# 2026 Document collection for India accounts

## Document collection for India accounts
The Reserve Bank of India (RBI) has updated [KYC requirements](https://rbidocs.rbi.org.in/rdocs/notification/PDFs/169MD.PDF) for all payment service providers operating in India. To continue using Stripe, India accounts must provide additional business information and documents. These requirements apply to every payment provider in India—they aren't specific to Stripe or to your account.
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## Who needs to complete document collection?
Stripe is releasing document collection requirements in batches.
**Existing accounts**: If you have an active Stripe account in India, you'll see additional KYC requirements in your Dashboard, or Stripe Support will contact you by email. These additional KYC requirements must be completed by the posted deadline. If you don't complete your KYC requirements by the deadline, Stripe will restrict your account until they’re met.
**New accounts**: If you're currently setting up a Stripe account in India, you'll be asked to provide this information as part of the onboarding process. You must complete these KYC requirements to be onboarded on Stripe and accept payments.
The verification process has two steps:
1. Document collection. Submit your business and identity documents through Stripe.
1. Video KYC. Once your documents are verified, we'll send you a link to schedule a short video call with a Stripe representative.
This article covers document collection. Read more about Video KYC for India onboarding.
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## What you'll need to provide
The documents and information required depend on your business type. Use the table below to see what applies to you, then find your business type in the sections below for more details.
- Requirement
- Individual
- Sole Proprietorship
- Company
- Partnership / LLP
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- Annual business turnover
- ✓
- ✓
- ✓
- ✓
---
- Business activity proof
- —
- ✓
- —
- —
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- Proof of Authorization
- —
- —
- ✓
- ✓
---
- Senior Management / Partner details
- —
- —
- ✓
- ✓
---
- Beneficial Owner attestation
- —
- —
- ✓
- ✓
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- Registration documents
- —
- —
- ✓
- ✓
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- Proof of Business Address
- —
- ✓
- ✓
- ✓
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### All accounts
Annual business turnover
You'll need to declare your annual business turnover from a dropdown and upload a supporting document.
Accepted documents:
* Annual GST Return
* Annual ITR (Income Tax Return)
* Audited Financial Statements
If you haven’t filed a GST return or ITR because your business has been operating for less than 12 months or your business’s income is below the mandatory filing threshold, you can self-declare this instead of uploading a document.
---
### Sole Proprietorships
In addition to annual business turnover, sole proprietors must provide:
1) **Business activity proof**
You’ll need to provide two registered business IDs, and a corresponding proof document for each ID. If you've already submitted your GST return or ITR as your annual turnover document, you need to provide one more business ID and its corresponding proof document.
Accepted business IDs and documents:
* Udyam Registration Certificate
* IEC (Import Export Code) Certificate
* CST / VAT / GST Certificate
* Certificate or licence issued by municipal authorities under the Shops and Establishments Act
* Certificate issued by Sales Tax / Service Tax / Professional Tax authorities
* Complete Income Tax Return
2) **Proof of Business Address**
If the address on your business activity proof documents doesn't match the address you provided to Stripe, you'll be asked to upload a proof of business address.
Accepted documents for proof of business address:
* Property or Municipal tax receipt in the legal entity name
* Utility bill not older than 2 months in the legal entity name - electricity/water/gas/wifi/postpaid phone bill
* Rented Address: Rental agreement and utility bill in the owner name.
* GST certificate
* Letter of allotment of accommodation issued by relevant approved authorities
* Pension or family pension payment orders (PPOs) issued to retired employees by Government Departments or Public Sector Undertakings
---
### Companies
In addition to annual business turnover, companies must provide:
1) **Proof of Authorization**
Upload a document confirming that your account representative is authorized to operate the Stripe account on behalf of the business. The document must name the account representative.
Accepted documents:
* [Letter of Authorization](https://b.stripecdn.com/verifications/assets/Stripe_India_Letter_of_Authorization_Companies.pdf)
* [Board Resolution](https://b.stripecdn.com/verifications/assets/Stripe_India_Board_Resolution.pdf)
* Power of Attorney
2) **Senior Management details**
Provide the name and designation of senior management personnel—members of the core management team, excluding the Board of Directors, who are one level below executive directors, including functional heads (for example, CEO, COO, CFO). You'll self-attest that the list is complete.
No document upload is needed for this requirement.
3) **Beneficial Owner attestation**
List all individuals who own 10% or more of the business or exercise significant control. For each person, provide their full name, designation, PAN (or passport in case of a foreign national), and ownership percentage. You'll self-attest that the list is accurate and complete.
No document upload is needed for this requirement.
4) **Registration documents**
Stripe will attempt to retrieve your Certificate of Incorporation, Memorandum of Association, and Articles of Association directly from the Ministry of Corporate Affairs (MCA) using your Corporate Identification Number (CIN).
If retrieval is successful, you don't need to upload these documents. If Stripe is unable to retrieve your documents, you'll receive a notification in your Dashboard with instructions to upload them directly.
5) **Proof of Business Address**
If the business address on your MCA records doesn't match the address you provided to Stripe, you'll be asked to upload a proof of business address.
Accepted documents for proof of business address:
* Property or Municipal tax receipt in the legal entity name
* Utility bill not older than 2 months in the legal entity name - electricity/water/gas/wifi/postpaid phone bill
* Rental agreement and utility bill in the owner's name (for rented premises)
* GST certificate
* Letter of allotment of accommodation issued by relevant approved authorities
* Pension or family pension payment orders (PPOs) issued to retired employees by Government Departments or Public Sector Undertakings
---
### Partnerships and LLPs
In addition to annual business turnover, partnerships and LLPs must provide:
1) **Proof of Authorization**
Upload a Letter of Authorization (or)
* [Template for Registered partnerships](https://b.stripecdn.com/verifications/assets/Stripe_India_Letter_of_Authorization_Registered_Partnerships.pdf)
* [Template for Unregistered partnerships](https://b.stripecdn.com/verifications/assets/Stripe_India_Letter_of_Authorization_Unregistered_Partnerships.pdf)
Power of Attorney authorizing your account representative
2) **Partner details**
* Provide the name and designation of all partners. You'll self-attest that the list is complete.
* No document upload is needed for this requirement.
3) **Beneficial Owner attestation**
* List all individuals who own 10% or more or exercise significant control, and self-attest that the list is accurate and complete.
* No document upload is needed for this requirement.
4) **Registration documents**
Stripe attempts to retrieve your Certificate of Registration / Incorporation and Partnership Deed from the MCA using your LLPIN.
If retrieval is successful, you don't need to upload these documents. If Stripe is unable to retrieve your documents, you'll receive a notification in your Dashboard with instructions to upload them directly.
5) **Proof of business address**
If the business address on your MCA records doesn't match the address you provided to Stripe, you'll be asked to upload a proof of business address.
Accepted documents for proof of business address:
* Property or Municipal tax receipt in the legal entity name
* Utility bill not older than 2 months in the legal entity name - electricity/water/gas/wifi/postpaid phone bill
* Rental agreement and utility bill in the owner's name (for rented premises)
* GST certificate
* Letter of allotment of accommodation issued by relevant approved authorities
* Pension or family pension payment orders (PPOs) issued to retired employees by Government Departments or Public Sector Undertakings
## FAQ
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### What if my account representative doesn't have an Indian PAN?
If your account representative isn't an Indian national and doesn't have an Indian PAN number, you can declare this by checking a box below the PAN field during onboarding. You can proceed without entering a PAN number. This applies to Companies and Partnerships / LLPs.
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### What happens after I submit?
Stripe will review your submitted documents. You'll receive updates as the review progresses. Once your documents are verified, you'll receive an email with a link to schedule your Video KYC session.
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### Is document collection the same as Video KYC?
No. Document collection and Video KYC are separate requirements. Document collection comes first. Once Stripe has verified your documents, we’ll send you a link to schedule a Video KYC session. Read our guide on Video KYC for India accounts.
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### What happens if my account is restricted?
If restrictions are applied due to incomplete verification, they'll be lifted automatically once your verification is complete.
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### Who do I contact for help?
For any questions, reach out to [Stripe Support](https://support.stripe.com/contact/login) or contact your Stripe account executive.
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### Related articles
[Acceptable Document List](https://docs.stripe.com/acceptable-verification-documents?country=IN)
How can I open a Stripe account in India? : Stripe: Help & Support
Video KYC for India Onboarding