How to Accept Payments as a Seller in India

We’re gradually adding the ability for sellers in India to accept orders from buyers in India. We can’t add this functionality by request, but once it’s available in your shop, you’ll see a message to enroll in your Payment settings.

As an Etsy seller in India, you can accept payments from buyers in India via local payment methods such as UPI and Net Banking. These payments are processed by a third-party provider, Razorpay. These payment methods are specific to India and not available to users in other countries.

You can also accept payments from buyers outside of India with your PayPal account. All you have to do is make sure the PayPal email address is added to your Payment settings.

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How to determine which countries you sell to

As a seller in India, you can sell to buyers in India and around the world. Your shipping settings determine which countries you sell to. If you list digital items, these can be purchased by buyers in any region. Learn more about your shipping destination settings.

How to accept payments from buyers in India

To accept payments from buyers in India, you must enroll in domestic payments. If you’re a new seller, enrolling in domestic payments is part of the shop opening process.

  1. Go to your Payment settings.
  2. Select the Enroll Now button that appears in the banner.
  3. Follow the instructions to complete the enrollment process.

India buyers must have their currency set to INR to be able to see the local payment methods and check out from your shop. If a buyer lets you know they don’t see the option to check out, let them know to check their currency. You can share our articles for changing your browsing currency and paying with UPI and Net Banking.

Your ability to accept payments from buyers in India is in accordance with an agreement entered into between Etsy and Razorpay and the India Payment Terms. Your relationship with Razorpay is independent of Etsy and is governed by Razorpay’s Terms and Conditions.

Should I enroll as an individual or a business seller?

During the enrollment process, you’ll have to choose whether you’re an individual or a business seller.

Enroll as an individual if you don’t have a business registered as a legal entity within your local jurisdiction.

If your bank account is registered in your trade name you must enroll as a business and select Sole proprietorship under type of business. If your bank account is registered in your own name you must enroll as an individual.

Enroll as a business if it falls under one of these categories:

  • Sole proprietorship
  • Private Limited
  • Public Limited
  • Partnership
  • Trust
  • Limited Liability Partnership (LLP)
  • Non-governmental organization (NGO)
  • Hindu Undivided Family (HUF)

Depending on the type of business you select, we ask you to provide additional information so we can verify your identity. Identity verification is necessary for us to deposit funds from your sales into your bank account.

  • Country of residence
  • First and last name
  • Date of birth
  • Permanent Account Number (PAN) Learn more about PAN and where to find it.
  • Nationality
  • Taxpayer address
  • Phone number
  • Goods and Services Tax Identification Number (GSTIN),
    • While GSTIN is optional for individuals, we encourage you to register one and add the identification number to your account. If you don’t add a GSTIN, Etsy will be required to charge GST on selling fees and remit to the tax authorities in India.
  • Bank account info
  • IFSC code
  • Account Number

  • Country
  • Type of Business
  • Name of legal entity (business name)
  • Address
  • Phone number
  • Goods and Services Tax Identification Number (GSTIN).
    • While GSTIN is optional for sole proprietorships, if you don’t add a GSTIN, Etsy will be required to charge GST on selling fees and remit to the tax authorities in India. We encourage you to register for one and update your account once you have the identification number.
  • Primary shop owner information
    • First and last name
    • Address
    • Phone number
    • Date of birth
    • Permanent Account Number (PAN). This must be your personal PAN number and not your business PAN. Learn more about PAN and where to find it.
    • Additional beneficial owner (optional)
  • Bank account info
    • IFSC code
    • Account Number

When to expect your funds from domestic sales

The Available for deposit amount is deposited to your bank account on Mondays. If Monday is a bank holiday, the deposit will be sent the next business day. It isn't possible to change the deposit schedule at this time.

If a reserve is placed on your seller account, a percentage of funds from each new sale of a physical item is set aside until the order is in transit with valid tracking or for 45 days if valid tracking is not provided. The Payment account reserve ends after 90 days, unless the shop receives an Etsy policy violation during the reserve period.

Learn more about Payment account reserves.

Payment processing fees for selling on Etsy

When you process an order from a buyer within India there is a payment processing fee of 3% + 10 INR based on the total amount of the order: Item cost + shipping + tax, minus any discounts. This is in addition to the 6.5% transaction fee that applies to the cost of the entire order.

Etsy also charges fees when you list and renew an item and if you use optional, additional services. Learn more about fees on Etsy.

When you process an order from a buyer outside of India, PayPal collects the payment processing fee, not Etsy. Read about PayPal fees.

How to view and pay your account balance

When you sell to buyers in India, you can review your balance from sales and fees in your Payment account.

When you have a balance of Etsy fees not paid for by your sales, you receive an Etsy billing statement via email on the 1st of the month. You can pay your amount due between the 1st and 15th of the month.

You can pay your account balance using either your UPI ID or a credit/debit card. To update your payment method, go to the Billing section of your Payment settings.

Learn more about paying your Etsy shop balance.

When paying with UPI, keep in mind that there are daily limits to how much money you can send using UPI. Each bank has their own limit but typically the max limit per day is ₹1,00,000. If you exceed this limit, your payment will fail. We recommend making multiple smaller payments instead. View a list of banks and their UPI limits.

When a buyer outside of India purchases from your shop

When a buyer outside India purchases from you, funds from sales are sent directly to your PayPal account. You won’t see the funds from PayPal orders reflect in your Etsy Payment account, and these funds aren’t used toward your Etsy fees. However, Etsy fees accrued from your PayPal sales will be deducted from available balance on Etsy before it's paid out to you.

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