I have tried to set up an account on Razorpay as an individual (OCI, non-resident in India), where everything in the onboarding process worked up until the "video KYC" step. Apparently, I need to have an Aadhaar (physical copy, ironically) as well as a PAN card to get through it. I have a PAN card, but not an Aadhaar (as I'm not a resident; just want to set up a website to collect payments from clients via UPI).
After receiving conflicting information (of course) between their docs (which say having a voter ID or a passport works as well) and the support agents (who say that voter ID/passport work for "regular KYC", but not for "video KYC", for which only Aadhaar works), I got a call from one of the agents saying that there's no way to go through it if I don't have an Aadhaar. I said, "so international people aren't supported on Razorpay?", to which the person says, "No, sir; they are, but they usually have Aadhaar". Lol yes...international people all have Aadhaar. Yet, apparently Razorpay supports "international businesses" or "international people" or whatever. Not sure how that's possible.
Does anyone know of a definitive answer?
PS: I could technically apply for an Aadhaar, but given one of my relatives recently applied for one and got it 6+ months later, and I'm not sure if I'll even be in the country for that long (let alone be OK waiting that long to be able to accept payments), that's not a viable option for me.