How to Get Started with Playto Pay: Complete Onboarding Guide (2026)

This is the step-by-step guide to setting up Playto Pay and collecting your first international payment — from signup through to INR in your bank account.

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Step 1: Sign Up

Go to playto.so/features/playto-pay and click "Get Started." Create your account with your business email.

What you'll need ready:

• Business email address
• PAN number
• Aadhaar number (for individual/proprietor KYB)
• Business registration documents (for companies)
• Indian bank account details

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Step 2: Complete KYB (Know Your Business)

Playto Pay conducts Indian KYB before activating your account. The KYB process verifies your identity and business.

For individual freelancers and proprietors:

• PAN card

• Aadhaar card

• Bank account (cancelled cheque or bank statement)

• Brief description of your services For private limited companies:

• Certificate of Incorporation

• MoA and AoA

• Company PAN

• Director PAN + Aadhaar

• Company bank account proof

• GST certificate (if registered) Timeline: KYB approval takes 24-72 hours.

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Step 3: Access Your Dashboard

Once KYB is approved, your Playto Pay dashboard is active. From here you can:

• View your USD/GBP/EUR/AED Virtual Bank Account details
• Generate payment links for card payments
• Set up auto-billing for recurring clients
• Download FIRA for each transaction
• View settlement history and INR credits

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Step 4: Set Up Your VBA Details

In your dashboard, find your Virtual Bank Account (VBA) details for each currency:

USD VBA (for US clients):

• Account Name: [Your company name]

• Routing Number: [9-digit routing]

• Account Number: [Account number]

• Bank: [Partner bank name] GBP VBA (for UK clients):

• Account Name: [Your company name]

• Sort Code: [6-digit sort code]

• Account Number: [8-digit account number] EUR VBA (for EU clients):

• Account Name: [Your company name]

• IBAN: [IBAN]

• BIC/SWIFT: [BIC code] AED VBA (for UAE clients):

• Account Name: [Your company name]

• IBAN: [UAE IBAN] Add these to your invoice template now. Every invoice you send going forward should include the relevant VBA details.

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Step 5: Send Your First Payment Link

For clients who prefer card payment (faster, no wire required):

1. Go to Dashboard → Payment Links → Create Link
2. Enter amount and currency (USD, GBP, EUR, AED)
3. Add a description ("Invoice #INV-2026-001 — May 2026 Retainer")
4. Copy the link
5. Include in your invoice email: "Instant card payment: [link]" Client clicks the link, enters Visa/Mastercard/Amex details, pays in under a minute. You receive a dashboard notification. FIRA auto-generated.

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Step 6: Set Up Auto-Billing for Monthly Clients

For recurring retainer clients:

1. Dashboard → Recurring Billing → New Subscription
2. Enter: client email, billing amount, billing currency, billing date (1st of month is standard)
3. Send the subscription link to your client
4. Client enters card details once
5. Auto-charged on your billing date every month
6. FIRA auto-generated per monthly charge This eliminates invoice chasing for retainer clients entirely.

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Step 7: Download Your First FIRA

After your first payment settles:

1. Dashboard → Transactions → [Select transaction]
2. Download FIRA
3. Save with the corresponding invoice: FIRA-INV-2026-001-ClientName-USD1000-May26.pdf Provide FIRA to your CA at end of quarter for GST filing and ITR documentation.

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Step 8: Confirm Your Indian Bank Settlement

Playto Pay settles INR to your registered Indian bank account daily. Check your bank account the business day after your first payment. The INR credit should appear with a reference matching your Playto Pay transaction.

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What to Do Before Your First International Invoice

• KYB approved
• VBA details saved and added to invoice template
• LUT filed on GST portal (if GST registered)
• Indian bank account confirmed in dashboard settings
• CA informed you'll be generating FIRA from Playto Pay

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FAQ

How long does Playto Pay KYB take? 24-72 hours for Indian businesses. You'll receive email confirmation once approved.

Can I start sending payment links before KYB is complete? Payment links can be created but will not process until KYB is approved. Complete KYB before sharing links with clients.

How do I know when INR has been settled? Check your Playto Pay dashboard (Transaction History → Settlements) or your Indian bank statement. Daily settlement means INR arrives the next business day after the payment.

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**📸 **Playto Pay — Start in 24-72 hours. Cards 4% flat. VBA 1%. UPI 0%. FIRA auto. ₹0 monthly fee.