The temu payment card does not necessarily have to be a public account. You can use a personal bank account, but you need to ensure that the account must be real-name authenticated and fill in the correct personal information when binding. For corporate users, it is more convenient and safer to use a public account to receive payments. You can keep abreast of the company's capital flow and it is also more advantageous in terms of taxation.

Therefore, it is recommended that corporate users use a public account to receive payments, while individual users can choose whether to use a public account according to their own needs. Of course, whether it is a company or an individual, you must pay attention to the relevant legal risks and compliance issues when accepting payments.