Razorpay rejected you. PayU wants more documents. Cashfree says your business type isn't supported.
Your business is legitimate. The problem is the process — and we know how to get around it.
You're not the problem. Their internal risk systems are. Here are the most common reasons — and none of them mean you can't accept payments.
Razorpay and PayU want 6–12 months of business history. If your GST or company registration is recent, you get auto-rejected before anyone even reads your application.
Digital services, coaching, dropshipping, supplements, travel, gaming — these categories get flagged automatically. Your business is fine. Their risk model isn't built for you.
Website URL doesn't match business name. Bank account in personal name. GST state different from address. Small mismatches cause instant rejection with no explanation.
Missing refund policy, no contact page, no terms of service, checkout page looks incomplete. Razorpay's bot scans your site and rejects before a human sees it.
Sole proprietors, freelancers, and unregistered businesses get deprioritised. Even if you have a bank account and GST, some gateways won't activate without company registration.
Applied once, got rejected. Applied again — still rejected. Payment gateways share rejection data. Each failed application makes the next one harder. Stop reapplying and switch routes.
We don't reapply to the same gateway that rejected you. We find the right route for your specific situation and get it live in 48 hours.
InstaMojo, Paytm for Business, and PhonePe Business have significantly lower rejection rates than Razorpay and PayU. We handle the application, document preparation, and integration for you.
No application. No approval. No waiting. We integrate UPI directly into your website or WhatsApp order flow using QR codes and payment links — customers pay instantly via any UPI app.
If you need to accept payments from outside India — Payoneer, Wise, or a Delaware entity setup gives you full international payment capability without Indian gateway restrictions.
Why keep reapplying to the same gateway that already said no?
| Feature | Razorpay / PayU | Our Solution |
|---|---|---|
| New business (< 6 months) | ✗ Usually rejected | ✓ Accepted |
| Digital / coaching business | ✗ High-risk flagged | ✓ Accepted |
| Sole proprietor / freelancer | ✗ Often rejected | ✓ Accepted |
| UPI payments | ✓ | ✓ |
| Cards + net banking | ✓ | ✓ |
| International payments | ✗ Not supported | ✓ Available |
| Time to go live | 2–6 weeks (if approved) | 48 hours |
| Approval guarantee | ✗ No | ✓ We find what works |
Need to send payment links to clients. Don't have a company. Can't get Razorpay. UPI integration works immediately for you.
Shopify or WooCommerce store, launched in last 6 months, gateway application rejected. We get you a working checkout in 48 hours.
Selling courses, workshops, or digital products. Education/digital is flagged by Razorpay. We've dealt with this exact problem before.
Running a dropshipping store on Shopify or WooCommerce. Payment gateway blocking your launch. We know exactly which route to take.
Indian freelancer or agency with foreign clients who need to pay you. Indian gateways don't support foreign cards well. We fix this properly.
Life coaches, fitness trainers, therapists — services seen as "unregulated" by payment gateways. We've gotten alternative solutions working for these.
Pay once. We set it up. You accept payments forever.
Four steps. 48 hours. Done.
Tell us which gateway rejected you, your business type, and what you're selling. We assess the best route in under an hour.
We identify exactly why you were rejected and which alternative solution fits your business — UPI, alternate gateway, or international setup.
We handle all documentation, application, and technical integration. You don't touch any paperwork or code.
Your website or WhatsApp flow starts accepting payments within 48 hours. Test it yourself before we close the project.
Every day without a payment gateway is a day your business loses money.
WhatsApp us right now — tell us what happened and we'll tell you exactly what to do next. Free consultation.
💬 WhatsApp Us Now — Free Consultation