diff --git a/backend/.env.testing b/backend/.env.testing
new file mode 100644
index 0000000000..254a18d342
--- /dev/null
+++ b/backend/.env.testing
@@ -0,0 +1,2 @@
+DB_CONNECTION=sqlite
+DB_DATABASE=:memory:
diff --git a/backend/app/DomainObjects/Generated/AccountRazorpayPlatformDomainObjectAbstract.php b/backend/app/DomainObjects/Generated/AccountRazorpayPlatformDomainObjectAbstract.php
index 3960e87e87..495c029800 100644
--- a/backend/app/DomainObjects/Generated/AccountRazorpayPlatformDomainObjectAbstract.php
+++ b/backend/app/DomainObjects/Generated/AccountRazorpayPlatformDomainObjectAbstract.php
@@ -15,6 +15,7 @@ abstract class AccountRazorpayPlatformDomainObjectAbstract extends \HiEvents\Dom
     final public const RAZORPAY_ACCOUNT_ID = 'razorpay_account_id';
     final public const STATUS = 'status';
     final public const RAZORPAY_ACCOUNT_DETAILS = 'razorpay_account_details';
+    final public const ONBOARDING_DATA = 'onboarding_data';
     final public const ACTIVATED_AT = 'activated_at';
     final public const CREATED_AT = 'created_at';
     final public const UPDATED_AT = 'updated_at';
@@ -25,6 +26,7 @@ abstract class AccountRazorpayPlatformDomainObjectAbstract extends \HiEvents\Dom
     protected ?string $razorpay_account_id = null;
     protected string $status = 'created';
     protected array|string|null $razorpay_account_details = null;
+    protected array|string|null $onboarding_data = null;
     protected ?string $activated_at = null;
     protected ?string $created_at = null;
     protected ?string $updated_at = null;
@@ -38,6 +40,7 @@ public function toArray(): array
                     'razorpay_account_id' => $this->razorpay_account_id ?? null,
                     'status' => $this->status ?? null,
                     'razorpay_account_details' => $this->razorpay_account_details ?? null,
+                    'onboarding_data' => $this->onboarding_data ?? null,
                     'activated_at' => $this->activated_at ?? null,
                     'created_at' => $this->created_at ?? null,
                     'updated_at' => $this->updated_at ?? null,
@@ -100,6 +103,17 @@ public function getRazorpayAccountDetails(): array|string|null
         return $this->razorpay_account_details;
     }
 
+    public function setOnboardingData(array|string|null $onboarding_data): self
+    {
+        $this->onboarding_data = $onboarding_data;
+        return $this;
+    }
+
+    public function getOnboardingData(): array|string|null
+    {
+        return $this->onboarding_data;
+    }
+
     public function setActivatedAt(?string $activated_at): self
     {
         $this->activated_at = $activated_at;
diff --git a/backend/app/Http/Actions/Accounts/Razorpay/UpdateRazorpayBusinessStageAction.php b/backend/app/Http/Actions/Accounts/Razorpay/UpdateRazorpayBusinessStageAction.php
new file mode 100644
index 0000000000..f2d665c584
--- /dev/null
+++ b/backend/app/Http/Actions/Accounts/Razorpay/UpdateRazorpayBusinessStageAction.php
@@ -0,0 +1,43 @@
+<?php
+
+namespace HiEvents\Http\Actions\Accounts\Razorpay;
+
+use HiEvents\Http\Requests\Accounts\Razorpay\RazorpayBusinessStageRequest;
+use HiEvents\Services\Application\Handlers\Account\Payment\Razorpay\UpdateRazorpayBusinessStageHandler;
+use HiEvents\Services\Application\Handlers\Account\Payment\Razorpay\DTO\UpdateRazorpayBusinessStageDTO;
+use HiEvents\Services\Application\Handlers\Account\Payment\Razorpay\DTO\RegisteredAddressDTO;
+use Illuminate\Http\JsonResponse;
+
+class UpdateRazorpayBusinessStageAction
+{
+    public function __construct(
+        private readonly UpdateRazorpayBusinessStageHandler $handler
+    ) {
+    }
+
+    public function __invoke(RazorpayBusinessStageRequest $request, int $accountId): JsonResponse
+    {
+        $dto = new UpdateRazorpayBusinessStageDTO(
+            accountId: $accountId,
+            email: $request->validated('email'),
+            phone: $request->validated('phone'),
+            legalBusinessName: $request->validated('legalBusinessName'),
+            businessType: $request->validated('businessType'),
+            contactName: $request->validated('contactName'),
+            registeredAddress: new RegisteredAddressDTO(
+                street1: $request->validated('registeredAddress.street1'),
+                street2: $request->validated('registeredAddress.street2'),
+                city: $request->validated('registeredAddress.city'),
+                state: $request->validated('registeredAddress.state'),
+                postalCode: $request->validated('registeredAddress.postalCode'),
+                country: $request->validated('registeredAddress.country'),
+            ),
+            pan: $request->validated('pan'),
+            gst: $request->validated('gst'),
+        );
+
+        $response = $this->handler->handle($dto);
+
+        return response()->json($response->toArray());
+    }
+}
diff --git a/backend/app/Http/Actions/Accounts/Razorpay/UpdateRazorpaySettlementStageAction.php b/backend/app/Http/Actions/Accounts/Razorpay/UpdateRazorpaySettlementStageAction.php
new file mode 100644
index 0000000000..4893618ee1
--- /dev/null
+++ b/backend/app/Http/Actions/Accounts/Razorpay/UpdateRazorpaySettlementStageAction.php
@@ -0,0 +1,33 @@
+<?php
+
+namespace HiEvents\Http\Actions\Accounts\Razorpay;
+
+use HiEvents\Http\Requests\Accounts\Razorpay\RazorpaySettlementStageRequest;
+use HiEvents\Services\Application\Handlers\Account\Payment\Razorpay\UpdateRazorpaySettlementStageHandler;
+use HiEvents\Services\Application\Handlers\Account\Payment\Razorpay\DTO\UpdateRazorpaySettlementStageDTO;
+use HiEvents\Services\Application\Handlers\Account\Payment\Razorpay\DTO\SettlementDTO;
+use Illuminate\Http\JsonResponse;
+
+class UpdateRazorpaySettlementStageAction
+{
+    public function __construct(
+        private readonly UpdateRazorpaySettlementStageHandler $handler
+    ) {
+    }
+
+    public function __invoke(RazorpaySettlementStageRequest $request, int $accountId): JsonResponse
+    {
+        $dto = new UpdateRazorpaySettlementStageDTO(
+            accountId: $accountId,
+            settlement: new SettlementDTO(
+                accountNumber: $request->validated('settlement.accountNumber'),
+                ifscCode: $request->validated('settlement.ifscCode'),
+                beneficiaryName: $request->validated('settlement.beneficiaryName'),
+            )
+        );
+
+        $response = $this->handler->handle($dto);
+
+        return response()->json($response->toArray());
+    }
+}
diff --git a/backend/app/Http/Actions/Accounts/Razorpay/UpdateRazorpayStakeholderStageAction.php b/backend/app/Http/Actions/Accounts/Razorpay/UpdateRazorpayStakeholderStageAction.php
new file mode 100644
index 0000000000..2505ccfdf6
--- /dev/null
+++ b/backend/app/Http/Actions/Accounts/Razorpay/UpdateRazorpayStakeholderStageAction.php
@@ -0,0 +1,41 @@
+<?php
+
+namespace HiEvents\Http\Actions\Accounts\Razorpay;
+
+use HiEvents\Http\Requests\Accounts\Razorpay\RazorpayStakeholderStageRequest;
+use HiEvents\Services\Application\Handlers\Account\Payment\Razorpay\UpdateRazorpayStakeholderStageHandler;
+use HiEvents\Services\Application\Handlers\Account\Payment\Razorpay\DTO\UpdateRazorpayStakeholderStageDTO;
+use HiEvents\Services\Application\Handlers\Account\Payment\Razorpay\DTO\StakeholderDTO;
+use HiEvents\Services\Application\Handlers\Account\Payment\Razorpay\DTO\ResidentialAddressDTO;
+use Illuminate\Http\JsonResponse;
+
+class UpdateRazorpayStakeholderStageAction
+{
+    public function __construct(
+        private readonly UpdateRazorpayStakeholderStageHandler $handler
+    ) {
+    }
+
+    public function __invoke(RazorpayStakeholderStageRequest $request, int $accountId): JsonResponse
+    {
+        $dto = new UpdateRazorpayStakeholderStageDTO(
+            accountId: $accountId,
+            stakeholder: new StakeholderDTO(
+                name: $request->validated('stakeholder.name'),
+                email: $request->validated('stakeholder.email'),
+                residentialAddress: new ResidentialAddressDTO(
+                    street: $request->validated('stakeholder.residentialAddress.street'),
+                    city: $request->validated('stakeholder.residentialAddress.city'),
+                    state: $request->validated('stakeholder.residentialAddress.state'),
+                    postalCode: $request->validated('stakeholder.residentialAddress.postalCode'),
+                    country: $request->validated('stakeholder.residentialAddress.country'),
+                ),
+                pan: $request->validated('stakeholder.pan'),
+            )
+        );
+
+        $response = $this->handler->handle($dto);
+
+        return response()->json($response->toArray());
+    }
+}
diff --git a/backend/app/Http/Requests/Accounts/Razorpay/RazorpayBusinessStageRequest.php b/backend/app/Http/Requests/Accounts/Razorpay/RazorpayBusinessStageRequest.php
new file mode 100644
index 0000000000..d9c33972a2
--- /dev/null
+++ b/backend/app/Http/Requests/Accounts/Razorpay/RazorpayBusinessStageRequest.php
@@ -0,0 +1,42 @@
+<?php
+
+namespace HiEvents\Http\Requests\Accounts\Razorpay;
+
+use Illuminate\Foundation\Http\FormRequest;
+use Illuminate\Validation\Rule;
+
+class RazorpayBusinessStageRequest extends FormRequest
+{
+    public function authorize(): bool
+    {
+        return true;
+    }
+
+    public function rules(): array
+    {
+        return [
+            'email' => ['required', 'email'],
+            'phone' => ['required', 'string', 'min:10'],
+            'legalBusinessName' => ['required', 'string', 'max:255'],
+            'businessType' => ['required', Rule::in(['partnership', 'proprietorship', 'private_limited', 'public_limited'])],
+            'contactName' => ['required', 'string', 'max:255'],
+            'registeredAddress' => ['required', 'array'],
+            'registeredAddress.street1' => ['required', 'string', 'max:255'],
+            'registeredAddress.street2' => ['nullable', 'string', 'max:255'],
+            'registeredAddress.city' => ['required', 'string', 'max:255'],
+            'registeredAddress.state' => ['required', 'string', 'max:255'],
+            'registeredAddress.postalCode' => ['required', 'string', 'max:10'],
+            'registeredAddress.country' => ['required', 'string', 'size:2', 'in:IN'],
+            'pan' => ['required', 'string', 'size:10'],
+            'gst' => ['nullable', 'string', 'max:15'],
+        ];
+    }
+
+    public function messages(): array
+    {
+        return [
+            'pan.size' => __('The PAN must be exactly 10 characters.'),
+            'registeredAddress.country.in' => __('Only Indian addresses are supported.'),
+        ];
+    }
+}
diff --git a/backend/app/Http/Requests/Accounts/Razorpay/RazorpaySettlementStageRequest.php b/backend/app/Http/Requests/Accounts/Razorpay/RazorpaySettlementStageRequest.php
new file mode 100644
index 0000000000..6d08865753
--- /dev/null
+++ b/backend/app/Http/Requests/Accounts/Razorpay/RazorpaySettlementStageRequest.php
@@ -0,0 +1,30 @@
+<?php
+
+namespace HiEvents\Http\Requests\Accounts\Razorpay;
+
+use Illuminate\Foundation\Http\FormRequest;
+
+class RazorpaySettlementStageRequest extends FormRequest
+{
+    public function authorize(): bool
+    {
+        return true;
+    }
+
+    public function rules(): array
+    {
+        return [
+            'settlement' => ['required', 'array'],
+            'settlement.accountNumber' => ['required', 'string', 'max:30'],
+            'settlement.ifscCode' => ['required', 'string', 'size:11'],
+            'settlement.beneficiaryName' => ['required', 'string', 'max:255'],
+        ];
+    }
+
+    public function messages(): array
+    {
+        return [
+            'settlement.ifscCode.size' => __('The IFSC code must be exactly 11 characters.'),
+        ];
+    }
+}
diff --git a/backend/app/Http/Requests/Accounts/Razorpay/RazorpayStakeholderStageRequest.php b/backend/app/Http/Requests/Accounts/Razorpay/RazorpayStakeholderStageRequest.php
new file mode 100644
index 0000000000..b728900893
--- /dev/null
+++ b/backend/app/Http/Requests/Accounts/Razorpay/RazorpayStakeholderStageRequest.php
@@ -0,0 +1,37 @@
+<?php
+
+namespace HiEvents\Http\Requests\Accounts\Razorpay;
+
+use Illuminate\Foundation\Http\FormRequest;
+
+class RazorpayStakeholderStageRequest extends FormRequest
+{
+    public function authorize(): bool
+    {
+        return true;
+    }
+
+    public function rules(): array
+    {
+        return [
+            'stakeholder' => ['required', 'array'],
+            'stakeholder.name' => ['required', 'string', 'max:255'],
+            'stakeholder.email' => ['required', 'email'],
+            'stakeholder.pan' => ['required', 'string', 'size:10'],
+            'stakeholder.residentialAddress' => ['required', 'array'],
+            'stakeholder.residentialAddress.street' => ['required', 'string', 'max:255'],
+            'stakeholder.residentialAddress.city' => ['required', 'string', 'max:255'],
+            'stakeholder.residentialAddress.state' => ['required', 'string', 'max:255'],
+            'stakeholder.residentialAddress.postalCode' => ['required', 'string', 'max:10'],
+            'stakeholder.residentialAddress.country' => ['required', 'string', 'size:2', 'in:IN'],
+        ];
+    }
+
+    public function messages(): array
+    {
+        return [
+            'stakeholder.pan.size' => __('The stakeholder PAN must be exactly 10 characters.'),
+            'stakeholder.residentialAddress.country.in' => __('Only Indian addresses are supported.'),
+        ];
+    }
+}
diff --git a/backend/app/Models/AccountRazorpayPlatform.php b/backend/app/Models/AccountRazorpayPlatform.php
index 7f5ba85b5d..bd0ef52ad2 100644
--- a/backend/app/Models/AccountRazorpayPlatform.php
+++ b/backend/app/Models/AccountRazorpayPlatform.php
@@ -9,11 +9,13 @@ class AccountRazorpayPlatform extends BaseModel
         'razorpay_account_id',
         'status',
         'razorpay_account_details',
+        'onboarding_data',
         'activated_at',
     ];
 
     protected $casts = [
         'razorpay_account_details' => 'array',
+        'onboarding_data' => 'array',
         'activated_at' => 'datetime',
     ];
 
diff --git a/backend/app/Repository/Eloquent/AccountRazorpayPlatformRepository.php b/backend/app/Repository/Eloquent/AccountRazorpayPlatformRepository.php
index 1052d041a6..1c0e90cfb3 100644
--- a/backend/app/Repository/Eloquent/AccountRazorpayPlatformRepository.php
+++ b/backend/app/Repository/Eloquent/AccountRazorpayPlatformRepository.php
@@ -24,6 +24,12 @@ public function findByAccountId(int $accountId): ?AccountRazorpayPlatformDomainO
         return $results->first() ?: null;
     }
 
+    public function findByRazorpayAccountId(string $razorpayAccountId): ?AccountRazorpayPlatformDomainObject
+    {
+        $results = $this->findWhere(['razorpay_account_id' => $razorpayAccountId]);
+        return $results->first() ?: null;
+    }
+
     public function updateById(int $id, array $data): bool
     {
         return (bool) $this->model
diff --git a/backend/app/Repository/Interfaces/AccountRazorpayPlatformRepositoryInterface.php b/backend/app/Repository/Interfaces/AccountRazorpayPlatformRepositoryInterface.php
index 2d99cd9233..e84a086909 100644
--- a/backend/app/Repository/Interfaces/AccountRazorpayPlatformRepositoryInterface.php
+++ b/backend/app/Repository/Interfaces/AccountRazorpayPlatformRepositoryInterface.php
@@ -8,5 +8,7 @@ interface AccountRazorpayPlatformRepositoryInterface extends RepositoryInterface
 {
     public function findByAccountId(int $accountId): ?AccountRazorpayPlatformDomainObject;
 
+    public function findByRazorpayAccountId(string $razorpayAccountId): ?AccountRazorpayPlatformDomainObject;
+
     public function updateById(int $id, array $data): bool;
 }
\ No newline at end of file
diff --git a/backend/app/Services/Application/Handlers/Account/Payment/Razorpay/DTO/RazorpayLinkedAccountDTO.php b/backend/app/Services/Application/Handlers/Account/Payment/Razorpay/DTO/RazorpayLinkedAccountDTO.php
index 48b5b9bf33..88e057bdfb 100644
--- a/backend/app/Services/Application/Handlers/Account/Payment/Razorpay/DTO/RazorpayLinkedAccountDTO.php
+++ b/backend/app/Services/Application/Handlers/Account/Payment/Razorpay/DTO/RazorpayLinkedAccountDTO.php
@@ -13,5 +13,6 @@ public function __construct(
         public readonly ?string $email,
         public readonly ?string $legalBusinessName,
         public readonly string $country = 'IN',
+        public readonly ?array $onboardingData = null,
     ) {}
 }
\ No newline at end of file
diff --git a/backend/app/Services/Application/Handlers/Account/Payment/Razorpay/DTO/UpdateRazorpayBusinessStageDTO.php b/backend/app/Services/Application/Handlers/Account/Payment/Razorpay/DTO/UpdateRazorpayBusinessStageDTO.php
new file mode 100644
index 0000000000..e3b571cd52
--- /dev/null
+++ b/backend/app/Services/Application/Handlers/Account/Payment/Razorpay/DTO/UpdateRazorpayBusinessStageDTO.php
@@ -0,0 +1,23 @@
+<?php
+
+namespace HiEvents\Services\Application\Handlers\Account\Payment\Razorpay\DTO;
+
+use HiEvents\DataTransferObjects\BaseDTO;
+
+class UpdateRazorpayBusinessStageDTO extends BaseDTO
+{
+    public function __construct(
+        public readonly int $accountId,
+        public readonly string $email,
+        public readonly string $phone,
+        public readonly string $legalBusinessName,
+        public readonly string $businessType,
+        public readonly string $contactName,
+        public readonly RegisteredAddressDTO $registeredAddress,
+        public readonly string $pan,
+        public readonly ?string $gst = null,
+        public readonly ?string $profileCategory = null,
+        public readonly ?string $profileSubcategory = null,
+    ) {
+    }
+}
diff --git a/backend/app/Services/Application/Handlers/Account/Payment/Razorpay/DTO/UpdateRazorpaySettlementStageDTO.php b/backend/app/Services/Application/Handlers/Account/Payment/Razorpay/DTO/UpdateRazorpaySettlementStageDTO.php
new file mode 100644
index 0000000000..79f03fe76d
--- /dev/null
+++ b/backend/app/Services/Application/Handlers/Account/Payment/Razorpay/DTO/UpdateRazorpaySettlementStageDTO.php
@@ -0,0 +1,14 @@
+<?php
+
+namespace HiEvents\Services\Application\Handlers\Account\Payment\Razorpay\DTO;
+
+use HiEvents\DataTransferObjects\BaseDTO;
+
+class UpdateRazorpaySettlementStageDTO extends BaseDTO
+{
+    public function __construct(
+        public readonly int $accountId,
+        public readonly SettlementDTO $settlement,
+    ) {
+    }
+}
diff --git a/backend/app/Services/Application/Handlers/Account/Payment/Razorpay/DTO/UpdateRazorpayStakeholderStageDTO.php b/backend/app/Services/Application/Handlers/Account/Payment/Razorpay/DTO/UpdateRazorpayStakeholderStageDTO.php
new file mode 100644
index 0000000000..fd526682a2
--- /dev/null
+++ b/backend/app/Services/Application/Handlers/Account/Payment/Razorpay/DTO/UpdateRazorpayStakeholderStageDTO.php
@@ -0,0 +1,14 @@
+<?php
+
+namespace HiEvents\Services\Application\Handlers\Account\Payment\Razorpay\DTO;
+
+use HiEvents\DataTransferObjects\BaseDTO;
+
+class UpdateRazorpayStakeholderStageDTO extends BaseDTO
+{
+    public function __construct(
+        public readonly int $accountId,
+        public readonly StakeholderDTO $stakeholder,
+    ) {
+    }
+}
diff --git a/backend/app/Services/Application/Handlers/Account/Payment/Razorpay/GetRazorpayLinkedAccountHandler.php b/backend/app/Services/Application/Handlers/Account/Payment/Razorpay/GetRazorpayLinkedAccountHandler.php
index 5011743838..67134e7f59 100644
--- a/backend/app/Services/Application/Handlers/Account/Payment/Razorpay/GetRazorpayLinkedAccountHandler.php
+++ b/backend/app/Services/Application/Handlers/Account/Payment/Razorpay/GetRazorpayLinkedAccountHandler.php
@@ -36,6 +36,11 @@ public function handle(int $accountId): GetRazorpayLinkedAccountsResponseDTO
         }
 
         $razorpayAccounts = $platforms->map(function (AccountRazorpayPlatformDomainObject $platform) use ($account){
+            $onboardingData = $platform->getOnboardingData();
+            if (is_string($onboardingData)) {
+                $onboardingData = json_decode($onboardingData, true) ?: null;
+            }
+
             return new RazorpayLinkedAccountDTO(
                 id: $platform->getId(),
                 status: $platform->getStatus(),
@@ -43,6 +48,7 @@ public function handle(int $accountId): GetRazorpayLinkedAccountsResponseDTO
                 email: $account->getEmail(),
                 legalBusinessName: $account->getName(),
                 country: 'IN',
+                onboardingData: $onboardingData,
             );
         });
 
diff --git a/backend/app/Services/Application/Handlers/Account/Payment/Razorpay/UpdateRazorpayBusinessStageHandler.php b/backend/app/Services/Application/Handlers/Account/Payment/Razorpay/UpdateRazorpayBusinessStageHandler.php
new file mode 100644
index 0000000000..3936a5f545
--- /dev/null
+++ b/backend/app/Services/Application/Handlers/Account/Payment/Razorpay/UpdateRazorpayBusinessStageHandler.php
@@ -0,0 +1,256 @@
+<?php
+
+namespace HiEvents\Services\Application\Handlers\Account\Payment\Razorpay;
+
+use HiEvents\DomainObjects\AccountDomainObject;
+use HiEvents\Exceptions\Razorpay\RazorpayAccountSetupException;
+use HiEvents\Exceptions\SaasModeEnabledException;
+use HiEvents\Repository\Interfaces\AccountRazorpayPlatformRepositoryInterface;
+use HiEvents\Repository\Interfaces\AccountRepositoryInterface;
+use HiEvents\Services\Application\Handlers\Account\Payment\Razorpay\DTO\UpdateRazorpayBusinessStageDTO;
+use HiEvents\Services\Application\Handlers\Account\Payment\Razorpay\DTO\CreateRazorpayLinkedAccountResponse;
+use HiEvents\Services\Infrastructure\Razorpay\RazorpayApiClient;
+use HiEvents\Services\Infrastructure\Razorpay\RazorpayClientFactory;
+use Illuminate\Config\Repository;
+use Illuminate\Database\DatabaseManager;
+use Psr\Log\LoggerInterface;
+use Razorpay\Api\Errors\BadRequestError;
+use Throwable;
+
+class UpdateRazorpayBusinessStageHandler
+{
+    public function __construct(
+        private readonly AccountRepositoryInterface $accountRepository,
+        private readonly AccountRazorpayPlatformRepositoryInterface $accountRazorpayPlatformRepository,
+        private readonly DatabaseManager $databaseManager,
+        private readonly LoggerInterface $logger,
+        private readonly Repository $config,
+        private readonly RazorpayClientFactory $razorpayClientFactory,
+    ) {
+    }
+
+    public function handle(UpdateRazorpayBusinessStageDTO $command): CreateRazorpayLinkedAccountResponse
+    {
+        if (!$this->config->get('app.saas_mode_enabled')) {
+            throw new SaasModeEnabledException(
+                __('This feature is only available in SaaS mode.')
+            );
+        }
+
+        $localAccount = $this->databaseManager->transaction(function () use ($command) {
+            $account = $this->accountRepository->findById($command->accountId);
+
+            if (!$this->isEligible($account)) {
+                abort(403, __('This account is not eligible for onboarding.'));
+            }
+
+            $existing = $this->accountRazorpayPlatformRepository->findByAccountId($command->accountId);
+
+            $onboardingData = $existing ? ($existing->getOnboardingData() ?? []) : [];
+            if (is_string($onboardingData)) {
+                $onboardingData = json_decode($onboardingData, true) ?: [];
+            }
+
+            $onboardingData['business'] = $command->toArray();
+
+            if ($existing) {
+                $this->accountRazorpayPlatformRepository->updateById(
+                    $existing->getId(),
+                    ['onboarding_data' => json_encode($onboardingData)]
+                );
+                return $this->accountRazorpayPlatformRepository->findById($existing->getId());
+            }
+
+            return $this->accountRazorpayPlatformRepository->create([
+                'account_id' => $command->accountId,
+                'status' => 'initiated',
+                'onboarding_data' => json_encode($onboardingData),
+            ]);
+        });
+
+        if ($localAccount->getStatus() === 'active') {
+            return $this->buildResponse($localAccount, true);
+        }
+
+        $client = $this->razorpayClientFactory->create();
+
+        try {
+            $razorpayAccountId = $localAccount->getRazorpayAccountId();
+
+            if (!$razorpayAccountId) {
+                $razorpayAccountId = $this->createRemoteAccount($client, $command, $localAccount);
+            } else {
+                $this->updateRemoteAccount($client, $razorpayAccountId, $command);
+            }
+
+            return $this->buildResponse($localAccount, false, $razorpayAccountId);
+        } catch (Throwable $e) {
+            $this->failLocal($localAccount, $e);
+
+            throw new RazorpayAccountSetupException(
+                $this->mapToUserMessage($e),
+                previous: $e
+            );
+        }
+    }
+
+    private function updateRemoteAccount(RazorpayApiClient $client, string $razorpayAccountId, UpdateRazorpayBusinessStageDTO $command): void
+    {
+        $client->updateLinkedAccount($razorpayAccountId, [
+            'email' => $command->email ?? '',
+            'phone' => $command->phone ?? '',
+            'legal_business_name' => $command->legalBusinessName ?? '',
+            'business_type' => $command->businessType ?? 'partnership',
+            'contact_name' => $command->contactName ?? '',
+            'profile' => [
+                'category' => $command->profileCategory ?? 'healthcare',
+                'subcategory' => $command->profileSubcategory ?? 'clinic',
+                'addresses' => [
+                    'registered' => [
+                        'street1' => $command->registeredAddress?->street1 ?? '',
+                        'street2' => $command->registeredAddress?->street2 ?? '',
+                        'city' => $command->registeredAddress?->city ?? '',
+                        'state' => $command->registeredAddress?->state ?? '',
+                        'postal_code' => $command->registeredAddress?->postalCode ?? '',
+                        'country' => $command->registeredAddress?->country ?? 'IN',
+                    ],
+                ],
+            ],
+        ]);
+    }
+
+    private function createRemoteAccount(
+        RazorpayApiClient $client,
+        UpdateRazorpayBusinessStageDTO $command,
+        object $localAccount
+    ): string {
+        $this->accountRazorpayPlatformRepository->updateById(
+            $localAccount->getId(),
+            ['status' => 'creating_remote']
+        );
+
+        try {
+            $account = $client->createLinkedAccount([
+                'email' => $command->email ?? '',
+                'phone' => $command->phone ?? '',
+                'type' => 'route',
+                'legal_business_name' => $command->legalBusinessName ?? '',
+                'business_type' => $command->businessType ?? 'partnership',
+                'contact_name' => $command->contactName ?? '',
+                'profile' => [
+                    'category' => $command->profileCategory ?? 'healthcare',
+                    'subcategory' => $command->profileSubcategory ?? 'clinic',
+                    'addresses' => [
+                        'registered' => [
+                            'street1' => $command->registeredAddress?->street1 ?? '',
+                            'street2' => $command->registeredAddress?->street2 ?? '',
+                            'city' => $command->registeredAddress?->city ?? '',
+                            'state' => $command->registeredAddress?->state ?? '',
+                            'postal_code' => $command->registeredAddress?->postalCode ?? '',
+                            'country' => $command->registeredAddress?->country ?? 'IN',
+                        ],
+                    ],
+                ],
+            ]);
+
+            $this->accountRazorpayPlatformRepository->updateById(
+                $localAccount->getId(),
+                [
+                    'razorpay_account_id' => $account->id,
+                    'razorpay_account_details' => json_encode($account->toArray()),
+                    'status' => 'created',
+                ]
+            );
+
+            return $account->id;
+
+        } catch (BadRequestError $e) {
+            if ($this->isDuplicateEmailError($e)) {
+                $this->accountRazorpayPlatformRepository->updateById(
+                    $localAccount->getId(),
+                    [
+                        'status' => 'orphaned_remote',
+                        'error' => $e->getMessage(),
+                    ]
+                );
+
+                $this->logger->error('Duplicate Razorpay account without recoverable ID', [
+                    'email' => $command->email,
+                    'account_id' => $command->accountId,
+                    'razorpay_error' => $e->getMessage(),
+                ]);
+
+                throw new RazorpayAccountSetupException(
+                    __('This account is already registered. Please contact support.')
+                );
+            }
+
+            throw $e;
+        }
+    }
+
+    private function failLocal(object $localAccount, Throwable $e): void
+    {
+        $this->accountRazorpayPlatformRepository->updateById(
+            $localAccount->getId(),
+            [
+                'status' => 'failed',
+                'error' => json_encode([
+                    'raw' => $e->getMessage(),
+                    'type' => get_class($e),
+                ]),
+            ]
+        );
+
+        $this->logger->error('Razorpay onboarding business stage failed', [
+            'account_id' => $localAccount->getId(),
+            'error' => $e->getMessage(),
+        ]);
+    }
+
+    private function mapToUserMessage(Throwable $e): string
+    {
+        if ($e instanceof RazorpayAccountSetupException) {
+            return $e->getMessage();
+        }
+
+        $msg = $e->getMessage();
+
+        if (str_contains($msg, 'addresses')) {
+            return __('Please provide a valid business address.');
+        }
+
+        if (str_contains($msg, 'email')) {
+            return __('Please provide a valid email address.');
+        }
+
+        if (str_contains($msg, 'phone')) {
+            return __('Please provide a valid phone number.');
+        }
+
+        if ($this->isDuplicateEmailError($e)) {
+            return __('This account is already registered. Please contact support.');
+        }
+
+        return __('We could not complete the onboarding. Please try again.');
+    }
+
+    private function buildResponse(object $localAccount, bool $completed, ?string $razorpayAccountId = null): CreateRazorpayLinkedAccountResponse
+    {
+        return new CreateRazorpayLinkedAccountResponse(
+            linkedAccountId: $localAccount->getId(),
+            razorpayAccountId: $razorpayAccountId ?: ($localAccount->getRazorpayAccountId() ?? ''),
+            setupCompleted: $completed,
+        );
+    }
+
+    private function isEligible(AccountDomainObject $account): bool
+    {
+        return $account->getCurrencyCode() === 'INR';
+    }
+
+    private function isDuplicateEmailError(Throwable $e): bool
+    {
+        return $e instanceof RazorpayAccountSetupException;
+    }
+}
diff --git a/backend/app/Services/Application/Handlers/Account/Payment/Razorpay/UpdateRazorpaySettlementStageHandler.php b/backend/app/Services/Application/Handlers/Account/Payment/Razorpay/UpdateRazorpaySettlementStageHandler.php
new file mode 100644
index 0000000000..c154cacb3f
--- /dev/null
+++ b/backend/app/Services/Application/Handlers/Account/Payment/Razorpay/UpdateRazorpaySettlementStageHandler.php
@@ -0,0 +1,179 @@
+<?php
+
+namespace HiEvents\Services\Application\Handlers\Account\Payment\Razorpay;
+
+use HiEvents\Exceptions\Razorpay\RazorpayAccountSetupException;
+use HiEvents\Repository\Interfaces\AccountRazorpayPlatformRepositoryInterface;
+use HiEvents\Services\Application\Handlers\Account\Payment\Razorpay\DTO\UpdateRazorpaySettlementStageDTO;
+use HiEvents\Services\Application\Handlers\Account\Payment\Razorpay\DTO\CreateRazorpayLinkedAccountResponse;
+use HiEvents\Services\Infrastructure\Razorpay\RazorpayApiClient;
+use HiEvents\Services\Infrastructure\Razorpay\RazorpayClientFactory;
+use Illuminate\Database\DatabaseManager;
+use Psr\Log\LoggerInterface;
+use Throwable;
+
+class UpdateRazorpaySettlementStageHandler
+{
+    public function __construct(
+        private readonly AccountRazorpayPlatformRepositoryInterface $accountRazorpayPlatformRepository,
+        private readonly DatabaseManager $databaseManager,
+        private readonly LoggerInterface $logger,
+        private readonly RazorpayClientFactory $razorpayClientFactory,
+    ) {
+    }
+
+    public function handle(UpdateRazorpaySettlementStageDTO $command): CreateRazorpayLinkedAccountResponse
+    {
+        $localAccount = $this->databaseManager->transaction(function () use ($command) {
+            $existing = $this->accountRazorpayPlatformRepository->findByAccountId($command->accountId);
+
+            if (!$existing) {
+                abort(404, __('Razorpay onboarding not initiated.'));
+            }
+
+            $onboardingData = $existing->getOnboardingData() ?? [];
+            if (is_string($onboardingData)) {
+                $onboardingData = json_decode($onboardingData, true) ?: [];
+            }
+
+            $onboardingData['settlement'] = $command->settlement->toArray();
+
+            $this->accountRazorpayPlatformRepository->updateById(
+                $existing->getId(),
+                ['onboarding_data' => json_encode($onboardingData)]
+            );
+
+            return $this->accountRazorpayPlatformRepository->findById($existing->getId());
+        });
+
+        if ($localAccount->getStatus() === 'active') {
+            return $this->buildResponse($localAccount, true);
+        }
+
+        $razorpayAccountId = $localAccount->getRazorpayAccountId();
+        if (!$razorpayAccountId) {
+            abort(400, __('Razorpay account ID is missing. Cannot proceed to settlement setup.'));
+        }
+
+        $client = $this->razorpayClientFactory->create();
+
+        try {
+            $onboardingData = $localAccount->getOnboardingData() ?? [];
+            if (is_string($onboardingData)) {
+                $onboardingData = json_decode($onboardingData, true) ?: [];
+            }
+            $productId = $onboardingData['product_id'] ?? null;
+
+            if ($productId) {
+                $this->updateProduct($client, $razorpayAccountId, $productId, $command);
+            } else {
+                $productId = $this->configureProduct($client, $razorpayAccountId, $command);
+
+                // Save the product ID
+                $onboardingData['product_id'] = $productId;
+                $this->accountRazorpayPlatformRepository->updateById(
+                    $localAccount->getId(),
+                    ['onboarding_data' => json_encode($onboardingData)]
+                );
+            }
+
+            $productConfig = $client->fetchProductConfiguration($razorpayAccountId, $productId);
+            $isActive = $productConfig->activation_status === 'activated';
+
+            $this->accountRazorpayPlatformRepository->updateWhere(
+                ['id' => $localAccount->getId()],
+                [
+                    'status' => $isActive ? 'active' : 'pending_activation',
+                    'activated_at' => $isActive ? now()->toDateTimeString() : null,
+                ]
+            );
+
+            return $this->buildResponse($localAccount, $isActive);
+        } catch (Throwable $e) {
+            $this->failLocal($localAccount, $e);
+            throw new RazorpayAccountSetupException(
+                $e->getMessage(),
+                previous: $e
+            );
+        }
+    }
+
+    private function updateProduct(RazorpayApiClient $client, string $razorpayAccountId, string $productId, UpdateRazorpaySettlementStageDTO $command): void
+    {
+        if ($command->settlement) {
+            $client->updateProductConfiguration($razorpayAccountId, $productId, [
+                'settlements' => [
+                    'account_number' => $command->settlement->accountNumber,
+                    'ifsc_code' => $command->settlement->ifscCode,
+                    'beneficiary_name' => $command->settlement->beneficiaryName,
+                ],
+                'tnc_accepted' => true,
+            ]);
+
+            $this->logger->info('Product configuration updated with settlement', [
+                'razorpay_account_id' => $razorpayAccountId,
+                'product_id' => $productId,
+            ]);
+        }
+    }
+
+    private function configureProduct(RazorpayApiClient $client, string $razorpayAccountId, UpdateRazorpaySettlementStageDTO $command): string
+    {
+        $product = $client->requestProductConfiguration($razorpayAccountId, [
+            'product_name' => 'route',
+            'tnc_accepted' => true,
+        ]);
+        $productId = $product->id;
+
+        $this->logger->info('Product configuration requested', [
+            'razorpay_account_id' => $razorpayAccountId,
+            'product_id' => $productId,
+        ]);
+
+        if ($command->settlement) {
+            $client->updateProductConfiguration($razorpayAccountId, $productId, [
+                'settlements' => [
+                    'account_number' => $command->settlement->accountNumber,
+                    'ifsc_code' => $command->settlement->ifscCode,
+                    'beneficiary_name' => $command->settlement->beneficiaryName,
+                ],
+                'tnc_accepted' => true,
+            ]);
+
+            $this->logger->info('Product configuration updated with settlement', [
+                'razorpay_account_id' => $razorpayAccountId,
+                'product_id' => $productId,
+            ]);
+        }
+
+        return $productId;
+    }
+
+    private function failLocal(object $localAccount, Throwable $e): void
+    {
+        $this->accountRazorpayPlatformRepository->updateById(
+            $localAccount->getId(),
+            [
+                'status' => 'failed',
+                'error' => json_encode([
+                    'raw' => $e->getMessage(),
+                    'type' => get_class($e),
+                ]),
+            ]
+        );
+
+        $this->logger->error('Razorpay onboarding settlement stage failed', [
+            'account_id' => $localAccount->getId(),
+            'error' => $e->getMessage(),
+        ]);
+    }
+
+    private function buildResponse(object $localAccount, bool $completed): CreateRazorpayLinkedAccountResponse
+    {
+        return new CreateRazorpayLinkedAccountResponse(
+            linkedAccountId: $localAccount->getId(),
+            razorpayAccountId: $localAccount->getRazorpayAccountId(),
+            setupCompleted: $completed,
+        );
+    }
+}
diff --git a/backend/app/Services/Application/Handlers/Account/Payment/Razorpay/UpdateRazorpayStakeholderStageHandler.php b/backend/app/Services/Application/Handlers/Account/Payment/Razorpay/UpdateRazorpayStakeholderStageHandler.php
new file mode 100644
index 0000000000..d136f1d567
--- /dev/null
+++ b/backend/app/Services/Application/Handlers/Account/Payment/Razorpay/UpdateRazorpayStakeholderStageHandler.php
@@ -0,0 +1,188 @@
+<?php
+
+namespace HiEvents\Services\Application\Handlers\Account\Payment\Razorpay;
+
+use HiEvents\Exceptions\Razorpay\RazorpayAccountSetupException;
+use HiEvents\Repository\Interfaces\AccountRazorpayPlatformRepositoryInterface;
+use HiEvents\Services\Application\Handlers\Account\Payment\Razorpay\DTO\UpdateRazorpayStakeholderStageDTO;
+use HiEvents\Services\Application\Handlers\Account\Payment\Razorpay\DTO\CreateRazorpayLinkedAccountResponse;
+use HiEvents\Services\Infrastructure\Razorpay\RazorpayApiClient;
+use HiEvents\Services\Infrastructure\Razorpay\RazorpayClientFactory;
+use Illuminate\Database\DatabaseManager;
+use Psr\Log\LoggerInterface;
+use Razorpay\Api\Errors\BadRequestError;
+use Razorpay\Api\Errors\Error;
+use Throwable;
+
+class UpdateRazorpayStakeholderStageHandler
+{
+    public function __construct(
+        private readonly AccountRazorpayPlatformRepositoryInterface $accountRazorpayPlatformRepository,
+        private readonly DatabaseManager $databaseManager,
+        private readonly LoggerInterface $logger,
+        private readonly RazorpayClientFactory $razorpayClientFactory,
+    ) {
+    }
+
+    public function handle(UpdateRazorpayStakeholderStageDTO $command): CreateRazorpayLinkedAccountResponse
+    {
+        $localAccount = $this->databaseManager->transaction(function () use ($command) {
+            $existing = $this->accountRazorpayPlatformRepository->findByAccountId($command->accountId);
+
+            if (!$existing) {
+                abort(404, __('Razorpay onboarding not initiated.'));
+            }
+
+            $onboardingData = $existing->getOnboardingData() ?? [];
+            if (is_string($onboardingData)) {
+                $onboardingData = json_decode($onboardingData, true) ?: [];
+            }
+
+            $onboardingData['stakeholder'] = $command->stakeholder->toArray();
+
+            $this->accountRazorpayPlatformRepository->updateById(
+                $existing->getId(),
+                ['onboarding_data' => json_encode($onboardingData)]
+            );
+
+            return $this->accountRazorpayPlatformRepository->findById($existing->getId());
+        });
+
+        if ($localAccount->getStatus() === 'active') {
+            return $this->buildResponse($localAccount, true);
+        }
+
+        $razorpayAccountId = $localAccount->getRazorpayAccountId();
+        if (!$razorpayAccountId) {
+            abort(400, __('Razorpay account ID is missing. Cannot proceed to stakeholder setup.'));
+        }
+
+        $client = $this->razorpayClientFactory->create();
+
+        try {
+            $onboardingData = $localAccount->getOnboardingData() ?? [];
+            if (is_string($onboardingData)) {
+                $onboardingData = json_decode($onboardingData, true) ?: [];
+            }
+            $stakeholderId = $onboardingData['stakeholder_id'] ?? null;
+
+            if ($stakeholderId) {
+                $this->updateStakeholder($client, $razorpayAccountId, $stakeholderId, $command->stakeholder);
+            } else {
+                $stakeholderId = $this->createStakeholder($client, $razorpayAccountId, $command->stakeholder);
+
+                // Save the stakeholder ID
+                $onboardingData['stakeholder_id'] = $stakeholderId;
+                $this->accountRazorpayPlatformRepository->updateById(
+                    $localAccount->getId(),
+                    ['onboarding_data' => json_encode($onboardingData)]
+                );
+            }
+
+            return $this->buildResponse($localAccount, false);
+        } catch (Throwable $e) {
+            $this->failLocal($localAccount, $e);
+            throw new RazorpayAccountSetupException(
+                $e->getMessage(),
+                previous: $e
+            );
+        }
+    }
+
+    private function updateStakeholder(RazorpayApiClient $client, string $razorpayAccountId, string $stakeholderId, object $stakeholderData): void
+    {
+        try {
+            $client->updateStakeholder($razorpayAccountId, $stakeholderId, [
+                'name' => $stakeholderData->name,
+                'email' => $stakeholderData->email,
+                'addresses' => [
+                    'residential' => [
+                        'street' => $stakeholderData->residentialAddress->street ?? '',
+                        'city' => $stakeholderData->residentialAddress->city ?? '',
+                        'state' => $stakeholderData->residentialAddress->state ?? '',
+                        'postal_code' => $stakeholderData->residentialAddress->postalCode ?? '',
+                        'country' => $stakeholderData->residentialAddress->country ?? 'IN',
+                    ],
+                ],
+                'kyc' => [
+                    'pan' => $stakeholderData->pan ?? '',
+                ],
+                'notes' => $stakeholderData->notes ?? [],
+            ]);
+            $this->logger->info('Stakeholder updated', ['razorpay_account_id' => $razorpayAccountId, 'stakeholder_id' => $stakeholderId]);
+        } catch (Error $e) {
+            throw RazorpayAccountSetupException::fromRazorpayError($e, 'updating stakeholder');
+        }
+    }
+
+    private function createStakeholder(RazorpayApiClient $client, string $razorpayAccountId, object $stakeholderData): string
+    {
+        try {
+            $response = $client->createStakeholder($razorpayAccountId, [
+                'name' => $stakeholderData->name,
+                'email' => $stakeholderData->email,
+                'addresses' => [
+                    'residential' => [
+                        'street' => $stakeholderData->residentialAddress->street ?? '',
+                        'city' => $stakeholderData->residentialAddress->city ?? '',
+                        'state' => $stakeholderData->residentialAddress->state ?? '',
+                        'postal_code' => $stakeholderData->residentialAddress->postalCode ?? '',
+                        'country' => $stakeholderData->residentialAddress->country ?? 'IN',
+                    ],
+                ],
+                'kyc' => [
+                    'pan' => $stakeholderData->pan ?? '',
+                ],
+                'notes' => $stakeholderData->notes ?? [],
+            ]);
+            $this->logger->info('Stakeholder created', ['razorpay_account_id' => $razorpayAccountId]);
+            return $response->id;
+        } catch (BadRequestError $e) {
+            if ($this->isStakeholderDuplicateError($e)) {
+                $this->logger->warning('Stakeholder already exists, skipping creation', [
+                    'razorpay_account_id' => $razorpayAccountId,
+                    'error' => $e->getMessage(),
+                ]);
+                return ''; // We might not have the ID here, which could be problematic for updates later if they retry. Ideally they don't hit this.
+            } else {
+                throw RazorpayAccountSetupException::fromRazorpayError($e, 'creating stakeholder');
+            }
+        } catch (Error $e) {
+            throw RazorpayAccountSetupException::fromRazorpayError($e, 'creating stakeholder');
+        }
+    }
+
+    private function failLocal(object $localAccount, Throwable $e): void
+    {
+        $this->accountRazorpayPlatformRepository->updateById(
+            $localAccount->getId(),
+            [
+                'status' => 'failed',
+                'error' => json_encode([
+                    'raw' => $e->getMessage(),
+                    'type' => get_class($e),
+                ]),
+            ]
+        );
+
+        $this->logger->error('Razorpay onboarding stakeholder stage failed', [
+            'account_id' => $localAccount->getId(),
+            'error' => $e->getMessage(),
+        ]);
+    }
+
+    private function buildResponse(object $localAccount, bool $completed): CreateRazorpayLinkedAccountResponse
+    {
+        return new CreateRazorpayLinkedAccountResponse(
+            linkedAccountId: $localAccount->getId(),
+            razorpayAccountId: $localAccount->getRazorpayAccountId(),
+            setupCompleted: $completed,
+        );
+    }
+
+    private function isStakeholderDuplicateError(BadRequestError $e): bool
+    {
+        $message = $e->getMessage();
+        return str_contains($message, 'already exists') || str_contains($message, 'duplicate');
+    }
+}
diff --git a/backend/app/Services/Application/Handlers/Order/Payment/Razorpay/RazorpayWebhookHandler.php b/backend/app/Services/Application/Handlers/Order/Payment/Razorpay/RazorpayWebhookHandler.php
index 982ecf6cc1..24c4a5de94 100644
--- a/backend/app/Services/Application/Handlers/Order/Payment/Razorpay/RazorpayWebhookHandler.php
+++ b/backend/app/Services/Application/Handlers/Order/Payment/Razorpay/RazorpayWebhookHandler.php
@@ -10,6 +10,7 @@
 use HiEvents\Services\Domain\Payment\Razorpay\EventHandlers\RazorpayRefundHandler;
 use HiEvents\Services\Domain\Payment\Razorpay\EventHandlers\RazorpayPaymentFailedHandler;
 use HiEvents\Services\Domain\Payment\Razorpay\EventHandlers\RazorpayPaymentAuthorizedHandler;
+use HiEvents\Services\Domain\Payment\Razorpay\EventHandlers\RazorpayAccountStatusHandler;
 use Illuminate\Cache\Repository;
 use Illuminate\Log\Logger;
 use JsonException;
@@ -24,6 +25,10 @@ class RazorpayWebhookHandler
         'refund.processed',
         'payment.failed',
         'payment.authorized',
+        'account.instantiated',
+        'account.under_review',
+        'account.funds_on_hold',
+        'account.status_updated',
     ];
 
     public function __construct(
@@ -32,6 +37,7 @@ public function __construct(
         private readonly RazorpayRefundHandler $refundHandler,
         private readonly RazorpayPaymentFailedHandler $paymentFailedHandler,
         private readonly RazorpayPaymentAuthorizedHandler $paymentAuthorizedHandler,
+        private readonly RazorpayAccountStatusHandler $accountStatusHandler,
         private readonly RazorpayPaymentVerificationService $razorpayPaymentService,
         private readonly Logger $logger,
         private readonly Repository $cache,
@@ -76,6 +82,7 @@ public function handle(string $payload, string $signature): void
                 'payment.captured', 'payment.failed', 'payment.authorized' => $envelope->payload->payment->id,
                 'order.paid' => $envelope->payload->order->id,
                 'refund.processed' => $envelope->payload->refund->id,
+                'account.instantiated', 'account.under_review', 'account.funds_on_hold', 'account.status_updated' => $data['account_id'] . '_' . $event . '_' . $data['created_at'],
                 default => null,
             };
 
@@ -105,6 +112,7 @@ public function handle(string $payload, string $signature): void
                 'refund.processed' => $this->refundHandler->handleEvent($envelope->payload),
                 'payment.failed' => $this->paymentFailedHandler->handleEvent($envelope->payload),
                 'payment.authorized' => $this->paymentAuthorizedHandler->handleEvent($envelope->payload),
+                'account.instantiated', 'account.under_review', 'account.funds_on_hold', 'account.status_updated' => $this->accountStatusHandler->handleEvent($event, $envelope->payload),
                 default => $this->logger->debug('No handler for event', ['event' => $event]),
             };
 
diff --git a/backend/app/Services/Domain/Payment/Razorpay/DTOs/RazorpayAccountWebhookDTO.php b/backend/app/Services/Domain/Payment/Razorpay/DTOs/RazorpayAccountWebhookDTO.php
new file mode 100644
index 0000000000..fa037048d2
--- /dev/null
+++ b/backend/app/Services/Domain/Payment/Razorpay/DTOs/RazorpayAccountWebhookDTO.php
@@ -0,0 +1,18 @@
+<?php
+
+namespace HiEvents\Services\Domain\Payment\Razorpay\DTOs;
+
+use HiEvents\DataTransferObjects\BaseDataObject;
+
+class RazorpayAccountWebhookDTO extends BaseDataObject
+{
+    public function __construct(
+        public readonly string $id,
+        public readonly string $entity,
+        public readonly string $status,
+        public readonly ?array $notes,
+        public readonly ?array $reject_reasons = null,
+        public readonly ?array $rejection_reasons = null,
+    ) {
+    }
+}
diff --git a/backend/app/Services/Domain/Payment/Razorpay/DTOs/RazorpayAccountWebhookPayload.php b/backend/app/Services/Domain/Payment/Razorpay/DTOs/RazorpayAccountWebhookPayload.php
new file mode 100644
index 0000000000..875a23a4a3
--- /dev/null
+++ b/backend/app/Services/Domain/Payment/Razorpay/DTOs/RazorpayAccountWebhookPayload.php
@@ -0,0 +1,12 @@
+<?php
+
+namespace HiEvents\Services\Domain\Payment\Razorpay\DTOs;
+
+use HiEvents\DataTransferObjects\BaseDataObject;
+
+class RazorpayAccountWebhookPayload extends BaseDataObject
+{
+    public function __construct(
+        public readonly RazorpayAccountWebhookDTO $account,
+    ) {}
+}
diff --git a/backend/app/Services/Domain/Payment/Razorpay/DTOs/RazorpayWebhookEnvelope.php b/backend/app/Services/Domain/Payment/Razorpay/DTOs/RazorpayWebhookEnvelope.php
index 7e02db10cd..4575f5dba5 100644
--- a/backend/app/Services/Domain/Payment/Razorpay/DTOs/RazorpayWebhookEnvelope.php
+++ b/backend/app/Services/Domain/Payment/Razorpay/DTOs/RazorpayWebhookEnvelope.php
@@ -11,7 +11,7 @@ public function __construct(
         public readonly string $entity,
         public readonly string $account_id,
         public readonly string $event,
-        public readonly RazorpayOrderPaidPayload|RazorpayPaymentPayload|RazorpayRefundPayload $payload,
+        public readonly RazorpayOrderPaidPayload|RazorpayPaymentPayload|RazorpayRefundPayload|RazorpayAccountWebhookPayload $payload,
         public readonly int $created_at,
     ) {
     }
@@ -32,6 +32,9 @@ public static function fromArray(array $data): self
             'refund.processed' => RazorpayRefundPayload::from([
                 'refund' => $payloadData['refund']['entity'],
             ]),
+            'account.instantiated', 'account.under_review', 'account.funds_on_hold', 'account.status_updated' => RazorpayAccountWebhookPayload::from([
+                'account' => $payloadData['account']['entity'],
+            ]),
             default => throw new InvalidArgumentException("Unknown event: {$event}"),
         };
 
diff --git a/backend/app/Services/Domain/Payment/Razorpay/EventHandlers/RazorpayAccountStatusHandler.php b/backend/app/Services/Domain/Payment/Razorpay/EventHandlers/RazorpayAccountStatusHandler.php
new file mode 100644
index 0000000000..76a7b2b76c
--- /dev/null
+++ b/backend/app/Services/Domain/Payment/Razorpay/EventHandlers/RazorpayAccountStatusHandler.php
@@ -0,0 +1,80 @@
+<?php
+
+namespace HiEvents\Services\Domain\Payment\Razorpay\EventHandlers;
+
+use HiEvents\Repository\Interfaces\AccountRazorpayPlatformRepositoryInterface;
+use HiEvents\Services\Domain\Payment\Razorpay\DTOs\RazorpayAccountWebhookPayload;
+use Illuminate\Log\Logger;
+use Throwable;
+
+class RazorpayAccountStatusHandler
+{
+    public function __construct(
+        private readonly AccountRazorpayPlatformRepositoryInterface $accountRazorpayPlatformRepository,
+        private readonly Logger $logger,
+    ) {
+    }
+
+    public function handleEvent(string $event, RazorpayAccountWebhookPayload $payload): void
+    {
+        $accountEntity = $payload->account;
+
+        $razorpayAccountId = $accountEntity->id;
+
+        $platform = $this->accountRazorpayPlatformRepository->findByRazorpayAccountId($razorpayAccountId);
+
+        if (!$platform) {
+            $this->logger->warning('Razorpay platform record not found for webhook', [
+                'event' => $event,
+                'razorpay_account_id' => $razorpayAccountId,
+            ]);
+            return;
+        }
+
+        $updateData = [];
+
+        if (isset($accountEntity->status)) {
+            $updateData['status'] = $this->mapRazorpayStatusToLocalStatus($accountEntity->status);
+        }
+
+        if ($accountEntity->status === 'activated') {
+            $updateData['activated_at'] = now()->toDateTimeString();
+        }
+
+        // Add error details if rejected
+        if ($accountEntity->status === 'rejected') {
+            $reasons = $accountEntity->reject_reasons ?? $accountEntity->rejection_reasons ?? [];
+            $updateData['error'] = json_encode(['reasons' => $reasons]);
+        }
+
+        // Always update the raw details
+        $currentDetails = $platform->getRazorpayAccountDetails() ?? [];
+        if (is_string($currentDetails)) {
+            $currentDetails = json_decode($currentDetails, true) ?: [];
+        }
+
+        $mergedDetails = array_merge($currentDetails, $accountEntity->toArray());
+        $updateData['razorpay_account_details'] = json_encode($mergedDetails);
+
+        $this->accountRazorpayPlatformRepository->updateById($platform->getId(), $updateData);
+
+        $this->logger->info('Razorpay account webhook processed', [
+            'event' => $event,
+            'razorpay_account_id' => $razorpayAccountId,
+            'local_account_id' => $platform->getAccountId(),
+            'new_status' => $updateData['status'] ?? null,
+        ]);
+    }
+
+    private function mapRazorpayStatusToLocalStatus(string $razorpayStatus): string
+    {
+        return match ($razorpayStatus) {
+            'activated' => 'active',
+            'needs_clarification' => 'failed',
+            'rejected' => 'failed',
+            'under_review' => 'pending_activation',
+            'created' => 'pending_activation',
+            default => $razorpayStatus,
+        };
+    }
+}
diff --git a/backend/database/migrations/2026_05_11_090437_add_onboarding_data_to_account_razorpay_platforms.php b/backend/database/migrations/2026_05_11_090437_add_onboarding_data_to_account_razorpay_platforms.php
new file mode 100644
index 0000000000..7022af3d71
--- /dev/null
+++ b/backend/database/migrations/2026_05_11_090437_add_onboarding_data_to_account_razorpay_platforms.php
@@ -0,0 +1,28 @@
+<?php
+
+use Illuminate\Database\Migrations\Migration;
+use Illuminate\Database\Schema\Blueprint;
+use Illuminate\Support\Facades\Schema;
+
+return new class extends Migration
+{
+    /**
+     * Run the migrations.
+     */
+    public function up(): void
+    {
+        Schema::table('account_razorpay_platforms', function (Blueprint $table) {
+            $table->json('onboarding_data')->nullable();
+        });
+    }
+
+    /**
+     * Reverse the migrations.
+     */
+    public function down(): void
+    {
+        Schema::table('account_razorpay_platforms', function (Blueprint $table) {
+            $table->dropColumn('onboarding_data');
+        });
+    }
+};
diff --git a/backend/routes/api.php b/backend/routes/api.php
index 3cff35df8e..44e3b22992 100644
--- a/backend/routes/api.php
+++ b/backend/routes/api.php
@@ -4,6 +4,9 @@
 use HiEvents\Http\Actions\Accounts\GetAccountAction;
 use HiEvents\Http\Actions\Accounts\Razorpay\CreateRazorpayLinkedAccountAction;
 use HiEvents\Http\Actions\Accounts\Razorpay\GetRazorpayLinkedAccountsAction;
+use HiEvents\Http\Actions\Accounts\Razorpay\UpdateRazorpayBusinessStageAction;
+use HiEvents\Http\Actions\Accounts\Razorpay\UpdateRazorpayStakeholderStageAction;
+use HiEvents\Http\Actions\Accounts\Razorpay\UpdateRazorpaySettlementStageAction;
 use HiEvents\Http\Actions\Accounts\Stripe\CreateStripeConnectAccountAction;
 use HiEvents\Http\Actions\Accounts\Stripe\GetStripeConnectAccountsAction;
 use HiEvents\Http\Actions\Accounts\UpdateAccountAction;
@@ -276,6 +279,9 @@ function (Router $router): void {
         $router->prefix('accounts/{accountId}/razorpay')->group(function (Router $router) {
             $router->get('/accounts', GetRazorpayLinkedAccountsAction::class);
             $router->post('/linked-account', CreateRazorpayLinkedAccountAction::class);
+            $router->put('/onboarding/business', UpdateRazorpayBusinessStageAction::class);
+            $router->put('/onboarding/stakeholder', UpdateRazorpayStakeholderStageAction::class);
+            $router->put('/onboarding/settlement', UpdateRazorpaySettlementStageAction::class);
         });
 
         // VAT Settings
diff --git a/backend/tests/Unit/Services/Application/Handlers/Order/Payment/Razorpay/RazorpayWebhookHandlerTest.php b/backend/tests/Unit/Services/Application/Handlers/Order/Payment/Razorpay/RazorpayWebhookHandlerTest.php
index 851324dd61..8b6ff4fcfc 100644
--- a/backend/tests/Unit/Services/Application/Handlers/Order/Payment/Razorpay/RazorpayWebhookHandlerTest.php
+++ b/backend/tests/Unit/Services/Application/Handlers/Order/Payment/Razorpay/RazorpayWebhookHandlerTest.php
@@ -46,6 +46,7 @@ protected function setUp(): void
             $this->refundHandlerMock,
             $this->paymentFailedHandlerMock,
             $this->paymentAuthorizedHandlerMock,
+            $this->createMock(\HiEvents\Services\Domain\Payment\Razorpay\EventHandlers\RazorpayAccountStatusHandler::class),
             $this->verificationServiceMock,
             $this->loggerMock,
             $this->cacheMock
diff --git a/frontend/src/api/account.client.ts b/frontend/src/api/account.client.ts
index 0d023d0a84..5aeec11753 100644
--- a/frontend/src/api/account.client.ts
+++ b/frontend/src/api/account.client.ts
@@ -1,5 +1,5 @@
 import {api} from "./client.ts";
-import {Account, GenericDataResponse, IdParam, User, StripeConnectAccountsResponse, RazorpayAccountsResponse, CreateRazorpayLinkedAccountDTO, CreateRazorpayLinkedAccountResponse} from "../types.ts";
+import {Account, GenericDataResponse, IdParam, User, StripeConnectAccountsResponse, RazorpayAccountsResponse, CreateRazorpayLinkedAccountDTO, CreateRazorpayLinkedAccountResponse, UpdateRazorpayBusinessStageDTO, UpdateRazorpayStakeholderStageDTO, UpdateRazorpaySettlementStageDTO} from "../types.ts";
 
 interface CreateAccountRequest {
     first_name: string;
@@ -44,4 +44,25 @@ export const accountClient = {
         );
         return response.data;
     },
+    updateRazorpayBusiness: async (accountId: IdParam, payload: UpdateRazorpayBusinessStageDTO) => {
+        const response = await api.put<GenericDataResponse<CreateRazorpayLinkedAccountResponse>>(
+            `accounts/${accountId}/razorpay/onboarding/business`,
+            payload
+        );
+        return response.data;
+    },
+    updateRazorpayStakeholder: async (accountId: IdParam, payload: UpdateRazorpayStakeholderStageDTO) => {
+        const response = await api.put<GenericDataResponse<CreateRazorpayLinkedAccountResponse>>(
+            `accounts/${accountId}/razorpay/onboarding/stakeholder`,
+            payload
+        );
+        return response.data;
+    },
+    updateRazorpaySettlement: async (accountId: IdParam, payload: UpdateRazorpaySettlementStageDTO) => {
+        const response = await api.put<GenericDataResponse<CreateRazorpayLinkedAccountResponse>>(
+            `accounts/${accountId}/razorpay/onboarding/settlement`,
+            payload
+        );
+        return response.data;
+    },
 }
\ No newline at end of file
diff --git a/frontend/src/components/routes/account/ManageAccount/sections/PaymentSettings/RazorpayOnboarding/OnboardingModal.tsx b/frontend/src/components/routes/account/ManageAccount/sections/PaymentSettings/RazorpayOnboarding/OnboardingModal.tsx
index 7efd59d314..671d45fa91 100644
--- a/frontend/src/components/routes/account/ManageAccount/sections/PaymentSettings/RazorpayOnboarding/OnboardingModal.tsx
+++ b/frontend/src/components/routes/account/ManageAccount/sections/PaymentSettings/RazorpayOnboarding/OnboardingModal.tsx
@@ -1,63 +1,82 @@
-import { useState } from 'react';
+import { useState, useEffect } from 'react';
 import {
   Modal, Stepper, Button, Group, TextInput, Select, Grid, Text
 } from '@mantine/core';
 import { useForm } from '@mantine/form';
 import { t } from '@lingui/macro';
-import { CreateRazorpayLinkedAccountDTO } from '../../../../../../../types';
+import { UpdateRazorpayBusinessStageDTO, UpdateRazorpayStakeholderStageDTO, UpdateRazorpaySettlementStageDTO, RazorpayAccount } from '../../../../../../../types';
+import { useUpdateRazorpayBusiness } from '../../../../../../../mutations/useUpdateRazorpayBusiness';
+import { useUpdateRazorpayStakeholder } from '../../../../../../../mutations/useUpdateRazorpayStakeholder';
+import { useUpdateRazorpaySettlement } from '../../../../../../../mutations/useUpdateRazorpaySettlement';
 
 interface RazorpayOnboardingModalProps {
     accountId: number;
     opened: boolean;
     onClose: () => void;
-    onSubmit: (dto: CreateRazorpayLinkedAccountDTO) => void;
-    isSubmitting: boolean;
+    onSuccess: () => void;
     initialEmail?: string;
     initialLegalBusinessName?: string;
+    accountData?: RazorpayAccount;
 }
 
 export const RazorpayOnboardingModal = ({
   accountId,
   opened,
   onClose,
-  onSubmit,
-  isSubmitting,
+  onSuccess,
   initialEmail = '',
   initialLegalBusinessName = '',
+  accountData,
 }: RazorpayOnboardingModalProps) => {
   const [activeStep, setActiveStep] = useState(0);
   const [error, setError] = useState<string | null>(null);
 
+  const businessMutation = useUpdateRazorpayBusiness();
+  const stakeholderMutation = useUpdateRazorpayStakeholder();
+  const settlementMutation = useUpdateRazorpaySettlement();
+
+  useEffect(() => {
+    if (accountData?.onboarding_data && opened) {
+      if (accountData.onboarding_data.settlement) {
+        setActiveStep(3);
+      } else if (accountData.onboarding_data.stakeholder) {
+        setActiveStep(2);
+      } else if (accountData.onboarding_data.business) {
+        setActiveStep(1);
+      }
+    }
+  }, [opened]); // Only set the active step when the modal is opened
+
   const form = useForm({
     initialValues: {
-      email: initialEmail,
-      phone: '',
-      legalBusinessName: initialLegalBusinessName,
-      businessType: 'partnership',
-      contactName: '',
-
-      regStreet1: '',
-      regStreet2: '',
-      regCity: '',
-      regState: '',
-      regPostalCode: '',
-      regCountry: 'IN',
-
-      pan: '',
-      gst: '',
-
-      stakeName: '',
-      stakeEmail: '',
-      stakePan: '',
-      stakeStreet: '',
-      stakeCity: '',
-      stakeState: '',
-      stakePostalCode: '',
-      stakeCountry: 'IN',
-
-      accountNumber: '',
-      ifscCode: '',
-      beneficiaryName: '',
+      email: accountData?.onboarding_data?.business?.email || initialEmail,
+      phone: accountData?.onboarding_data?.business?.phone || '',
+      legalBusinessName: accountData?.onboarding_data?.business?.legalBusinessName || initialLegalBusinessName,
+      businessType: accountData?.onboarding_data?.business?.businessType || 'partnership',
+      contactName: accountData?.onboarding_data?.business?.contactName || '',
+
+      regStreet1: accountData?.onboarding_data?.business?.registeredAddress?.street1 || '',
+      regStreet2: accountData?.onboarding_data?.business?.registeredAddress?.street2 || '',
+      regCity: accountData?.onboarding_data?.business?.registeredAddress?.city || '',
+      regState: accountData?.onboarding_data?.business?.registeredAddress?.state || '',
+      regPostalCode: accountData?.onboarding_data?.business?.registeredAddress?.postalCode || '',
+      regCountry: accountData?.onboarding_data?.business?.registeredAddress?.country || 'IN',
+
+      pan: accountData?.onboarding_data?.business?.pan || '',
+      gst: accountData?.onboarding_data?.business?.gst || '',
+
+      stakeName: accountData?.onboarding_data?.stakeholder?.name || '',
+      stakeEmail: accountData?.onboarding_data?.stakeholder?.email || '',
+      stakePan: accountData?.onboarding_data?.stakeholder?.pan || '',
+      stakeStreet: accountData?.onboarding_data?.stakeholder?.residentialAddress?.street || '',
+      stakeCity: accountData?.onboarding_data?.stakeholder?.residentialAddress?.city || '',
+      stakeState: accountData?.onboarding_data?.stakeholder?.residentialAddress?.state || '',
+      stakePostalCode: accountData?.onboarding_data?.stakeholder?.residentialAddress?.postalCode || '',
+      stakeCountry: accountData?.onboarding_data?.stakeholder?.residentialAddress?.country || 'IN',
+
+      accountNumber: accountData?.onboarding_data?.settlement?.accountNumber || '',
+      ifscCode: accountData?.onboarding_data?.settlement?.ifscCode || '',
+      beneficiaryName: accountData?.onboarding_data?.settlement?.beneficiaryName || '',
     },
 
     validate: {
@@ -93,8 +112,8 @@ export const RazorpayOnboardingModal = ({
   });
 
   const stepFields = [
-    ['legalBusinessName', 'email', 'phone', 'regStreet1', 'regCity', 'regState', 'regPostalCode'],
-    ['stakeName', 'stakeEmail', 'stakeStreet', 'stakeCity', 'stakeState', 'stakePostalCode'],
+    ['legalBusinessName', 'email', 'phone', 'regStreet1', 'regCity', 'regState', 'regPostalCode', 'pan'],
+    ['stakeName', 'stakeEmail', 'stakeStreet', 'stakeCity', 'stakeState', 'stakePostalCode', 'stakePan'],
     ['accountNumber', 'ifscCode', 'beneficiaryName'],
   ];
 
@@ -103,62 +122,74 @@ export const RazorpayOnboardingModal = ({
     return stepFields[activeStep].some((f) => errors[f]);
   };
 
-  const handleNext = () => {
-    if (!validateStep()) {
-      setActiveStep((s) => Math.min(s + 1, 3));
-    }
-  };
-
-  const handleBack = () => setActiveStep((s) => Math.max(s - 1, 0));
-
-  const buildDto = (): CreateRazorpayLinkedAccountDTO => ({
-    accountId,
-    email: form.values.email,
-    phone: form.values.phone,
-    legalBusinessName: form.values.legalBusinessName,
-    businessType: form.values.businessType,
-    contactName: form.values.contactName,
-    registeredAddress: {
-      street1: form.values.regStreet1,
-      street2: form.values.regStreet2,
-      city: form.values.regCity,
-      state: form.values.regState,
-      postalCode: form.values.regPostalCode,
-      country: form.values.regCountry,
-    },
-    pan: form.values.pan,
-    gst: form.values.gst,
-    stakeholder: {
-      name: form.values.stakeName,
-      email: form.values.stakeEmail,
-      pan: form.values.stakePan,
-      residentialAddress: {
-        street: form.values.stakeStreet,
-        city: form.values.stakeCity,
-        state: form.values.stakeState,
-        postalCode: form.values.stakePostalCode,
-        country: form.values.stakeCountry,
-      },
-    },
-    settlement: {
-      accountNumber: form.values.accountNumber,
-      ifscCode: form.values.ifscCode,
-      beneficiaryName: form.values.beneficiaryName,
-    },
-  });
+  const handleNext = async () => {
+    if (validateStep()) return;
 
-  const handleSubmit = async () => {
     setError(null);
 
-    if (form.validate().hasErrors) return;
-
     try {
-      await onSubmit(buildDto());
+        if (activeStep === 0) {
+            const dto: UpdateRazorpayBusinessStageDTO = {
+                accountId,
+                email: form.values.email,
+                phone: form.values.phone,
+                legalBusinessName: form.values.legalBusinessName,
+                businessType: form.values.businessType,
+                contactName: form.values.contactName,
+                registeredAddress: {
+                    street1: form.values.regStreet1,
+                    street2: form.values.regStreet2,
+                    city: form.values.regCity,
+                    state: form.values.regState,
+                    postalCode: form.values.regPostalCode,
+                    country: form.values.regCountry,
+                },
+                pan: form.values.pan,
+                gst: form.values.gst,
+            };
+            await businessMutation.mutateAsync(dto);
+            setActiveStep(1);
+        } else if (activeStep === 1) {
+            const dto: UpdateRazorpayStakeholderStageDTO = {
+                accountId,
+                stakeholder: {
+                    name: form.values.stakeName,
+                    email: form.values.stakeEmail,
+                    pan: form.values.stakePan,
+                    residentialAddress: {
+                        street: form.values.stakeStreet,
+                        city: form.values.stakeCity,
+                        state: form.values.stakeState,
+                        postalCode: form.values.stakePostalCode,
+                        country: form.values.stakeCountry,
+                    },
+                },
+            };
+            await stakeholderMutation.mutateAsync(dto);
+            setActiveStep(2);
+        } else if (activeStep === 2) {
+            const dto: UpdateRazorpaySettlementStageDTO = {
+                accountId,
+                settlement: {
+                    accountNumber: form.values.accountNumber,
+                    ifscCode: form.values.ifscCode,
+                    beneficiaryName: form.values.beneficiaryName,
+                },
+            };
+            await settlementMutation.mutateAsync(dto);
+            setActiveStep(3);
+        } else if (activeStep === 3) {
+            onSuccess();
+        }
     } catch (e: any) {
-      setError(e?.message || t`Something went wrong`);
+        setError(e?.response?.data?.message || e?.message || t`Something went wrong`);
     }
   };
 
+  const handleBack = () => setActiveStep((s) => Math.max(s - 1, 0));
+
+  const isSubmitting = businessMutation.isPending || stakeholderMutation.isPending || settlementMutation.isPending;
+
   return (
     <Modal opened={opened} onClose={onClose} title={t`Razorpay Onboarding`} size="70%" closeOnClickOutside={false}>
       
@@ -209,7 +240,7 @@ export const RazorpayOnboardingModal = ({
             <Grid.Col span={6}><TextInput label={t`Postal Code`} required {...form.getInputProps('regPostalCode')} /></Grid.Col>
             <Grid.Col span={6}><TextInput label={t`Country`} readOnly {...form.getInputProps('regCountry')} /></Grid.Col>
 
-            <Grid.Col span={6}><TextInput label={t`PAN`} {...form.getInputProps('pan')} /></Grid.Col>
+            <Grid.Col span={6}><TextInput label={t`PAN`} required {...form.getInputProps('pan')} /></Grid.Col>
             <Grid.Col span={6}><TextInput label={t`GST`} {...form.getInputProps('gst')} /></Grid.Col>
 
           </Grid>
@@ -220,7 +251,7 @@ export const RazorpayOnboardingModal = ({
           <Grid>
             <Grid.Col span={6}><TextInput label={t`Name`} required {...form.getInputProps('stakeName')} /></Grid.Col>
             <Grid.Col span={6}><TextInput label={t`Email`} required {...form.getInputProps('stakeEmail')} /></Grid.Col>
-            <Grid.Col span={6}><TextInput label={t`PAN`} {...form.getInputProps('stakePan')} /></Grid.Col>
+            <Grid.Col span={6}><TextInput label={t`PAN`} required {...form.getInputProps('stakePan')} /></Grid.Col>
 
             <Grid.Col span={12}><Text fw={500}>{t`Residential Address`}</Text></Grid.Col>
 
@@ -242,9 +273,10 @@ export const RazorpayOnboardingModal = ({
         </Stepper.Step>
 
         <Stepper.Completed>
-          <Button fullWidth onClick={handleSubmit} loading={isSubmitting}>
-            {t`Submit Onboarding`}
-          </Button>
+            <Stack>
+                <Text ta="center" size="lg" fw={500}>{t`Review & Submit`}</Text>
+                <Text ta="center" c="dimmed">{t`Please confirm all your details are correct before submitting.`}</Text>
+            </Stack>
         </Stepper.Completed>
 
       </Stepper>
@@ -262,11 +294,17 @@ export const RazorpayOnboardingModal = ({
 
         {activeStep === 2 && (
           <Button onClick={handleNext} disabled={isSubmitting}>
-            {t`Review`}
+            {t`Save & Review`}
+          </Button>
+        )}
+
+        {activeStep === 3 && (
+          <Button onClick={handleNext} disabled={isSubmitting}>
+            {t`Finish`}
           </Button>
         )}
       </Group>
 
     </Modal>
   );
-};
\ No newline at end of file
+};
diff --git a/frontend/src/components/routes/account/ManageAccount/sections/PaymentSettings/RazorpayOnboarding/OnboardingPanel.tsx b/frontend/src/components/routes/account/ManageAccount/sections/PaymentSettings/RazorpayOnboarding/OnboardingPanel.tsx
index 42e04a4c84..d0e7108c98 100644
--- a/frontend/src/components/routes/account/ManageAccount/sections/PaymentSettings/RazorpayOnboarding/OnboardingPanel.tsx
+++ b/frontend/src/components/routes/account/ManageAccount/sections/PaymentSettings/RazorpayOnboarding/OnboardingPanel.tsx
@@ -2,7 +2,6 @@ import { useEffect, useRef, useState } from 'react';
 import { Title, LoadingOverlay } from '@mantine/core';
 import { t } from '@lingui/macro';
 import { useGetRazorpayAccounts } from '../../../../../../../queries/useGetRazorpayAccounts';
-import { useCreateRazorpayLinkedAccount } from '../../../../../../../mutations/useCreateRazorpayLinkedAccount';
 import { Account, RazorpayStatus } from '../../../../../../../types';
 import { RazorpayOnboardingView } from './RazorpayOnboardingView';
 import { RazorpayOnboardingModal } from './OnboardingModal';
@@ -25,7 +24,6 @@ const isValidStatus = (s: any): s is RazorpayStatus =>
 
 export const RazorpayPanel: React.FC<Props> = ({ account }) => {
   const { data, isLoading, refetch } = useGetRazorpayAccounts(account.id);
-  const createMutation = useCreateRazorpayLinkedAccount();
 
   const [showModal, setShowModal] = useState(false);
   const hasTracked = useRef(false);
@@ -59,20 +57,12 @@ export const RazorpayPanel: React.FC<Props> = ({ account }) => {
         email: apiAccount.email ?? account.email,
         legal_business_name:
           apiAccount.legal_business_name ?? account.name,
+        onboarding_data: apiAccount.onboarding_data,
       }
     : undefined;
 
   const handleStart = () => setShowModal(true);
 
-  const handleSubmit = (dto: any) => {
-    createMutation.mutate(dto, {
-      onSuccess: () => {
-        setShowModal(false);
-        refetch();
-      },
-    });
-  };
-
   return (
     <>
       <Title mb={10} order={3}>
@@ -91,10 +81,13 @@ export const RazorpayPanel: React.FC<Props> = ({ account }) => {
         accountId={Number(account.id)}
         opened={showModal}
         onClose={() => setShowModal(false)}
-        onSubmit={handleSubmit}
-        isSubmitting={createMutation.isPending}
+        onSuccess={() => {
+            setShowModal(false);
+            refetch();
+        }}
         initialEmail={account.email}
         initialLegalBusinessName={account.name}
+        accountData={initialData}
       />
     </>
   );
diff --git a/frontend/src/components/routes/account/ManageAccount/sections/PaymentSettings/RazorpayOnboarding/states/RetryFormState.tsx b/frontend/src/components/routes/account/ManageAccount/sections/PaymentSettings/RazorpayOnboarding/states/RetryFormState.tsx
index 3755fda479..b132299749 100644
--- a/frontend/src/components/routes/account/ManageAccount/sections/PaymentSettings/RazorpayOnboarding/states/RetryFormState.tsx
+++ b/frontend/src/components/routes/account/ManageAccount/sections/PaymentSettings/RazorpayOnboarding/states/RetryFormState.tsx
@@ -13,10 +13,10 @@ export const RetryFormState = ({
       accountId={accountId}
       opened={true}
       onClose={() => {}}
-      onSubmit={() => {}}
-      isSubmitting={false}
-      initialEmail={initialData?.email}
-      initialLegalBusinessName={initialData?.legal_business_name}
+      onSuccess={() => {}}
+      initialEmail={initialData?.email || ''}
+      initialLegalBusinessName={initialData?.legal_business_name || ''}
+      accountData={initialData}
     />
   );
 };
\ No newline at end of file
diff --git a/frontend/src/mutations/useUpdateRazorpayBusiness.ts b/frontend/src/mutations/useUpdateRazorpayBusiness.ts
new file mode 100644
index 0000000000..4c6f5f1396
--- /dev/null
+++ b/frontend/src/mutations/useUpdateRazorpayBusiness.ts
@@ -0,0 +1,13 @@
+import { useMutation } from '@tanstack/react-query';
+import { accountClient } from '../api/account.client';
+import { UpdateRazorpayBusinessStageDTO, CreateRazorpayLinkedAccountResponse } from '../types';
+import { AxiosError } from 'axios';
+
+export const useUpdateRazorpayBusiness = () => {
+    return useMutation<CreateRazorpayLinkedAccountResponse, AxiosError, UpdateRazorpayBusinessStageDTO>({
+        mutationFn: async (payload) => {
+            const { data } = await accountClient.updateRazorpayBusiness(payload.accountId, payload);
+            return data;
+        },
+    });
+};
diff --git a/frontend/src/mutations/useUpdateRazorpaySettlement.ts b/frontend/src/mutations/useUpdateRazorpaySettlement.ts
new file mode 100644
index 0000000000..f07da6ad8f
--- /dev/null
+++ b/frontend/src/mutations/useUpdateRazorpaySettlement.ts
@@ -0,0 +1,13 @@
+import { useMutation } from '@tanstack/react-query';
+import { accountClient } from '../api/account.client';
+import { UpdateRazorpaySettlementStageDTO, CreateRazorpayLinkedAccountResponse } from '../types';
+import { AxiosError } from 'axios';
+
+export const useUpdateRazorpaySettlement = () => {
+    return useMutation<CreateRazorpayLinkedAccountResponse, AxiosError, UpdateRazorpaySettlementStageDTO>({
+        mutationFn: async (payload) => {
+            const { data } = await accountClient.updateRazorpaySettlement(payload.accountId, payload);
+            return data;
+        },
+    });
+};
diff --git a/frontend/src/mutations/useUpdateRazorpayStakeholder.ts b/frontend/src/mutations/useUpdateRazorpayStakeholder.ts
new file mode 100644
index 0000000000..5ed2bfd651
--- /dev/null
+++ b/frontend/src/mutations/useUpdateRazorpayStakeholder.ts
@@ -0,0 +1,13 @@
+import { useMutation } from '@tanstack/react-query';
+import { accountClient } from '../api/account.client';
+import { UpdateRazorpayStakeholderStageDTO, CreateRazorpayLinkedAccountResponse } from '../types';
+import { AxiosError } from 'axios';
+
+export const useUpdateRazorpayStakeholder = () => {
+    return useMutation<CreateRazorpayLinkedAccountResponse, AxiosError, UpdateRazorpayStakeholderStageDTO>({
+        mutationFn: async (payload) => {
+            const { data } = await accountClient.updateRazorpayStakeholder(payload.accountId, payload);
+            return data;
+        },
+    });
+};
diff --git a/frontend/src/types.ts b/frontend/src/types.ts
index 1d5a367499..f53d5e14af 100644
--- a/frontend/src/types.ts
+++ b/frontend/src/types.ts
@@ -1098,6 +1098,11 @@ export interface RazorpayAccount {
     razorpay_account_id?: string | null;
     email?: string;
     legal_business_name?: string;
+    onboarding_data?: {
+        business?: Partial<UpdateRazorpayBusinessStageDTO>;
+        stakeholder?: Partial<UpdateRazorpayStakeholderStageDTO['stakeholder']>;
+        settlement?: Partial<UpdateRazorpaySettlementStageDTO['settlement']>;
+    } | null;
 }
 
 export interface RazorpayViewProps {
@@ -1152,6 +1157,52 @@ export interface CreateRazorpayLinkedAccountDTO {
     };
 }
 
+export interface UpdateRazorpayBusinessStageDTO {
+    accountId: number;
+    email: string;
+    phone: string;
+    legalBusinessName: string;
+    businessType: string;
+    contactName: string;
+    profileCategory?: string;
+    profileSubcategory?: string;
+    registeredAddress: {
+        street1: string;
+        street2?: string;
+        city: string;
+        state: string;
+        postalCode: string;
+        country: string;
+    };
+    pan: string;
+    gst?: string;
+}
+
+export interface UpdateRazorpayStakeholderStageDTO {
+    accountId: number;
+    stakeholder: {
+        name: string;
+        email: string;
+        pan?: string;
+        residentialAddress: {
+            street: string;
+            city: string;
+            state: string;
+            postalCode: string;
+            country: string;
+        };
+    };
+}
+
+export interface UpdateRazorpaySettlementStageDTO {
+    accountId: number;
+    settlement: {
+        accountNumber: string;
+        ifscCode: string;
+        beneficiaryName: string;
+    };
+}
+
 export interface CreateRazorpayLinkedAccountResponse {
     linkedAccountId: number;
     razorpayAccountId: string;