This article provides a detailed introduction to the ways TikTok merchants can receive payments, including the steps for binding U.S. bank cards and opening and binding virtual bank cards from third-party payment institutions, to help merchants manage their funds efficiently.

When conducting business on the TikTok platform, merchants need to pay attention not only to products and marketing but also to the payment methods. In 2025, TikTok offers merchants a variety of convenient payment options. The following is a detailed introduction to the ways merchants can receive payments and related operational points, to help merchants manage their funds efficiently.

I. Overview of Payment Methods

(1) U.S. Bank Card Receiving Account

Merchants must use a U.S. bank card for business-to-business (B2B) transactions to receive payments. This method is relatively traditional and stable, and is the first choice for many merchants. By binding a U.S. bank card, merchants can ensure the safe and quick arrival of funds.

(2) Virtual Bank Cards from Third-Party Payment Institutions

In addition to U.S. bank cards, merchants can also receive payments through virtual bank cards opened by third-party payment institutions. This method is easy to operate and can be opened quickly to meet the needs of merchants to quickly start their business.

II. Steps to Bind a U.S. Bank Card

1. Enter Account Settings: Merchants log in to the TikTok Shop merchant backend, click on "My Account" in the left menu bar, and then select "Account Settings".

2. Add Bank Account: On the "Account Settings" page, find and click on the "Bank Accounts" option. After entering the bank account management page, click the "Add your settlement account" button and fill in the relevant information of the U.S. bank card according to the page prompts, including bank name, account number, routing number, etc.

3. Information Confirmation and Submission: After filling in all the information, carefully check to ensure there are no errors, and then submit the binding application. Under normal circumstances, the TikTok platform will review the submitted bank account information, and after the review is passed, merchants can use this account to receive payments.

III. Opening and Binding of Virtual Bank Cards from Third-Party Payment Institutions

1. Choose a Suitable Third-Party Payment Institution: There are many third-party payment institutions in the market that provide virtual bank card services. Merchants should choose based on their own needs and the institution's reputation, fees, and other factors.

2. Open a Virtual Bank Card: Contact the selected third-party payment institution, submit the required materials according to its requirements, complete the registration and identity verification processes, and then you can open a virtual bank card.

3. Bind to TikTok Account: Similar to binding a U.S. bank card, on the "Bank Accounts" page of the TikTok merchant backend, click "Add your settlement account", then select the virtual bank card from the third-party payment institution as the payment method, and complete the binding by filling in the relevant information of the virtual bank card according to the prompts.

IV. Precautions

- Information Accuracy: Whether binding a U.S. bank card or a virtual bank card, merchants must ensure that the filled-in bank account information is accurate. Any incorrect information may lead to payment failure or delayed fund arrival.

- Account Security: Merchants should properly keep their bank account information and login information of third-party payment institutions to avoid disclosure to others. Regularly change passwords to enhance account security.

- Fees and Exchange Rates: Different payment methods may involve different handling fees and exchange rates. When choosing a payment method, merchants should fully understand the relevant fees and exchange rate situations to better plan costs and benefits.

On the TikTok platform, the diversification of payment methods provides merchants with more choices. Merchants should choose the payment method that best suits their own situation according to their actual situation, and strictly follow the operation process for binding and use. By making reasonable use of payment tools, merchants can better manage their funds and promote the continuous development of their business. We hope that the introduction in this article can provide useful references and help for TikTok merchants in the payment aspect, and help merchants achieve greater success on the TikTok platform.

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