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Do I need to set up a separate bank account for my business? What if a customer wants to pay by credit card? A: That's a great problem to have. While most start-up businesses struggle to find customers, it seems like you've got that problem licked. Now all you need to do is find a place to stash your money. While you don't need any special license or permit to start accepting money from customers, there are some business basics that you should be aware of--especially if you've incorporated your business under a name that's different from your own. Set up a business bank account.