If you have already transferred your funds but receive an email regarding a PAN mismatch, it means a discrepancy was found between your provided PAN details and the originating bank account.
Depending on which email you received, please follow the specific steps below to resume your payment.
Emails from local partners (Lulu Forex or Muthoot)
This section applies if you received an email from:
- Lulu Forex: flywiredocuments@in.luluforex.com
- Muthoot: flywiredocuments@muthoot.com
Our local partners verify your details for TCS filing within 2-3 business days of receiving your funds. If the PAN does not match the payer's name on the bank account, they will contact you.
Step 1: Verify your details
The PAN entered must match the bank account holder who sent the funds (e.g., if your parent sent the funds, you must use your parent's PAN). You can check your entered details by returning to your tracking link and clicking "Edit Payment Details."
Step 2: Take Action
A. If the PAN number is correct but the name is wrong:
- Edit the payer’s name on Flywire to match the PAN card exactly and click “Save.”
- If you uploaded the wrong ID, please resubmit the LRS form.
- Once updated, reply to the partner’s email to let them know.
B. If the PAN number itself is incorrect (e.g., a typo or wrong person):
A PAN number cannot be changed on an existing payment request. You must create a new payment request with the correct details.
- If the new INR amount is lower: The partner will process the required amount and return the excess funds to you.
- If the new INR amount is higher: Please make a second bank transfer for the remaining balance from the same account.
Final Step: Reply to the partner
Reply to the partner's email with your new Payment ID (and the second transfer receipt if applicable).
Emails from Flywire Support
This section applies if you received an email from support@flywire.com. This typically happens when funds are received without the PAN holder’s name, often due to:
- Education Loans: The bank used an internal account or listed a co-applicant's name.
- Joint Accounts: The bank sent the funds under the other account holder’s name.
How to resolve:
- For Education Loans: Reply to the email and attach your Loan Sanction Letter to show that the PAN holder is an applicant or guarantor on the loan.
- For Personal/Joint Accounts: Provide a bank book or document showing all names and PANs linked to the account. The bank account holder must match the PAN holder on your payment request.
📌 Note: If the PAN card holder is not linked to the bank account or loan, Flywire must return the funds due to TCS regulations. Since the PAN cannot be changed, please create a new payment request with the correct details once you are ready.