RBI ne Payment Aggregators ki bandh diye kaan! KYC aur Capital ke naye niyam

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AuthorRiya Kapoor|Published at:
RBI ne Payment Aggregators ki bandh diye kaan! KYC aur Capital ke naye niyam
Overview

Yaar, Reserve Bank of India (RBI) ne Payment Aggregators (PAs) ke liye game change kar diya hai. Ab se unhein merchants ko onboard karne ke liye CKYCR (Central KYC Records Registry) use karna compulsory hai, aur capital requirements bhi kaafi badha diye gaye hain. Plus, cross-border payments ka scene bhi change ho raha hai.

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RBI ne Payment Aggregators (PAs) ke liye rules ekdum tight kar diye hain. Sabse bada change ye hai ki ab PAs ko merchants ko onboard karne ke liye CKYCR ko primary tool banana padega. Matlab, banks par nirbhar rehne ke bajaye, PAs ko khud merchants ka verification karna hoga. Isse system aur secure hoga aur money laundering jaise shady kaam rokne mein help milegi.

Iske saath hi, RBI ne capital ki demand bhi badha di hai. Jo non-bank PAs hain, unko application ke time ₹15 crore ka minimum net worth dikhana padega. Aur approval ke 3 saal ke andar yeh ₹25 crore tak pahunchana hoga. Yeh bade capital requirements, specially chote PAs ke liye, ek bada challenge banega. Experts keh rahe hain ki isse market mein consolidation ho sakta hai, matlab badi companies choti ko acquire kar sakti hain.

Ab ek aur interesting update! Cross-Border Payment Aggregators (PA-CBs) ab Liberalised Remittance Scheme (LRS) ke through zyada transactions handle kar payenge. Yeh travel, education, medical needs aur e-commerce ke liye faydemand hoga. Lekin ek twist hai: PAs direct kisi individual ka LRS limit check nahi kar sakte, unko yeh confirm karne ke liye banks se poochhna padega. Isse thode delays ho sakte hain.

Yeh naye rules PAs ke operating costs ko seedha badhayenge. Strict KYC, escrow accounts manage karna, aur transaction monitoring ke liye new tech mein investment karna padega, jisse profits par pressure aayega. Chote merchants ke liye bhi KYC ke rules thode tough ho gaye hain. CKYCR ka use data standardize karne ke liye accha hai, lekin integration issues bhi aa sakte hain. PAs person-to-person money transfers bhi nahi kar payenge.

RBI ka yeh update, jo shayad September 2025 tak final ho jayega, payments industry ko do hisso mein baant dega. Jo PAs zyada compliance cost handle kar payenge aur CKYCR integration mein successful honge, woh market share badha lenge. Chote players ko dikkat ho sakti hai. Merchants ke liye, new merchants ki full KYC ki deadline January 1, 2026 hai, aur existing merchants ke liye September 15, 2026 hai. Yeh dates yaad rakhne wali hain.

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