> ## Documentation Index > Fetch the complete documentation index at: https://razorpay-881012b3.mintlify.site/llms.txt > Use this file to discover all available pages before exploring further. # Instantly Activate Sub-Merchant Accounts > Instantly activate sub-merchant accounts and enable them to start accepting customer payments before KYC submission (Razorpay Partnership).
Available in 🇮🇳 India
With our Instant Activation feature, you can cut down the account activation wait time and enable sub-merchants to start accepting customer payments immediately after signing up. ## Features With this feature: * The sub-merchants can accept payments **up to ₹15,000** without KYC completion, using Payment Gateway and/or Payment Links products. * In case of the ₹15,000 transaction volume breach, Razorpay disables payments till the KYC process is completed. There is no change in the product's status when payments are disabled. * When a sub-merchant completes their KYC, the product status moves to `under_review` and they can start accepting payments. * Razorpay settles the transaction amount only after successful KYC verification. * You can configure webhook events to receive notifications on transaction volume levels. For example, alerts are sent to the sub-merchants when their transaction volume breaches ₹12,000 and so on. ## Workflow Given below is an illustration of the workflow: Instant Activation Flow ## Webhook Events and Payloads | Event Name | Description | | ---------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------ | | `account.instant_activation_gmv_limit_warning` | Triggered after the sub-merchant's transaction volume crosses one of these levels: | ### Sample Payload: Volume Hits ₹10,000 ```json instant_activation_gmv_limit_warning theme={null} { "entity": "event", "account_id": "acc_K7UEVHASFftJfL", "event": "account.instant_activation_gmv_limit_warning", "contains": [ "acc_id", "gmv_limit", "current_gmv", "message" ], "payload": { "acc_id": "K7UEVHASFftJfL", "gmv_limit": 15000, "current_gmv": 10000, "message": "You can accept payments upto INR 5000. In order to remove this limit and settle the amount to your account, fill in the remaining details" }, "created_at": 1660911446 } ``` ### Sample Payload: Volume Breached ₹15,000 ```json instant_activation_gmv_limit_warning theme={null} { "entity": "event", "account_id": "acc_K7U7hK1PeatxIs", "event": "account.instant_activation_gmv_limit_warning", "contains": [ "acc_id", "gmv_limit", "current_gmv", "message" ], "payload": { "acc_id": "K7U7hK1PeatxIs", "gmv_limit": 15000, "current_gmv": 15200, "message": "You can no longer accept payments as you have breached the INR 15,000 limit. Kindly fill in the remaining details to re-activate your account." }, "created_at": 1660937354 } ``` ## API Response Code Changes The sub-merchant can accept payments only up to ₹15,000. When they breach this limit, Razorpay sends a description in the **Fetch a Product Configuration API** response's `requirement` parameter, urging the sub-merchant to submit the remaining details and complete KYC. ```json API Response theme={null} { "requested_configuration": [], "active_configuration": { "payment_capture": { "mode": "automatic", "refund_speed": "normal", "automatic_expiry_period": 7200 }, "settlements": { "account_number": null, "ifsc_code": null, "beneficiary_name": null }, "checkout": { "theme_color": "#FFFFFF", "flash_checkout": true }, "refund": { "default_refund_speed": "normal" }, "notifications": { "whatsapp": false, "sms": false, "email": [ "testcreateaccount4147apr@razorpay.com" ] } }, "requirements": [ { "field_reference": "business_proof_of_identification.business_pan_url", "resolution_url": "/accounts/acc_KB87VG5MDvcIpl/documents", "status": "required", "reason_code": "document_missing", "description": "You can no longer accept payments as you have breached the INR 15,000 limit. Kindly fill in the remaining details to re-activate your account." }, { "field_reference": "business_proof_of_identification.business_proof_url", "resolution_url": "/accounts/acc_KB87VG5MDvcIpl/documents", "status": "required", "reason_code": "document_missing", "description": "You can no longer accept payments as you have breached the INR 15,000 limit. Kindly fill in the remaining details to re-activate your account." }, { "field_reference": "individual_proof_of_address", "resolution_url": "/accounts/acc_KB87VG5MDvcIpl/stakeholders/sth_KB88x5dxpYtSdw/documents", "status": "required", "reason_code": "document_missing", "description": "You can no longer accept payments as you have breached the INR 15,000 limit. Kindly fill in the remaining details to re-activate your account." }, { "field_reference": "settlements.beneficiary_name", "resolution_url": "/accounts/acc_KB87VG5MDvcIpl/products/acc_prd_KB8AggJtFqqQiJ", "reason_code": "field_missing", "status": "required", "description": "You can no longer accept payments as you have breached the INR 15,000 limit. Kindly fill in the remaining details to re-activate your account." }, { "field_reference": "settlements.account_number", "resolution_url": "/accounts/acc_KB87VG5MDvcIpl/products/acc_prd_KB8AggJtFqqQiJ", "reason_code": "field_missing", "status": "required", "description": "You can no longer accept payments as you have breached the INR 15,000 limit. Kindly fill in the remaining details to re-activate your account." }, { "field_reference": "settlements.ifsc_code", "resolution_url": "/accounts/acc_KB87VG5MDvcIpl/products/acc_prd_KB8AggJtFqqQiJ", "reason_code": "field_missing", "status": "required", "description": "You can no longer accept payments as you have breached the INR 15,000 limit. Kindly fill in the remaining details to re-activate your account." } ], "tnc": { "id": "tnc_KB89LFr5vuo3GQ", "accepted": true, "accepted_at": 1661706575 }, "id": "acc_prd_KB8AggJtFqqQiJ", "product_name": "payment_gateway", "activation_status": "instantly_activated", "account_id": "acc_KB87VG5MDvcIpl", "requested_at": 1661706652 } ```