., using Cashfree, the commission on that transaction is reflected on your partner dashboard.Here’s how you can initiate your commission settlement process:On the first day of every month, calculate and create an invoice for the commission amount receivable for the previous month. i.e on 1st June,2021, create an invoice for the commission receivable for May. You can obtain details of the commission from your partner dashboard The invoice you create should have your companys & Cashfrees GSTN, and amount details Send this invoice to finance@cashfree.com at the beginning of every month Please note: You will be able to claim your commission only if your partner KYC is complete and the commission structure is configured on your Cashfree partner account.In case the commission structure is not configured on your partner account, please reach out to partners@cashfree.com.Track your earnings
  1. Navigate to Partner Dashboard > Summary to check total daily transactions and daily transaction volume
Any services or products which are purchased/ offered for sale by a user to third parties from time to time, using these services. Products shall not include those banned products and services that are listed below:
  1. Adult goods and services, which include pornography and other sexually suggestive materials (including literature, imagery, and other media); escort or prostitution services.
  2. Alcohol, which includes alcohol or alcoholic beverages such as beer, liquor, wine, or champagne.
  3. Body parts, which include organs or other body parts.
  4. Bulk marketing tools, which include email lists, software, or other products enabling unsolicited email messages (spam).
  5. Cable descramblers and black boxes, which include devices intended to obtain cable and satellite signals for free.
  6. Child pornography, which includes pornographic materials involving minors.
  7. Copyright unlocking devices, which include mod chips or other devices designed to circumvent copyright protection.
  8. Copyrighted media, which includes unauthorised copies of books, music, movies, and other licensed or protected materials.
  9. Copyrighted software, which includes unauthorised copies of software, video games, and other licensed or protected materials, including OEM or bundled software.
  10. Counterfeit and unauthorised goods, which include replicas or imitations of designer goods; items without a celebrity endorsement that would normally require such an association, fake autographs, counterfeit stamps, and other potentially unauthorised goods.
  11. Cryptocurrency exchanges, platforms dealing in cryptocurrency trading.
  12. Drugs and drug paraphernalia, which include illegal drugs and drug accessories, including herbal drugs like salvia and magic mushrooms.
  13. Drug test circumvention aids, which include drug cleansing shakes, urine test additives, and related items.
  14. Endangered species, which include plants, animals, or other organisms (including product derivatives) in danger of extinction.
  15. Gaming/gambling, which includes lottery tickets, sports bets, memberships/enrollment in online gambling sites, and related content.
  16. Government IDs or documents, which include fake IDs, passports, diplomas, and noble titles.
  17. Hacking and cracking materials, which include manuals, how-to guides, information, or equipment enabling illegal access to software, servers, websites, or other protected property.
  18. Illegal goods, which include materials, products, or information promoting illegal goods or enabling illegal acts.
  19. Miracle cures, which include unsubstantiated cures, remedies, or other items marketed as quick health fixes.
  20. Offensive goods, which include literature, products, or other materials that:a) Defame or slander any person or groups of people based on race, ethnicity, national origin, religion, sex, or other factorsb) Encourage or incite violent actsc) Promote intolerance or hatred.
  21. Offensive goods, crime, which includes crime scene photos or items such as personal belongings associated with criminals.
  22. Prescription drugs or herbal drugs, which include drugs or other products requiring a prescription by a licensed medical practitioner.
  23. Pyrotechnic devices and hazardous materials, which include fireworks and related goods; toxic, flammable, and radioactive materials and substances.
  24. Regulated goods, which include airbags; batteries containing mercury; Freon or similar substances/refrigerants; chemical/industrial solvents; government uniforms; car titles or logos; license plates; police badges and law enforcement equipment; lock-picking devices; pesticides; postage meters; recalled items; slot machines; surveillance equipment; goods regulated by government or other agency specifications.
  25. Securities, which include stocks, bonds, or related financial products.
  26. Tobacco and cigarettes, which include cigarettes, cigars, chewing tobacco, and related products.
  27. Traffic devices, which include radar detectors/jammers, license plate covers, traffic signal changers, and related products.
  28. Weapons, which include firearms, ammunition, knives, brass knuckles, gun parts, and other armaments.
  29. Wholesale currency, which includes discounted currencies or currency exchanges.
  30. Live animals or hides/skins/teeth, nails, and other parts etc. of animals.
  31. Multi-level marketing collection fees.
  32. Ponzi schemes, pyramid, and chain marketing.
  33. Matrix sites or sites using a matrix scheme approach.
  34. Drop-shipped merchandise.
  35. Any product or service which is not in compliance with all applicable laws and regulations, whether federal, state, local, or international, including the laws of India.
  36. The Merchant shall not sell, purchase, provide, or exchange a cardholder’s name or MasterCard/Visa account number information in any form obtained by reason of a MasterCard/Visa Card transaction to any third party other than its MasterCard/Visa acquiring Member – Citrus Pay, or pursuant to a government/statutory or competent body’s request.
  37. Pyrotechnic devices, combustibles, corrosives, and hazardous materials, which include explosives, fireworks and related goods; toxic, flammable, and radioactive materials and substances.
The GSTIN is not mandatory for account activation, but we would recommend you to add the GST details so that you can avail of the GST benefits.
When you create an account on Cashfree, our team does a business background check including your website and app audit and verifies the details shared by you. On being satisfied, we activate your Cashfree merchant account within 24-48 hours. To speed up the account activation, please ensure that your website is live and all the following details are mentioned on the website.(Mandatory details)
  1. Terms and conditions
  2. About us
  3. Contact us (one email ID and at least one valid phone number)
  4. Privacy Policy
  5. Registered name of the business as
(Other details - based on your business model)
  1. Refund/return policy
  2. Shipping & delivery policy
  3. Product/services
  4. Pricing
Please Note: In case the Cashfree Payment Gateway has been activated and later it is found that the website does not comply with the terms and conditions, the account shall be deactivated at Cashfree’s discretion.
To complete onboarding, you must provide essential details and upload mandatory documents. The required documents may vary based on your business type but generally include:Contact Information Business PAN Business Owner PAN Business Details & Registration Documents Website Details or App Details Bank Account Details Business Owner KYC Declaration of Beneficial Ownership Signed Service Agreement Click here to know more about each document”
The required documents vary by business type. Below are the key documents needed for verification: -Individual- All of the following PAN Aadhar Card Bank Account details
  • Proprietor (with and without GSTIN) – Any one of the following: Registration Certificate from the Registrar of Companies Certificate/License under the Shops & Establishment Act or other applicable Acts Sales Tax or Income Tax Return
  • Partnership – Any one of the following: Partnership Deed Registration Certificate from the Registrar of Firms
  • Society/Trust/NGO – Any one of the following: Trust Deed Society/NGO Registration Certificate
-PVT LTD- All of the following LLP Corporation Certificate of incorporation”
The required documents vary based on your business category and sub-category. Below are some key requirements:
  • SaaS (Software as a Service) – AOC for PCI-DSS compliance
  • Food, Health & Beauty Supplements – FSSAI License
  • Education (Schools, Colleges, Training Institutes, etc.) – UGC/ICSE/CBSE/AICTE Certificate
  • Finance (Forex, Stock Brokerage, Payment Services, etc.) – Relevant regulatory approvals (e.g., FEMA Registration, SEBI Certificate, PA/PG License)
  • Jewellery Business – BIS Certificate / 916 or 925 Hallmark
  • Online Gaming – RNG Certificate (if applicable), Legal Opinion
  • Pharmacy & Drug Stores – Pharmacy License, Drug License, and compliance declarations
  • Government & Utilities – BBPS Certificate, Registration based on sub-category
  • Travel & Hospitality – IATA Certificate / IRCTC Agency Certificate
Generally, you must have either a website or an app hosted on the App Store or the Play Store.
Yes, your business must be registered in India to use Cashfree’s services.
You can sign up as an Individual. Once your business is registered, you can create a new account and register under Proprietorship or another applicable business type.
Yes, Aadhaar must be linked to your phone number. You can update your linked number via the UIDAI portal.
No, PAN is mandatory. You can register as an Individual and provide your personal PAN for account activation.
No, each business must have a separate email ID for registration and account activation.
Ideally, if you have all the documents ready, it takes you less than 5 minutes to fully finish the onboarding form.
A Quick Overview
  • We help businesses collect and disburse payments with our wide range of innovative payment solutions
  • You can start with one product or multiple products (for example, you can use Payment Gateway to accept payments on your website and use Payouts for making bulk payments.
  • You get a dedicated account manager who becomes your single point of contact.
  • You can add any number of users. Our multi-user module lets you track user actions and control access rights.
Cashfree offers a wide range of payment and banking solutions, including:Payment Gateway – Accept payments through 180+ modes, including UPI, cards, wallets, and EMI.Payouts – Send bulk payments instantly via bank transfers, UPI, wallets, and cards. Buy Now Pay Later (BNPL) Suite – Includes Cardless EMI, Debit Card EMI, Credit Card EMI, and Pay Later options.Subscription Payments – Automate recurring payments with UPI AutoPay and eNACH.Marketplace Settlement – Automatically split payments and settle vendor commissions.Secure ID- Instantly verify bank, UPI, PAN, Aadhaar, IFSC & GSTIN from a single dashboard tab.Cross Border- This product helps Merchants/Payment Aggregators/Market Places who are based outside India to collect payment from customers based out of India.One Click Checkout - Enable one-click checkout with OTP auto-fill, smart address pre-fill, and 25% faster completion.Cashgram – Accept payments without a website via shareable links or custom forms.softPOS – Turn smartphones into POS terminals to accept card payments.RiskShield – Prevent fraud with machine learning-based anomaly detection.