What the KYC checks are for
A gambling account is an easy place to pass someone else’s money through and call it winnings. The checks exist so we do not become that place. They also exist so a stolen UPI does not empty into a fresh account and out again before the owner notices.
PAN, photo and address proof
- PAN, because it is the Indian tax identity most payouts can be matched against.
- A photo of you, recent, not a cropped wedding picture from 2014 if we cannot see the face.
- Address proof: a bank statement, a utility bill, or another document that carries the name and the address.
- Sometimes the payment method itself, such as a screenshot of the VPA profile that shows the name. Not the OTP. Never the OTP.
Withdrawals that pause for a check
A deposit and a withdrawal with almost no play. A card or VPA in a different name. Several accounts using one device. A sudden jump in size. Third-party payments. We can ask questions, hold the funds, and in some cases return them to the source rather than pay them out. We do not explain every internal flag in public, because that list becomes a guide for the next person trying to slip past it.
Use your own name and UPI
Use your own money. Use your own name. Do not let a friend “run a balance” through you. If a check is open, sending the file once, clearly photographed, is faster than sending four dark corners of a PAN card. The desk writes back on the same ticket.
After you send KYC documents
The hold stays until the name on the document, the name on the account and the name on the VPA read as one person. If we send the money back to the source instead of paying it out, the ticket says so. Questions about that hold go to the desk, with the UTR. They do not go to a number that texted you first. The wider list of what we keep, and for how long, is on the privacy page.