RegGuard AI | RBI Merchant Onboarding & Compliance Engine

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Regulatory Context: RBI Merchant Onboarding Embargo

Following strict Payment Aggregator (PA) guidelines, major aggregators faced an embargo affecting ~80% of new SME merchant signups (~60,000/month). RegGuard AI automates 100% of RBI PA compliance verification, website policy audits, and risk scoring to maintain an auditable, zero-leakage pipeline ready for instant activation.

Merchant Verification Input

Test merchant risk evaluation with preset archetypes or custom data

Quick Load Preset Scenario

Merchant Legal Name

Business Category Code

Business Vintage (Months)

GSTIN Registration

PAN Identifier

Merchant Website URL

AI Scraping & Policy Verification Signals

Privacy Policy Terms of Service Refund / Cancellation Policy Grievance Officer Details SSL HTTPS Security NSDL Bank Account Match Prohibited Goods Detected Sanction / PEP Match

RBI Compliance Risk Index (CRI)

92 Compliance Score

APPROVED & EMBARGO-READY

Complies 100% with RBI Payment Aggregator Guidelines. Staged for 1-Click Mass Activation upon embargo lift.

Explainable AI Feature Contributions (SHAP Values) XGBoost Ensemble

RBI PA Guideline Compliance Matrix

1. Merchant Due Diligence & KYC 100% Automated
2. NSDL PAN / Bank Name Matching Penny Drop Verified
3. Web Policy Audit (Refunds, Grievances) Scraped via NLP Crawler
4. Prohibited Merchant Goods Filter DistilBERT NLP Classifier
5. Regulatory Audit Log Generation SHAP Signed Logs

Bank Co-Branding Routing Pipeline

During the PA embargo, pre-verified merchants are routed via scheduled commercial bank partner gateways (HDFC, ICICI, Axis) to maintain business continuity.

[Partner Bank Gateway Route] GET /api/v1/bank-gateway/sub-merchant-status Header: Authorization: Bearer rbi_audited_jwt_token Response: { "bank_routing_id": "HDFC-PA-SUB-9941", "merchant_status": "BANK_CLEARANCE_ACTIVE", "embargo_override_flag": true, "daily_limit_inr": 5000000 }

Self-Service AI Compliance Remediation Advisor

SME Guidance Module

When merchants fail policy audits (Amber score), RegGuard AI provides code snippets and HTML templates so merchants can fix compliance gaps in minutes.

Post-Embargo Mass Activation Engine

Simulate instant batch onboarding for 57,480 pre-verified SMEs the moment RBI lifts the aggregator embargo.

Progress: 0 / 57,480 0 / sec

Ready to launch batch activation pipeline.