Why do Razorpay/Cashfree keep asking for a company, can't I just use my personal bank account?
The short answer
Payment gateways in India are required by RBI/KYC norms to onboard a registered business entity, a company, LLP, or at minimum a proprietorship with a current account and GST, not a personal savings account, so you can't legally run a D2C storefront off your personal UPI/bank account beyond very small hobby-scale sales. Opening a current account needs your incorporation certificate, PAN, and usually GST registration, which is exactly why gateways and courier partners push you toward formal registration early. Treat the gateway/current-account requirement as your forcing function to register properly rather than something to work around.
A quick summary to orient you. The real value is below: the resources worth your time, from people who've actually done it, not us.
Here are the resources
Hand-picked from around the web, each with a note on why it earns your time. India-specific ones carry a badge.
Why we picked it
The rare guide written specifically for D2C founders rather than generic startups, it walks through incorporation, GST, trademark and product licenses as one connected checklist instead of siloed topics.
Why we picked it
Zooms out beyond just incorporation to the full 'ready to sell' checklist, GST, current account, licenses, which is exactly the sequencing question new founders actually have.
Why we picked it
A founder-friendly, flat-fee registration product bundled with a zero-balance current account, useful if you'd rather not shop around for a CA and want banking sorted in the same flow.
