How to Accept Online Payments Directly in Your Bank Account

For any business selling online, getting paid easily and directly is just as important as getting orders. Many sellers still struggle with delayed settlements, third-party wallets, or complicated payment setups.

If you’re wondering how to accept online payments directly in your bank account, this guide explains everything step by step—especially for Indian small businesses, local sellers, and online entrepreneurs.

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Why Direct Bank Payments Matter for Online Sellers

When payments come directly into your bank account, you get:

• Faster access to your money

• Better cash flow

• No dependence on wallets or intermediaries

• Clear transaction records for accounting

For small businesses, this makes daily operations smoother and more reliable.

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Common Problems with Traditional Payment Methods

Many sellers face issues like:

• Payment held by platforms

• Long settlement cycles (5–10 days)

• Complicated approval processes

• Hidden charges and deductions

These problems can slow down growth and reduce trust.

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What You Need to Accept Online Payments in India

To receive payments directly into your bank account, you need:

• A verified bank account

• A payment gateway that supports direct settlement

• An online store or checkout page

• Support for UPI, cards, and COD

Modern ecommerce platforms now bundle all of this together.

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Best Payment Methods for Indian Customers

Indian customers prefer:

• UPI payments (Google Pay, PhonePe, Paytm)

• Debit & Credit Cards

• Net Banking

• Cash on Delivery (COD)

Offering multiple options increases conversion and trust.

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How Bechna Helps You Accept Payments Directly

Bechna is a mobile-first ecommerce app designed for Indian sellers that enables direct bank payments without complex setup.

With Bechna, you can:

• Accept UPI, card, net banking & COD payments

• Get money directly into your bank account

• Choose instant or T+1 settlement (based on gateway)

• Avoid wallet-based holding of funds

• Track all transactions from one dashboard

There are no platform commissions, only standard payment gateway charges.

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Step-by-Step: Accept Online Payments with Bechna

Step 1: Create Your Online Store

Sign up on Bechna and launch your store in minutes.

Step 2: Complete Bank & KYC Setup

Add your bank account details for secure settlements.

Step 3: Enable Payment Options

Activate UPI, cards, net banking, and COD.

Step 4: Share Your Store Link

Promote your store on WhatsApp, Instagram, or Facebook.

Step 5: Receive Payments Directly

Once a customer pays, money is transferred to your bank as per settlement cycle.

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Is It Safe to Accept Online Payments?

Yes. Bechna uses:

• PCI-compliant payment gateways

• Encrypted transactions

• SSL-secured storefronts

• Bank-grade security standards

This ensures safe and trusted payments for both sellers and customers.

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Who Should Use Direct Bank Payment Systems?

This setup is ideal for:

• Small business owners

• Home-based sellers

• D2C brands

• Instagram & WhatsApp sellers

• Manufacturers and wholesalers

If you want full control over your earnings, direct bank payments are essential.

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https://bechna.app/