3. Business Profile & Application
Define your operational profile, select products and payment modes, assign contacts, and create your application record.
Estimated time: 10 minutes
In this stage you define your commercial footprint, choose the JPSL products you need, and assign the people who will manage your account. Clicking Submit at the end creates your Application ID in the JPSL system.
Step 3.1 — Operational Profile
JPSL uses this information to configure fraud monitoring limits, routing rules, and server capacity for your account. Provide honest, realistic figures.
| Field | Required | Description | Example |
|---|---|---|---|
| Doing Business As (DBA) | ✅ | Your brand or trade name. This is the name that appears on your customers' bank statements and credit card bills. May differ from your legal name. | Acme Shop |
| Business Category | ✅ | Your primary industry vertical. Determines routing and compliance rules. | E-commerce |
| Annual Turnover (INR) | ✅ | Realistic estimated annual revenue. Gross under- or over-estimation triggers manual risk review. | ₹2,00,00,000 |
| Expected Daily Transactions | ✅ | Average number of payment transactions per day during normal operations. | 500 |
| Years in Business | ✅ | Number of full years your business has been operational. | 3 |
| Website / App URL | ✅ | The exact URL where JPSL payment will be integrated. Must be live and publicly accessible during review. | https://www.acmeshop.com |
| Delivery Period | ✅ | Standard fulfilment window — how long after payment a customer receives their product or service. Used in chargeback dispute resolution. | 3–5 business days |
| Refund / Return Policy Window | ✅ | Number of days within which a customer can request a return or refund. | 7 days |
| Merchant Type | ✅ | Merchant — processing for your own business. Aggregator — processing on behalf of sub-merchants. | Merchant |
⚠️ Unrealistic Business Metrics Providing highly optimistic transaction volumes or inflated turnover figures may trigger additional manual risk review, delaying your onboarding. Enter your best honest estimate.
Step 3.2 — Website & Policy Requirements
The JPSL compliance team visits your website URL during Stage 5 review. Your site must have these pages clearly accessible before approval:
- Terms & Conditions
- Privacy Policy
- Refund / Cancellation Policy
- Contact Us / Customer Support details
⚠️ Website Under Construction? You can submit your application, but it will be placed on hold until your site is live with all required policy pages. Factor this into your timeline.
Step 3.3 — Product & Payment Mode Selection
Select every product and payment method your business needs. You can request additional options after going live, but starting with the right set is faster.
| Selection | Required | Options | Notes |
|---|---|---|---|
| Products | ✅ | Payment Gateway, Payment Links, UPI Plugins | Select all that apply. Payment Gateway is for website/app checkout. Payment Links are for invoicing via SMS or email. |
| Payment Modes | ✅ | Credit Cards, Debit Cards, Net Banking, UPI, Digital Wallets, EMI | Some high-risk modes may require additional underwriting before activation. |
Step 3.4 — Contact Details
| Role | Fields Required | Notes |
|---|---|---|
| Business Contact | First Name, Last Name, Phone, Email | The primary decision-maker. Receives settlement alerts, commercial updates, and compliance notices. |
| Technical Contact | First Name, Last Name, Phone, Email | The developer or team managing API integration. Check "Same as business contact" if the same person handles both. Otherwise enter separately. |
💡 Why Two Contacts? Separating business and technical contacts ensures that API update notices and integration alerts reach your developers directly, without routing through the finance team — and vice versa.
Step 3.5 — Submit Your Application
- Review all information entered in Steps 3.1–3.4.
- Click Submit at the bottom of the page.
- A confirmation modal displays your Application ID (e.g.,
App-202604372).
📌 Save Your Application ID Note it down. You will need this ID for all correspondence with JPSL Support.
ℹ️ Your Application Is Created — But Not Yet Submitted for Review Clicking Submit here creates your application record and moves you to the Application Status Dashboard. Your status will show "Action Required", meaning you must still complete Stage 4 (Application Details) before the JPSL team begins their review. No manual review has started yet.
What Happens Next
You are redirected to the Application Status Dashboard. Proceed to complete all three sub-sections of Stage 4:
All three must show a green "Complete" badge before you can submit for review.
Updated about 9 hours ago