Once you have added a listing to your shop, you will need to organise your payment preferences.
Here is where you will need to decide whether you want customer payments to be made into your personal account, or use/open a business bank account to keep the your business finances separate.
Click the Your Account icon, then click Shop Manager.
Click Finances.
Click Payment account.
If you decide to enrol in Etsy Payments, your seller fees will be automatically deducted from your sales. This means that you will either have money Available for deposit into your bank account or owe Etsy fees (shown as Amount due). In this case, you will need to set up a disbursement schedule to withdraw funds to your bank account, or click Request it now to receive your funds the next day.
If prefer not to enrol in Etsy Payments, your fees will appear as Amount due while your sales funds will be directly processed through the payment method you decide to use.