Date	Topic	Details	POD	Effective Date
August 20, 2024	VCIP	Process: https://razorpay-ind.freshdesk.com/a/solutions/articles/82000912838?portalId=82000019771	Post Onboarding	August 20, 2024
August 20, 2024	Maker and checker variance - FD identifier	Checkers would have to choose the option as 'Merchant requested' for cases where the WF is being rejected because the merchant has asked for the same.	Checkers	August 20, 2024
August 20, 2024	Due diligence while onboarding merchants with the business type 'Utilities' MCC: 4900	Agents have to get a clear understanding on the business use case. - If the merchant wants PG so that their end customer directly pays the bills, recharges etc. Or - If the use case is to add money to the wallet where the end customer utilises the funds from the wallets for recharge/bill payments etc. [ In this case the subcategory has to be updated as : Wallet top-up]	Pre onboarding & Post Onboarding	August 20, 2024
August 20, 2024	Reiteration on the dedupe process	Dedupe under review [Brandlist] : SOP LINK	Pre onboarding	August 20, 2024