When I request for payment gateway for my website first they asked about my website and they given me whole information about payment gateway and charges and process.
after that they called me for confirmation and told me to send data about website and category and then they send me one form for my website and I have submitted it for review after 7th day I received call from payumoney and told me that you have successfully complete your website verification process and now you can use it by merchant id and you can send or receive payment.
I am happy with its service.
thank payumoney