Learnजानिए

How we screen merchants

Every rupee that reaches a partner of Ishani Pay comes from a merchant that our desk has checked first. Partners should never have to wonder who is on the other side of a payment, so screening happens before routing, not after a problem.

What we check before a merchant goes live

• Registration and ownership. Company documents, the people who control the business and where it actually operates.
• What they sell. We accept ordinary online businesses: digital goods, education, subscriptions, marketplaces. Gambling, adult content, unlicensed lending and anything that breaks Indian law are declined.
• Payment history. Refund and dispute rates with previous providers. A history of frequent chargebacks is a reason to decline.
• Expected volume. Average ticket, peak hours and monthly turnover, so we can spread payments across partners without pushing any account above its ceiling.

While the merchant is live

Each payment carries an order reference that our desk matches automatically. Unusual patterns, such as repeated identical amounts, sudden spikes or many payments from one payer, pause routing for that merchant until a person on the desk reviews them.

What this means for you

You receive payments only from merchants that passed these checks, inside your chosen windows and under your limits. If a payment ever looks wrong to you, do not confirm it: message your manager, and we take it from there.