{"id":16019,"date":"2026-08-14T10:42:43","date_gmt":"2026-08-14T05:12:43","guid":{"rendered":"http:\/\/10.10.164.133\/?p=16019"},"modified":"2026-08-14T10:42:44","modified_gmt":"2026-08-14T05:12:44","slug":"what-is-video-kyc-merchant-onboarding","status":"publish","type":"post","link":"https:\/\/payu.in\/blog\/what-is-video-kyc-merchant-onboarding\/","title":{"rendered":"What Is Video KYC? How It Works for Merchant Onboarding"},"content":{"rendered":" <div id=\"ez-toc-container\" class=\"ez-toc-v2_0_77 custom_toc counter-hierarchy ez-toc-counter ez-toc-transparent ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/payu.in\/blog\/what-is-video-kyc-merchant-onboarding\/#What_is_Video_KYC\" >What is Video KYC?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/payu.in\/blog\/what-is-video-kyc-merchant-onboarding\/#Why_Video_KYC_matters_for_merchant_onboarding\" >Why Video KYC matters for merchant onboarding<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/payu.in\/blog\/what-is-video-kyc-merchant-onboarding\/#How_a_Video_KYC_flow_works\" >How a Video KYC flow works<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/payu.in\/blog\/what-is-video-kyc-merchant-onboarding\/#Documents_merchants_should_keep_ready\" >Documents merchants should keep ready<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/payu.in\/blog\/what-is-video-kyc-merchant-onboarding\/#Common_reasons_Video_KYC_gets_delayed\" >Common reasons Video KYC gets delayed<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/payu.in\/blog\/what-is-video-kyc-merchant-onboarding\/#Privacy_and_security_checks\" >Privacy and security checks<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/payu.in\/blog\/what-is-video-kyc-merchant-onboarding\/#How_merchants_can_avoid_resubmission_cycles\" >How merchants can avoid resubmission cycles<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/payu.in\/blog\/what-is-video-kyc-merchant-onboarding\/#Internal_onboarding_ownership\" >Internal onboarding ownership<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/payu.in\/blog\/what-is-video-kyc-merchant-onboarding\/#How_PayU_can_support_onboarding\" >How PayU can support onboarding<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/payu.in\/blog\/what-is-video-kyc-merchant-onboarding\/#Accept_Online_Payments_with_Indias_Trusted_Payment_Gateway\" >Accept Online Payments with India&#8217;s Trusted Payment Gateway<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/payu.in\/blog\/what-is-video-kyc-merchant-onboarding\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/payu.in\/blog\/what-is-video-kyc-merchant-onboarding\/#FAQs\" >FAQs<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_Video_KYC\"><\/span><strong>What is Video KYC?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Video KYC is a digital identity-verification process where a person completes know-your-customer checks through a live, recorded, consent-based video interaction. RBI uses the term V-CIP, or Video-based Customer Identification Process, in its KYC framework. In merchant onboarding, Video KYC may be used to verify an owner, director, proprietor, authorized signatory, or other relevant person.<\/p>\n\n\n\n<p>The purpose is not just to see someone on camera. A proper Video KYC flow connects identity documents, live verification, business information, audit trail, and compliance checks. It allows onboarding to happen remotely while still giving the provider stronger confidence about who is being verified.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_Video_KYC_matters_for_merchant_onboarding\"><\/span><strong>Why Video KYC matters for merchant onboarding<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Payment providers need to know who they are enabling to collect money. Merchant accounts can be misused for fraud, prohibited categories, fake websites, money movement, or customer deception. KYC and due diligence reduce that risk for customers, banks, payment systems, and legitimate businesses.<\/p>\n\n\n\n<p>For merchants, Video KYC can speed up verification when compared with physical visits or repeated document back-and-forth. It also helps clarify identity mismatches, ownership questions, or authorization checks during onboarding. A completed Video KYC step can be one part of a broader approval process, not the only requirement.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_a_Video_KYC_flow_works\"><\/span><strong>How a Video KYC flow works<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A typical Video KYC flow starts with consent and identity capture. The user joins through an official link, confirms details, shows documents where required, answers verification questions, and completes face or liveness checks. The verifier may compare the person on video with submitted identity information and business records.<\/p>\n\n\n\n<p>The system may also capture timestamp, location signals where applicable, device data, session recording, and verification outcome. The exact process depends on the provider, regulated entity, customer type, current rules, and onboarding policy.<\/p>\n\n\n\n<p>Merchants should use only official links and communication channels. If a request seems suspicious, they should verify with the provider before sharing documents or joining a call.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Documents_merchants_should_keep_ready\"><\/span><strong>Documents merchants should keep ready<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Preparation reduces failed sessions. Depending on business type and provider requirements, merchants may need PAN, Aadhaar or other officially valid documents, GST details where applicable, business registration proof, bank proof, address proof, board resolution or authorization letter and authorized signatory details.<\/p>\n\n\n\n<p>The person joining the session should be the person whose identity is being verified. The business website or app should also match the declared business activity. If the website shows one product category but documents describe another, onboarding may need additional review.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Common_reasons_Video_KYC_gets_delayed\"><\/span><strong>Common reasons Video KYC gets delayed<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Video KYC can fail or get delayed because of poor internet, bad lighting, mismatch between submitted details and document details, expired documents, unclear images, wrong authorized person joining, incomplete business information, or inconsistent website claims.<\/p>\n\n\n\n<p>Merchants can avoid many issues by checking document names, address details, business category, bank proof, and contact information before the session. They should also keep refund policy, terms, privacy policy, product pages, and support contact details updated on the website.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Privacy_and_security_checks\"><\/span><strong>Privacy and security checks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Video KYC involves sensitive personal and business information. Merchants should avoid sharing documents through informal chat links or unknown phone numbers. Use official provider channels, check email domains, and avoid uploading documents to unverified forms.<\/p>\n\n\n\n<p>Internally, businesses should limit who handles KYC documents. Store copies only where required, avoid forwarding them unnecessarily, and keep an audit trail of what was submitted. Good document hygiene protects both the merchant and the customer ecosystem.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_merchants_can_avoid_resubmission_cycles\"><\/span><strong>How merchants can avoid resubmission cycles<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Many onboarding delays come from small inconsistencies. The business name on documents may not match the application. The bank account may belong to a different entity. The website may be incomplete. The refund policy may be missing. The person attending Video KYC may not be authorized to act for the business.<\/p>\n\n\n\n<p>Merchants can reduce resubmission by checking all identity, bank, website, and business-category details before starting the process. If the business has multiple brands, domains, or product lines, explain the relationship clearly. If a director, proprietor, or authorized signatory has changed, update internal records before submitting documents.<\/p>\n\n\n\n<p>Support and finance teams should know who owns onboarding responses. When a provider asks for clarification, a slow internal handoff can delay activation even if the merchant has the right documents. Treat onboarding as a project with an owner, checklist, and response timeline.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Internal_onboarding_ownership\"><\/span><strong>Internal onboarding ownership<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Video KYC usually involves multiple teams: founders or directors, finance, compliance, operations, and sometimes engineering. The merchant should decide who owns document collection, who attends the session, who answers provider questions, and who confirms that the website or app matches the submitted business details.<\/p>\n\n\n\n<p>This is especially important for businesses with multiple entities or brands. A payment provider may need clarity on which entity sells, which domain collects payments, and which bank account receives settlements. Preparing this mapping before Video KYC reduces repeated clarification requests.<\/p>\n\n\n\n<p>Merchants should also keep a record of the completed session outcome, pending asks, and submitted files. That record helps teams respond quickly if the provider requests a follow-up clarification.<\/p>\n\n\n\n<p>If the onboarding timeline is important for a campaign or product launch, start Video KYC preparation early. Verification delays are easier to manage before marketing, sales, and customer commitments depend on the payment account going live.<\/p>\n\n\n\n<p>Merchants should keep customer-facing claims conservative until onboarding is complete. Do not advertise payment methods, settlement behaviour, or go-live dates as final until the provider confirms approval and setup readiness.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_PayU_can_support_onboarding\"><\/span><strong>How PayU can support onboarding<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>PayU supports Indian businesses with merchant payment onboarding, <a href=\"https:\/\/payu.in\/payment-gateway\/\">payment gateway<\/a>, checkout, payment modes, settlements, refunds, reporting, and integrations. Video KYC or other verification steps may be part of onboarding depending on merchant type, category, and current requirements.<\/p>\n\n\n\n<p>Approval, payment-mode availability, documentation, settlement terms, and pricing can vary by merchant category and PayU review. Merchants should follow the latest official PayU onboarding instructions and submit accurate information.<\/p>\n\n\n    <section style=\"--cs-cta-bg:#EAEFEC;--cs-cta-object-fit:contain;--cs-cta-image-width:100%;--cs-cta-image-height:auto;\" class=\"cs-cta-banner cs-cta-banner--image-right cs-cta-banner--position-bottom cs-cta-banner--padding-m wp-block-custom-snippets-cta-banner\" aria-labelledby=\"cs-cta-heading-1\">\n        <div class=\"cs-cta-banner__container\">\n            <div class=\"cs-cta-banner__inner\" style=\"background:#EAEFEC;\">\n                <div class=\"cs-cta-banner__top-row\">\n                    <div class=\"cs-cta-banner__content\">\n                                                    <h2 id=\"cs-cta-heading-1\" class=\"cs-cta-banner__heading\"><span class=\"ez-toc-section\" id=\"Accept_Online_Payments_with_Indias_Trusted_Payment_Gateway\"><\/span>Accept Online Payments with India&#8217;s Trusted Payment Gateway<span class=\"ez-toc-section-end\"><\/span><\/h2>\n                                                                            <div class=\"cs-cta-banner__description\">\u2714 Fast &amp; Simple Business Onboarding<br>\u2714 Trusted by 5 Lakh+ Businesses Across India<br>\u2714 Accept 150+ Payment Methods<br>\u2714 Easy API &amp; Plugin Integrations<br>\u2714 Real-Time Payment Dashboard<\/div>\n                                                <div class=\"cs-cta-banner__buttons\"><span class=\"cs-cta-banner__button-wrap\"><a class=\"cs-cta-banner__button cs-cta-banner__button--dark\" href=\"https:\/\/onboarding.payu.in\/app\/account\/signup\">Get Started<\/a><\/span><\/div>                                            <\/div>\n                                    <\/div>\n                            <\/div>\n        <\/div>\n    <\/section>\n    \n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Video KYC helps payment providers verify merchant identity remotely while maintaining due diligence. Merchants can complete it more smoothly by preparing documents, ensuring website consistency, using official channels, and understanding that verification is one part of the broader onboarding process.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span><strong>FAQs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1786682946803\"><strong class=\"schema-faq-question\"><strong>What is Video KYC in simple words?<\/strong><\/strong> <p class=\"schema-faq-answer\">It is a remote identity-verification process completed through an official live video interaction with document and compliance checks.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1786682958540\"><strong class=\"schema-faq-question\"><strong>Is Video KYC mandatory for every merchant?<\/strong><\/strong> <p class=\"schema-faq-answer\">Not always. Requirements depend on provider policy, merchant category, business structure, risk review, and current rules.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1786682968324\"><strong class=\"schema-faq-question\"><strong>Who should attend merchant Video KYC?<\/strong><\/strong> <p class=\"schema-faq-answer\">The owner, proprietor, director, authorized signatory, or person requested by the provider should attend with matching documents.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1786682979106\"><strong class=\"schema-faq-question\"><strong>Can Video KYC be completed from a phone?<\/strong><\/strong> <p class=\"schema-faq-answer\">Often yes, if the provider supports it and the phone has a camera, microphone, stable internet, and document visibility.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1786682993286\"><strong class=\"schema-faq-question\"><strong>What should merchants avoid during Video KYC?<\/strong><\/strong> <p class=\"schema-faq-answer\">Avoid unofficial links, unclear documents, wrong representative attendance, inconsistent business details, and unsupported product claims.<\/p> <\/div> <\/div>\n ","protected":false},"excerpt":{"rendered":"<p> What is Video KYC? Video KYC is a digital identity-verification process where a person completes know-your-customer checks through a live, recorded, consent-based video interaction. RBI uses the term V-CIP, or&#8230; <\/p>\n","protected":false},"author":92,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_cs_disable_global_cta_banner":false,"_cs_disable_global_sticky_cta":false,"_cs_sticky_cta_enabled":false,"_cs_sticky_cta":{"heading":"","description":"","buttons":[]}},"categories":[902],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Is Video KYC? Meaning, V-CIP Flow &amp; Merchant Onboarding<\/title>\n<meta name=\"description\" content=\"Learn what Video KYC means, how V-CIP works, and why verified identity checks matter during merchant payment onboarding.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/payu.in\/blog\/what-is-video-kyc-merchant-onboarding\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Is Video KYC? Meaning, V-CIP Flow &amp; Merchant Onboarding\" \/>\n<meta property=\"og:description\" content=\"Learn what Video KYC means, how V-CIP works, and why verified identity checks matter during merchant payment onboarding.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/payu.in\/blog\/what-is-video-kyc-merchant-onboarding\/\" \/>\n<meta property=\"og:site_name\" content=\"PayU Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/PayUind\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-08-14T05:12:43+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-14T05:12:44+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/10.10.164.133\/wp-content\/uploads\/2026\/08\/payu_video_kyc_merchant_onboarding_og.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Akshay Chavan\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"What Is Video KYC? 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