How to Accept Card and Net Banking Payments for Digital Products in India

UPI covers most Indian buyers, but not all of them. Corporate buyers paying by credit card, older customers who prefer net banking, and anyone outside India all need another option. A single checkout page that takes cards, net banking and UPI solves this, and in the Viralyze app that page is created for every digital product you list.

This guide explains what is involved, what a creator does and does not have to set up, and how the money reaches you.

Do you need your own payment gateway account?

No. Setting up a gateway directly means paperwork, website integration and a developer. For a creator selling a ₹499 ebook, that is a lot of friction for one product.

Instead, Viralyze processes payments through an RBI-authorised payment aggregator. You add the product, the checkout page is created, and card, net banking and UPI options appear on it. There is no code to add and no gateway dashboard to manage.

How do you set up a card-ready checkout for a digital product?

The process is the same for ebooks, templates, presets, notes and audio files:

1. Add a digital download in the Shop and upload the file. 2. Write the description, including file format and size. 3. Set the price. GST is included where applicable, and international buyers see USD. 4. Save; the checkout page is live with cards, net banking and UPI enabled. 5. Share the link in your bio or by Auto-DM on a reel.

A designer selling a Canva template pack at ₹699 might describe it as "24 Instagram carousel templates, editable in free Canva, delivered as a link file after payment". That one line prevents most pre-sale questions.

Which payment methods do Indian buyers actually use?

In our experience, UPI dominates for anything under a few thousand rupees, cards show up more for higher prices and for buyers paying from a company card, and net banking is chosen by a smaller group who prefer it. Offering all three on one page means you never have to ask "which method works for you?" in a DM.

Because the checkout handles the choice, you do not need separate links. One checkout link per product is enough for your bio and your Auto-DMs.

How do international customers pay?

With their card. Viralyze works internationally and displays pricing in USD to buyers outside India, so a follower in Dubai or London can buy the same template pack without a special process on your side.

If a meaningful share of your audience is abroad, mention the USD price in your reel's caption or the DM so nobody is surprised at checkout.

When does the money reach your bank?

Payouts are weekly. Every sale is recorded against the buyer, who becomes a contact with a source tag, and your home screen shows revenue over 7, 30 or 90 days.

There is no per-sale platform fee, so your take is the price minus payment processing by the aggregator. Flat subscription pricing means a creator selling 500 copies of a ₹199 template pays the same monthly plan as one selling 50.

Frequently asked questions

**Is card data stored by the creator app?** No. Card details are handled by the RBI-authorised payment aggregator on the checkout, not by you or by the app.

**Can buyers pay in EMI or with wallets?** Payment options are what the aggregator offers on the checkout; UPI, cards and net banking are the methods you can count on.

**Do I need to issue invoices?** That depends on your registration and turnover. The checkout shows GST-inclusive prices where applicable; speak to an accountant about invoicing rules for your situation.

Start your 7-day free trial of Viralyze today, no card needed, and let every buyer pay the way they prefer on one checkout.