Why do Razorpay/Cashfree keep asking for a company, can't I just use my personal bank account?
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.
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3 resources, 3 India-specific, 3 link-checked.
🛠️ Tool
✓ Link checkedIndiaPaidBeginner
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.
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.
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.
