Check Before You Apply : The Pre-requisites

The following are the general pre-requisites to apply for a HDFC Payment Gateway;
1.Sales turnover of Rs.60 Lakhs per annum
   2. Last 2 years of profitable balance sheet
  3. HDFC current account [ Can be opened during the course of application also ]
  4. Proper manufacturing or servicing setup with office and employees etc.
  5. Products or services sold cannot include but not limited to drugs, medicines, alcohol, multilevel schemes etc.

Server Required:
1. Dedicated server with Window/Linux
2.    Root Acess
3.    Install .dll file on server

Step 1: Apply Online
The first step to get a payment gateway is to apply online. Click here to apply online. Once you have applied, we will review the application and update you with the technical and commercial details. Unless you receive a confirmation from us, please do not proceed to the documents stage.

Step 2: Verification
On meeting the basic pre-requisites, you will be verified for the following but not limited to;
Location and Business Verification like office premises, sign boards, invoices, customers etc.
Your company's existence for at least last 2 years with profit balance sheet and a sales turnover of 60 lakhs per annum.

Website must contain;
Domain Whois must contain your correct contact details
Terms and Conditions
Privacy Policy
Cancellation and Refund Policy
About Us
Shopping cart with Customer Registration
SSL
Product Catalog
Type of Product
Server Security Testing [ This is important and a detailed PCI Scan / verification is done. ]

Step 3: Documents & Other Requirements
For most of the payment gateways, the documents required are almost the same, except few variations. Extra documents or credentials are required to be submitted if request by the Bank.
1. Commercial Documents
2. Technical Documents
 
Commercial Documents Required For Payment Gateways

If Sole Proprietor

1. Proof of proprietorship
2. ID Docs of the proprietor
3. Ecommerce Agreement
4. Risk Monitoring Acceptance in the company letter head
5. Charge Back Dispute & Acceptance in the company letter head
6. Balance sheet for the past 2 years duly signed by your auditor
7. Profit / Loss Account for the past 2 years duly signed by your auditor

If Partnership

1. ID Docs of Authorised Partners as specified in the partnership Auth letter
2. Photocopy of the partnership deed
3. Company Pan no
4. Ecommerce Agreement
5. Risk Monitoring Acceptance in the company letter head
6. Charge Back Dispute & Acceptance in the company letter head
7. Balance sheet for the past 2 years duly signed by your auditor
8. Profit / Loss Account for the past 2 years duly signed by your auditor

If Private Limited

1. Copy of ID proof of all the directors with " Company For Seal and Signature of all the directors "
Any one of the following is accepted as ID proof;

1. Voters ID
2. Pan Card
3. Drivers License
4. Passport

2. MOA and AOA documents along with Certificate of Incorporation. If certificate of incorporation is not included in MOA or AOA, it can be provided separately.
3. If all the directors are not mentioned in MOA or AOA, then Form 32 must be provided for directors who are not mentioned in the MOA or AOA.
4. All the directors must sign the Ecommerce Agreement and Board Resolution in each page with For Seal of the company.
5. Risk Monitoring Acceptance in the company letter head
6. Charge Back Dispute & Acceptance in the company letter head
7. Balance sheet for the past 2 years duly signed by your auditor
8. Profit / Loss Account for the past 2 years duly signed by your auditor

Training
Your employees must be trained on using and following Payment Gateway Best Practices as mentioned in the HDFC manual. Fraud monitoring systems and methods must be in place and your employees must be trained in them.
Logistics / Proof Of Delivery Documentation for handling Charge Back Disputes.

Step 4: Testing Payment Gateway in Sandbox Interface. Once you receive the test kit from HDFC, you can host in your Payment Gateway Hosting Account and test with the Sandbox URL. Please note that

Step 5: On successful completion of the Sandbox testing, you will be provided with live kit from HDFC, which has to be hosted to integrate with your shopping cart.