Every payment made with a credit card involves the transfer of funds to a merchant account, which a merchant (that is you) holds directly with a bank. The merchant has full responsibility for the transactions that occur with their account, and each bank has its own terms of service to which account-holders must adhere. If you want to accept credit card payments through your Hipkart store, you will need either a merchant account of your own or the services of a third-party payment processor like PayPal