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Top 10 Ways to Accept Payment Methods for Your Online Store

Discover the top 10 payment methods for your online store, including PayPal, Stripe, and Amazon Pay.

Quick Summary


In today's digital age, offering multiple payment methods for your online store is essential to cater to a diverse customer base. Whether you are a small business owner or managing a large eCommerce platform, having a variety of payment options can significantly enhance the customer experience and boost your sales. This article explores the top 10 ways to accept payment methods for your online store, providing insights into each option's benefits and features.

Key Takeaways

  • Offering multiple payment methods caters to a diverse customer base.
  • Shopify Payments, PayPal, and Stripe are popular choices for many online stores.
  • Security and customer service are crucial factors when choosing a payment method.
  • Some payment methods, like Klarna, offer buy now, pay later options to attract more customers.
  • Integrating various payment options can enhance the overall customer experience and boost sales.

1. Shopify Payments

Shopify Payments is built to make it easy to use for both store owners and customers. The interface is simple and straightforward.

As for pricing, Shopify does not require you to make any additional payments to set up Shopify Payments. Shopify will only charge you your regular store subscription fee, card managing fees, and other related fees.

Shopify Payments does not require any additional transaction fees and allows for real-time monitoring. The interface can be set up and integrated seamlessly, ensuring high-security and a quick checkout process.


  • No additional transaction fees
  • Real-time monitoring
  • Seamless integration
  • High-security features
  • Quick checkout process
  • Lower processing fees compared to other Shopify payment methods


  • Available in a restricted number of countries
  • Shopify may withhold your money temporarily

2. PayPal

PayPal is one of the most well-known online payment methods, trusted by over 220 million customers worldwide. With PayPal, your customers can pay using a wide variety of methods, including credit or debit cards, their PayPal balance, or their bank accounts. This flexibility makes it a popular choice for many online shoppers.

How to Set Up an Online Store with PayPal

Setting up PayPal for your online store is straightforward. Typically, it takes less than a day to set up an account. Once set up, you can integrate PayPal with many major eCommerce platforms, allowing you to add shopping cart, buy now, or donate buttons easily.


PayPal charges different fixed processing fees plus transactional fees based on the selected payment method. It's important to understand these costs to manage your store's finances effectively.

Pros and Cons


  • Trusted by over 220 million customers
  • User-friendly and quick to set up
  • Integrates with many major eCommerce platforms


  • High cost per purchase can be challenging for small businesses
  • Available in a restricted number of countries
Using PayPal converts at significantly higher rates than with any other options, so it should be considered despite the costs.

Store Cash Feature

PayPal's innovative Store Cash feature helps convert users that have abandoned their carts into sales, providing an additional tool to boost your store's revenue.

3. Stripe

Stripe is another popular payment solution that allows you to receive money from your local and international customers. It comes with lots of features that support large-scale growth. This makes it ideal for big eCommerce enterprises.

A great payment method for small businesses and large corporations alike, Stripe offers payment processing services for businesses. This comprehensive platform allows both online and in-person businesses to accept payments digitally, all while preventing fraud with its Radar protection. Stripe integrates with popular online shopping systems like WooCommerce and Shopify.

Regarding versatility, Stripe is a good option in your online store as it provides a feature-rich payment gate. It enables various payment options while accepting payments from a wide range of sources. Also, its simplicity while integration is another reason that makes it popular. If you and your team have limited skills in coding, you can benefit from using Stripe with only a single line of JavaScript on your site.

Stripe's global payments system allows you to grow your business with automated revenue and finance solutions.

4. is a trustworthy Shopify payment processing gateway. The platform is easy to use and packs a lot of features that will interest you. supports online payment processing, e-check processing, and mobile payment processing. It also supports different payment options like Visa, JCB, Discover, MasterCard, Diner’s Club, and American Express. has been in the online payments game since 1996, and it’s trusted by nearly 450,000 merchants. The service helps businesses handle over $149 billion in payments each year.

This platform allows your business to collect money via credit card, contactless payment, and even electronic checks to better suit your customers’ needs. handles everything from authorizing, capturing, and settling payments securely. is a good option because of its versatile choice of plans for both small and bigger businesses. It supports a wide range of currencies, all major cards and digital wallets. It accepts all transactions made by shoppers worldwide; however, to integrate it on your website, your business must be registered in Canada, Europe, Australia, the US, or the UK. also offers a merchant account and fast transfers.

Pricing: offers two different pricing plans with the same fixed monthly fee. The pricing per transaction differs depending on the plan.

5. Opayo

Opayo, formally known as SagePay, is one of the popular Shopify payment solutions available to merchants in the United States and the United Kingdom. A payment option like Opayo is reliable and secure when handling customer transactions. Its reliable system also provides access to different card terminals, online payments, phone orders, and more. However, the level of security in its customer authentication process can be somewhat problematic.

Opayo’s payment software can be used both online and offline. It prioritizes secure transactions, and that is why it has a feature that allows customers to pay using PayPal should they choose to.

One major problem with Opayo is its cumbersome account verification process; it takes about 5 weeks. During this time, you won’t be allowed to manage any transactions. Unlike most of the other Shopify payment options on this list, Opayo is a little different when it comes to pricing. You will have to pay monthly fees instead of transaction fees, starting at 19 GBP for 350 transactions, or less, a month.


  • Reliable and secure
  • Access to different card terminals
  • Supports online and offline payments
  • Allows PayPal payments


  • Cumbersome account verification process
  • Monthly fees instead of transaction fees
  • May be somewhat expensive for some store owners
  • Shopify store owners may find its all-in-one option confusing
Integrate a smooth payment gateway with Opayo Magento 2 for secure, seamless transactions. Enhance user experience and reach a wider audience.

6. Verifone

Verifone, formerly known as 2CheckOut, is a versatile payment gateway that supports 87 currencies and 15 languages, making it ideal for globally operating eCommerce businesses. This platform allows integration with more than 100 online payment systems, providing a comprehensive solution for accepting payments.

Verifone offers a risk management and compliance section to help you track potential fraud and privacy issues. Additionally, it includes a tax calculation feature to simplify tax management for your business.

Pricing Plans

Verifone offers three different pricing plans tailored to various business models:

Pros and Cons


  • Excellent customer support
  • Easy to use
  • Easy integration into Shopify
  • Cheap pricing structure
  • Global reach
  • Support for a wide range of payments


  • Hectic and long account verification and authentication process
Verifone's flat-rate pricing structure and global reach make it a reliable option for online payments.

7. WorldPay

WorldPay is a versatile payment provider known for its secure transaction channels, making it a popular choice for both small and large online stores. This payment method allows you to sell your products online, accept payments over the phone, and via credit/debit cards. WorldPay supports over 120 different currencies and does not charge for refunds, making it a cost-effective solution for global businesses.

Pricing Plans

WorldPay offers two pricing plans:

Pros and Cons


  • Reliable customer service
  • Charges based on the number of sales processed
  • Top-notch fraud protection features
  • Available in over 100 countries


  • Not available to Shopify store owners who sell high-risk products

Key Features

  • Flat-rate pricing structure
  • Global reach
  • Support for a wide range of payments
With WorldPay, you can effortlessly take online card payments using our card payments API, ensuring a seamless transaction experience for your customers.

8. Klarna

Klarna is an excellent Shopify payment solution that is simple to use. It offers a buy now, pay later structure. This structure allows you to offer your customers an instalment payment option, especially if you sell pricey items.

Klarna payments is an omnichannel solution that lets you add Klarna as a payment method to checkout. You can offer Klarna payments to your customers by integrating it into your ecommerce site.

Klarna is gaining the merchants’ favour: They experience an increase of around 45% in their Average Order Value (AOV).


  • Offers a seamless checkout experience
  • Easy integration with Shopify
  • There’s an option of instalment payments
  • Low transaction fees
  • Shopify store owners receive complete payment at checkout


  • Has an ambiguous pricing structure
  • The information on its website is not transparent enough
  • Sluggish customer support



Other than Klarna, the most popular BNPL services are Shop Pay Installments by Shopify, Affirm, Afterpay, and Sezzle. PayPal has introduced its own BNPL service as well.

9. Square

Square is a popular payment solution and one of the best online payment methods for small businesses. Whether you want to offer appointments, sell physical or digital products, or run a restaurant that takes orders online, Square has you covered. You can send invoices and/or collect payments all from this platform, and it even offers a free eCommerce service to help you get your business up and running.

Square is also widely popular for offline in-person payment as well as its eCommerce options. It may be a little pricey compared to other payment gateways; however, it can be a great option if you have both physical stores and an eCommerce business with reliable POS systems and online alternatives. They also have an easy checkout solution that allows shoppers to set up profiles while providing payment information.

Square offers everything from hardware for brick-and-mortar retailers to e-gift cards and a dashboard with analytics to track your success. With Square, you can also manage your payroll — from inputting time cards to automatically paying employees — and open a Square checking account without fees for your business. With its online payment solution, you can also easily add shopping cart buttons, purchase links, and QR codes to help direct clients to your products and services.

Square helps you process both online and offline payments. So whether you run an online store or a physical store, Square is a reliable payment method to use.

What’s more, Square has a number of helpful extensions that can be integrated into your Shopify store. It also has a dashboard that lets you monitor your transactions, cash flow, and even inventory.

As for pricing, Square charges a standard transaction fee of 2.9% + $0.30 per transaction. If you want to get more out of Square, we recommend going for the premium plan that starts at $12/month.


  • Flat-rate pricing system
  • Impressive customer support


  • It is not suitable for large business
  • Accounts may experience stability issues

10. Amazon Pay

Amazon Pay is another brilliant Shopify payment processing gateway for Shopify store owners. It is easy to set up and allows customers to checkout using their Amazon accounts. Amazon Pay has simplified the way customers make online payments by allowing customers to effortlessly utilize their Amazon account information to make purchases. This payment method is available worldwide and transactions made by your customers using this payment method are swift and reliable.

By eliminating the need to enter your credentials and credit/debit card information each time you want to buy something online, e-wallets are becoming highly favourable for people.


  • It is very easy to use
  • Store owners have access to Amazon’s fraud protection system
  • It is easy to set up and integrate into Shopify
  • It saves customers the stress and time that comes with inputting card details


  • It requires an Amazon account for payment
  • Paypal payments are not supported
  • High risk of your account being shut down on suspicion of flouting Amazon’s rules


Amazon Pay offers different pricing models for operations of various sizes. Transaction fees start at 2.9% + $0.30 per transaction.


Choosing the right payment methods for your online store is crucial for ensuring a seamless and satisfying shopping experience for your customers. By offering a variety of payment options, such as credit and debit cards, PayPal, Stripe, and even cryptocurrency, you can cater to a broader audience and potentially increase your sales. Each payment method comes with its own set of pros and cons, so it's essential to evaluate them based on your business needs, scalability, security, and customer service. Ultimately, the goal is to provide a convenient and secure payment process that meets both your business requirements and your customers' expectations.

Frequently Asked Questions

What are the benefits of using Shopify Payments?

Shopify Payments offers seamless integration with your Shopify store, competitive transaction fees, and supports multiple currencies.

Is PayPal a good option for international transactions?

Yes, PayPal is widely accepted and trusted globally, making it a great option for international transactions.

How does Stripe differ from other payment processors?

Stripe offers developer-friendly tools, supports a wide range of payment methods, and has robust fraud prevention features.

What are the advantages of using provides advanced security features, recurring billing options, and extensive customer support.

Can I use multiple payment methods on my online store?

Yes, you can integrate multiple payment methods to provide your customers with more options and improve their shopping experience.

How secure are online payment methods like Verifone and WorldPay?

Both Verifone and WorldPay offer high levels of security, including encryption and fraud detection, to ensure safe transactions.

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