One of the biggest concerns for online sellers in India is getting paid on time and directly — without delays, hidden commissions, or third-party holding accounts.

If you’re selling online, the safest and most professional way is to receive payments directly into your bank account.

This guide explains how direct bank settlements work for online orders in India, what you need, and the easiest way to set it up.

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What Does “Direct Bank Payment” Mean?

Direct bank payment means:

• Customers pay online at checkout

• Money goes straight to your bank account

• No platform holds your funds

• Settlements happen instantly or within T+1

This gives sellers full control over their revenue.

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Why Direct Bank Payments Matter for Sellers

Getting paid directly helps you:

• Avoid payout delays

• Improve cash flow

• Track income easily

• Reduce dependency on platforms

• Build trust in your business

For small businesses, cash flow is critical.

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What You Need to Get Paid Directly from Online Orders

To receive direct bank payments, you need:

1. A valid business bank account

2. A payment gateway supporting direct settlements

3. An ecommerce platform integrated with the gateway

4. Proper KYC and business details

Setting this up manually can be confusing.

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How Online Payments Reach Your Bank Account

Step 1: Customer Makes Payment

Customer pays via:

• UPI

• Debit/credit card

• Net banking

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Step 2: Payment Gateway Processes the Transaction

The payment gateway:

• Verifies payment

• Confirms order

• Initiates settlement

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Step 3: Settlement to Bank Account

Based on gateway plan:

• Instant settlement

• T+1 or T+2 payout

Money is credited directly to your bank.

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Common Problems Sellers Face

Many sellers experience:

• Platform-held balances

• Long settlement cycles

• Hidden charges

• Multiple dashboards

This makes financial tracking difficult.

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Easiest Way to Receive Direct Bank Payments in India

Use an Ecommerce Platform with Built-In Gateway

Platforms like Bechna simplify everything.

With Bechna, you get:

• Built-in payment gateway support

• UPI, cards & COD

• Direct bank settlements

• Zero platform commission

• Clear transaction tracking

No technical setup. No manual integration.

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Direct Bank Payments vs Marketplace Payments

Feature	Direct Bank Payment	Marketplace Payout
Control	Full	Limited
Settlement Speed	Fast	Often slow
Commission	Gateway only	Platform + fees
Transparency	High	Medium

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Security & Compliance

Direct bank payments via Bechna are:

• PCI-compliant

• Bank-grade encrypted

• Secure and reliable

This protects both sellers and customers.

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Who Should Use Direct Bank Settlements?

Direct bank payments are ideal for:

• Small ecommerce businesses

• D2C brands

• Social media sellers

• Local Indian stores

• Service-based sellers

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Why Bechna Is a Smart Choice

Bechna removes complexity from online payments.

You get:

• Payments straight to your bank

• No platform commission

• Mobile-first management

• Easy onboarding

• Full control over your business

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https://bechna.app/