One of the first questions new online sellers ask is:
“How do I accept payments on my ecommerce website?”

The answer lies in setting up a payment gateway.

If you’re a beginner in India, payment gateway setup may sound technical — but it doesn’t have to be.

This guide explains what a payment gateway is, how it works, and the easiest way for beginners to set it up in India.

What Is a Payment Gateway?

A payment gateway is a service that:

Processes online payments
Connects your store with banks
Accepts UPI, cards & net banking
Transfers money to your bank account

Without a payment gateway, you cannot accept online payments.

Why Payment Gateways Matter for Ecommerce

A good payment gateway helps you:

Get paid securely
Offer fast checkout
Build customer trust
Reduce payment failures
Track transactions easily

For Indian sellers, UPI support is critical.

What You Need Before Setting Up a Payment Gateway

Before setup, keep these ready:

Bank account details
PAN card
Business details (individual or company)
Address proof
GST (if applicable)

Most gateways require KYC verification.

How Ecommerce Payment Gateways Work

Customer places an order
Chooses a payment method (UPI/card)
Gateway processes the payment
Payment is verified securely
Amount is settled to seller’s bank account

This entire process happens in seconds.

Two Ways to Set Up a Payment Gateway

Option 1: Manual Gateway Integration (Hard)

This involves:

Choosing a gateway
Completing onboarding
Technical API integration
Testing checkout
Managing multiple dashboards

Not recommended for beginners.

Option 2: Use an Ecommerce Platform with Built-In Gateway (Easy)

Platforms like Bechna come with payment gateway integration ready.

With Bechna, beginners can:

Enable payments in minutes
Accept UPI, cards & COD
Receive payments directly in bank account
Avoid technical setup
Manage orders & payments from one app

Best Payment Methods for Indian Ecommerce

Your store should support:

UPI (Google Pay, PhonePe, Paytm)
Debit & credit cards
Net banking
Cash on Delivery (COD)

Bechna supports all these out of the box.

Common Mistakes Beginners Make

Avoid:

Using manual UPI QR screenshots
Ignoring COD option
Choosing gateways with long settlement cycles
Complicated checkout flows

Simple setup = higher conversions.

Payment Gateway Security & Compliance

Modern gateways offer:

PCI compliance
Encrypted transactions
Fraud prevention
Secure customer data

Bechna works with secure, bank-grade gateways.

Why Bechna Is Ideal for Beginners

Bechna removes technical barriers.

You get:

Built-in payment gateway
Zero platform commission
Direct bank settlements
Mobile-first management
Easy onboarding

Perfect for first-time ecommerce sellers in India.

Ecommerce Payment Gateway Setup for Beginners (India Guide)