0. Acceptable KYC documents Golden Gate (GG) app KYC guidelines
How to do customer KYC?
Acceptable KYC documents
Golden Gate (GG) app
KYC guidelines

1. KYC - Know Your Customer
Know your customer (KYC) is the process of a business, identifying and verifying the identity of its customer
Importance of KYC:
A mandatory document as per regulations of the Government
Regulations of the RBI Guidelines for any company that deals with money of customers
Reason for KYC is to prevent identity theft, financial fraud, money laundering and terrorist financing

2. KYC – Required Proof of Identity/Address
Driving Licence
Passport
Aadhaar Card
NREGA Card
Voter ID

3. What is GG App and what is it used for?
Introduction to GG App
What is GG App and what is it used for?
GG App is also know as the Golden Gate App.
It is used for completing KYC process.

4. How to log in to your GG App?B
GG App
Login
How to log in to your GG App? 1
Choose your preferred language from Choose your Language option, here we have selected English 2
Enter your Paytm registered mobile no. & password 2 3
Click on Login 3 1

5. Forgot password? Reset itC
GG App
Password Reset
Forgot password? Reset it 1
Click on Forgot password on home screen below login and then enter your mobile number 2
Instructions will be sent as SMS message on the entered mobile number with a link, click on the link to reset password 3 2 3
Enter new password and re enter for confirmation and click Proceed 1

6. Accepting Terms & Conditions to access GG App
Accept T&C
Accepting Terms & Conditions to access GG App 1
Upon first login, one needs to accept the T&C to be able to access the GG app 1

7. How to log out of your GG App?E
GG App
Logout
How to log out of your GG App? 1
Once you have logged in, click on Profile to view your profile details 2
Click on Sign Out under profile 2 1

8. How to do KYC? KYC can be done in 2 ways:
Process
How to do KYC?
KYC can be done in 2 ways:
i) Non-Biometric or Paper KYC
In this process merchant’s details would be uploaded manually into the app. No electronic device is required. It would take maximum 72 hours for the process to successfully complete. Once it shows as success on GG app, merchants wallet gets upgraded to prime from basic.
ii) Biometric or eKYC
For eKYC, Adhar card is mandatory and also biometric device is required to finish the process. On GG app merchant’s Adhar no. needs to be submitted followed by taking his thumb impression through the device. Upon succesful completion of the process merchant’s wallet gets instantly updated.

9. How to do paper KYC – Step 1i
Non-Biometric A
T&C
How to do paper KYC – Step 1 1
Click on Start new option on the home screen to start the process of a new KYC 2 2
Enter customer’s mobile number 3 3
Choose KYC option 4 4
Click on Proceed 1
It is mandatory for the customer to have a Paytm wallet in order to be on-boarded

10. How to do paper KYC– Step 2i
Non-Biometric A
T&C
How to do paper KYC– Step 2 5
Scroll down the Terms & Conditions section 5 6
Click on Accept option at the end 7 8 7
Paytm Code will be sent to customer’s mobile number through sms 6 8
Enter Paytm Code and click on Confirm which will be considered as customer’s consent
Paytm Code is sent to customer’s mobile
What should you do if Paytm code is not received on customer’s mobile?

11. What needs to be done if customer hasn’t received OTP?
KYC i A
Non-Biometric
T&C
What needs to be done if customer hasn’t received OTP? 1 3 2
Click on Pay option on Paytm App home screen 2
Click on See Instant Paytm Payment OTP 3
Use Instant Paytm Payment OTP instead of Paytm Code 1

12. Error at the time of OTP validation
KYC i
Non-Biometric
Error at the time of OTP validation
Upon clicking on confirm this error will show up if you attempt to process KYC for a customer whose consent has not been captured previously 1 2
Process to capture consent has been explained in next slide

13. How to capture customer’s consent for KYCi
Non-Biometric
How to capture customer’s consent for KYC 1
Open Paytm App on
customer’s mobile 2
Tap on Upgrade for free to raise KYC request 2 1
These steps are required for capturing intent of any customer
Only after this consent, leads can be created in GGApp

14. How to capture customer’s consent for KYCii
Non-Biometric
How to capture customer’s consent for KYC 7 4 3
Click on Don’t have Adhar card? 4
Now select any one from the list of documents which customer can provide , here we have selected Passport 5 5
Enter the Number mentioned on the document followed by Name on the document and if Expiry Date is an option enter that 6
Now select I agree Terms & Conditions 3 6 7
Upon successful submission You will be able to see this screen. Now continue on GG App
These steps are required for capturing consent of any customer
Only after this consent, leads can be created in GGApp

15. How to do paper KYC – Step 3i
Non-Biometric B
Filling form
How to do paper KYC – Step 3 11 9
Click on the new lead created 9
Click on Complete KYC using other documents 10 10 11
Upload customer’s photo, enter customer’s mobile no. from the drop down select the type of document e.g: Passport, driving license and then upload front and back photo of the document

16. How to do paper KYC – Step 4i
Non-Biometric B
iii
Fill form
How to do paper KYC – Step 4 12
Fill in customer’s date of birth 12 13
Select gender from drop down 13
15b 14
Enter customer’s ID, if any 14 15
Select Yes if customer has a PAN card 15
Select No if customer does not have PAN card
15a
15a
15b
On selecting No, pop up will come click Ok 16 16
Enter the PAN number

17. How to do paper KYC – Step 4i
Non-Biometric B
iii
Fill form
How to do paper KYC – Step 4 17 21
From the drop down select customer’s Marital Status 17 18
From the drop down select customer’s Profession 18 19
Enter customer’s Mother’s first & last name 19 20
Select from Father’s Name or Spouse’s Name(applicable if married) here we have selected Father’s Name 22 21
Enter Father’s first & last name 20 22
Click Next

18. How to do paper KYC – Step 5i
Non-Biometric B
Fill form
How to do paper KYC – Step 5 23
Upload the photo of filled KYC form 23 24
Upload the photo of customer’s signature 27 24 25
Make sure it’s on Version1.4 25 26
Click on Submit 27
Read the pop up and click Ok. Make sure not to switch of your mobile phone or sign out from GG App 26

19. How to do paper KYC – Step 6i
Non-Biometric C
Checking KYC status
How to do paper KYC – Step 6 28
If the images are still not submitted the status will read as Submitting Images, click on it on the status to read details 28 29
Upon clicking on the status, pop up will show, read instruction & click Ok 29

20. How to do paper KYC – Step 6i
Non-Biometric C
Checking KYC status
How to do paper KYC – Step 6 30
Click on the refresh button to sync images as directed in the pop up 30 31 31
Once images are submitted KYC status would read as Submitted 32
Within 72hrs the KYC process would complete and KYC status would read as Success and customer’s wallet would get successfully upgraded

21. eKYC Devices – OTG Supportii
Biometric A
Requirements
eKYC Devices – OTG Support
1. Check Mobile Specifications Online
2. Install OTG? app
Example: check your mobile specifications on GSM arena. Typically if OTG support is available, it is called out explicitly.

22. eKYC Devices Morpho Mantra-tech (Unlocked)ii
Biometric A
Requirements
eKYC Devices
Morpho
Mantra-tech (Unlocked)
Supports Android v4.0 – 6.0.1
Phone should have nin battery level of 20%
Phone with OTG support
Supports Android v4.2.2 – 6.0.1
Phone should have nin battery level of 15%
Phone with OTG support
Make sure you take OTG micro-USB connector along with device

23. KYC i
Biometric A
T&C
How to do eKYC – Step 1 1
Click on Start new option on the home screen to start the process of a new KYC 2 2
Enter customer’s mobile number 3 3
Choose KYC option 4 4
Click on Proceed 1
It is mandatory for the customer to have a Paytm wallet in order to be on-boarded

24. How to do eKYC– Step 2 i Scroll down the Terms & Conditions section
Biometric A
T&C
How to do eKYC– Step 2 5
Scroll down the Terms & Conditions section 5 6
Click on Accept option at the end 7 8 7
Paytm Code will be sent to customer’s mobile number through sms 6 8
Enter Paytm Code and click on Confirm which will be considered as customer’s consent
Paytm Code is sent to customer’s mobile
What should you do if Paytm code is not received on customer’s mobile?

25. What needs to be done if customer hasn’t received OTP?
KYC i A
Biometric
T&C
What needs to be done if customer hasn’t received OTP? 1 3 2
Click on Pay option on Paytm App home screen 2
Click on See Instant Paytm Payment OTP 3
Use Instant Paytm Payment OTP instead of Paytm Code 1

26. Error at the time of OTP validation
KYC i
Biometric
Error at the time of OTP validation
Upon clicking on confirm this error will show up if you attempt to process KYC for a customer whose consent has not been captured previously 1 2
Process to capture consent has been explained in next slide

27. How to capture customer’s consent for KYCi
Biometric
How to capture customer’s consent for KYC 1
Open Paytm App on
customer’s mobile 2
Tap on Upgrade for free to raise KYC request 2 1
These steps are required for capturing consent of any customer
Only after this intent, leads can be created in GGApp

28. How to capture customer’s consent for KYCii
Biometric
How to capture customer’s consent for KYC 7 4 3
Click on Don’t have Adhar card? 4
Now select any one from the list of documents which customer can provide , here we have selected Passport 5 5
Enter the Number mentioned on the document followed by Name on the document and if Expiry Date is an option enter that 6
Now select I agree Terms & Conditions 3 6 7
Upon successful submission You will be able to see this screen. Now continue on GG App
These steps are required for capturing intent of any customer
Only after this consent, leads can be created in GGApp

29. How to do eKYC – Step 3 ii Click on the new lead createdB
Biometric
Adhar details
How to do eKYC – Step 3 9
Click on the new lead created 9 10 10
Enter Customer’s Aadhaar number 11 11
Click on Proceed

30. How to do eKYC – Step 4 ii Click on activate sensor
Biometric
Capture fingerprint
How to do eKYC – Step 4 12
Click on activate sensor 14 13
Click on OK to allow the device 13
Click on OK to provide necessary permission 14 12
In case sensor does not flash light after activating sensor then connect sensor again

31. KYC ii C
Biometric
Capture fingerprint
How to do eKYC – Step 5 15
Ask the customer to place index finger on the scanner 16
If the finger print is captured correctly you will see this on screen 16 15
In case you get an error try 1. Cleaning the sensor 2. Try scanning different finger 3. Cross check Aadhar number

32. KYC ii D
Biometric
Confirm Adhar details
How to do eKYC – Step 6 17
Cross check the information with the customer 17 18
If details are correct click on Confirm button 18

33. How to do paper KYC – Step 4i
Non-Biometric B
iii
Fill form
How to do paper KYC – Step 4 19
Fill in customer’s date of birth 19 20
Select gender from drop down 20
22b 21
Enter customer’s ID, if any 21 22
Select Yes if customer has a PAN card 22
Select No if customer does not have PAN card
22a
22a
22b
On selecting No, pop up will come click Ok 23 23
Enter the PAN number

34. How to do paper KYC – Step 4i
Non-Biometric B
iii
Fill form
How to do paper KYC – Step 4 24 28
From the drop down select customer’s Marital Status 24 25
From the drop down select customer’s Profession 25 26
Enter customer’s Mother’s first & last name 26 27
Select from Father’s Name or Spouse’s Name(applicable if married) here we have selected Father’s Name 29 28
Enter Father’s first & last name 27 29
Click Next

35. How to do paper KYC – Step 5i
Non-Biometric B
Fill form
How to do paper KYC – Step 5 30
Upload the photo of filled KYC form 30 31
Upload the photo of customer’s signature 31 32
Make sure it’s on Version1.4 32 33
Click on Submit, upon successful submission wallet will be instantly upgraded 33

36. POA Guidelines A Section Guidelines Accepted Rejected POI/POA
KYC gudelines A
POA Guidelines
POA Guidelines
Section
Guidelines
Accepted
Rejected
POI/POA
1) Only acceptable is Aadhaar, DL, Passport, Voter Card, NREGA Job Card ü
2) Pic/Click should be from original POI/POA
3) Picture clicked from xerox, mobile/laptop screenshot will be rejected
4) Details(Name, Serial No, DOB, Address, Nationality, Expiry Date) should be legible
5) Photo on POI/POA should be recognizable
6) Photo on POI/POA should match with photographs of wallet holder(customer) clicked through GGApp
7) Expired POI/POA will be rejected

37. Customer Photo uploaded on app
KYC gudelines B
Accepted photo format
Customer Photo uploaded on app
Acceptable Photos
Unacceptable Photos
Photo of Telco Forms
Cropped from POA
Photo taken of passport photo
Landscape Photo

38. Unacceptable Documents
KYC gudelines C
Acceptable Documents
Acceptable Documents
Unacceptable Documents
Overwriting
Mobile Screenshot
Passport photo pasted
Xerox of document
Document not captured completely

39. KYC Form Guidelines D Keep the KYC form readily available with you
KYC guidelines D
Form guidelines
KYC Form Guidelines
Guidelines
Accepted
Rejected
Remarks
1) Mobile Number mentioned on KYC form should be as per leads created through GGApp ü
2) Customer signature(mandatory)
This should match with signature on POI/POA(if the POI/POA submitted carries customer signature)
KYC Forms with Initials/Short signature will get rejected
Signatures in other languages(Urdu/vernacular) will be accepted
Thumb impression will be accepted
3) Place should be mentioned(mandatory)
4) Date should be mentioned(mandatory)
Keep the KYC form readily available with you
Mobile, Signature, Date and Place should be clearly mentioned in the space provided
KYC form to be returned to the customer as acknowledgement slip

40. Thank you!