Merchant Account

Learn about merchant account creation, activation, your account settings and security.

Sign Up

To create a merchant account,

  1. Visit the Cashfree website and click SIGN UP.

  2. Fill in the details and click SIGN UP.

Sign Up

Email Verification

The verification email is sent to your email provided during sign up. Click the verification link in the email.

Successfully Verified

After successful verification, sign in to the Merchant home page using your credentials.

Merchant Home Page

By default, you are in the production environment. Click SWITCH TO TEST to access the test environment.

Home Page

Account Activation

You must activate your account to access the production environment and accept payments from customers. To activate the account, you must first fill in details about your business and upload the required documents. Follow the steps below:

  1. Sign in to the Merchant home page and click ACTIVATE on the desired product.

  2. Fill in the details and click SUBMIT. These details will be sent for verification.

Information to be provided as part of the activation process:

  1. Fill in the details of your business, like, website, merchant name, and the organisation type.

Basic Details

2. Provide your registered business address.

Business Address

Step 3: Provide business details such as CIN, GSTIN, business, and PAN details.

Business Details

4. Provide the business bank details to which Cashfree settles your funds.

Bank Details

5. Upload business documents. Once you upload the required documents, click SUBMIT.

Business Documents

6. Review the details click SUBMIT to complete the activation process.

Review Details

On completion of the activation process, the status changes to "IN REVIEW" for verification.

Merchant Account Home Page

After successful verification, you can access the production environment for your business transactions.

My Account

My Account section gives you control of overall activities around your account. You can control some of the basic account settings, two-factor authentication, security preferences, configure email notifications, manage users/aliases to provide access to the dashboard and monitor login history.

Account Settings

You to view your profile information and update your password in the Account Settings section.

My Account: Account Settings

Two-Factor Authentication

Cashfree's Two-Factor Authentication is a method to confirm user claimed identities by using a combination of two different factors: Sign in password and OTP. By default, Cashfree uses SMS OTP for authentication. You can enable an alternate mechanism from the settings tab.

My Account: Two-Factor Authentication

Email Notification

The email notification feature allows you to receive updates on Cashfree product releases. You can enable or disable the notifications. Also, you can add a maximum of 5 emails to receive the updates.

My Account: Email Notification

Account Aliases/Users

You can add users to access your account, and also control the permissions.

My Account: User/Alias Access

New alias

To add a new alias,

  1. Select your product > click User/Alias > click NEW ALIAS.

  2. Provide the Username, alias Name, Country, Phone, and Password.

  3. Select the status Active or Inactive for the new alias.

  4. Click CREATE ALIAS.



You can change the status of the alias to Active or Inactive. To change the status of an alias, click the Status dropdown, and select the required status.

Alias status: Active / Inactive

Reset Password

To reset the password for an alias user,

  1. Click the reset password icon in the Password field.

  2. Provide a new password or you can auto-generate the password.


Reset Password

Delete Alias

To remove an alias, click the delete icon, then select OK in the pop-up displayed.

Edit Permission

You can manage users and control individual access to your account. You can provide explicit permissions to access Cashfree services. With product and feature level categorization, you can assign the desired set of permissions for users.

To set product level permissions,


Edit Permission

2) Select the product.

Select Product

3) Select a permission category.

Select Permission Category

4) Enable/disable permissions.

Enable/Disable Permissions

By default, the permission expiry time will be set to Never. You can set an expiry date for each permission.

Below is the detailed list of permissions for payouts:




- Create/Edit/Delete Beneficiary

- Show Beneficiaries

- Create/Edit/Delete Beneficiary Group

- View Beneficiaries Group

- Bank Account Validation


- Show Transfers

- Initiate Quick Transfer

- Initiate Bulk Transfer

- Approve Quick Transfer

- Approve Bulk Transfer

- Download Transfer Report

- Reversed Transfers

- Internal Transfer


- Show Statement

- Download Statement

- Show Balance

- Withdraw Balance

- Download Invoice


- View Cashgram

- Create Cashgram

- Deactivate Cashgram

- Initiate Cashgram

- Approve Bulk Cashgram

- View Cashgram

- Download Cashgram Report

Access Control

- View Whitelisted IPs

- Add New IP

- View App/Secret

- Create New App/Secret - Update Webhook

- View Preferences

- Update Preferences

Security Preferences

By default, the security preference feature notifies you when:

  • There is a login from a new device or browser

  • A new user alias is created

  • An existing user alias is deleted

Additionally, we recommend you to enable two-factor authentication on login made from a new device or browser.

My Account: Security Preferences


The devices tab allows you to keep a check on devices used by you and other users of your account to access the Cashfree merchant account.

My Account: Devices

Login History

The login history tab shows information regarding successful logins by you and other users added to your Cashfree merchant account.

My Account: Login History