10+ Shopify Payment Methods for Seamless Checkout in 2025

Want to boost your Shopify store’s checkout conversion rates? One secret lies in choosing the right Shopify payment methods. A smooth checkout experience is key to turning visitors into customers.

In 2025, here are the top popular payment options that can transform your checkout process:

• Debit & credit cards
  
• Bank transfers
  
• Digital wallets
  
• Buy now, pay later
  
• Auto-pay for subscriptions
  
• Cash 
  
• Store credit 
  
• Cryptocurrency 
  
• Money orders
  

Ready to learn how each of these works, their pros and cons, tips, and how to set them up for your store? Let’s dive in. 

What You Need to Know About Shopify’s Payment Ecosystem? 

Shopify’s payment ecosystem is designed for flexibility, security, and growth. At its core is Shopify Payments, the platform’s built-in gateway. It supports major credit cards, Apple Pay, Google Pay, Shop Pay, and Buy Now Pay Later. Payouts are fast, and there are no extra transaction fees.

Some Shopify payment options

Currently, Shopify Payments is available in 39 countries, including the US, Australia, France, Germany, etc. Merchants outside these regions must use third-party gateways like PayPal, Stripe, or Authorize.net, incurring an extra fee ranging from 0.2% to 2%, depending on the Shopify plan.

To improve checkout and reduce abandonment, Shopify supports accelerated payment methods like Shop Pay and Apple Pay, and options like Klarna and Afterpay. For offline businesses, Shopify also offers manual payment methods like cash on delivery and bank transfers, plus Shopify POS payment methods for retail stores.

In short, Shopify’s payment ecosystem simplifies checkout, boosts conversions, and supports businesses, whether you're selling locally or globally.

What Are the 10 Best Shopify Payment Methods?

1. Dedit card

Debit cards are one of the best payment methods for Shopify, offering a familiar and accessible option for most shoppers. In the U.S., over 80% of people aged 15+ own at least one, making this a key part of your Shopify payments. Since debit cards pull directly from a customer’s bank account, they’re often preferred for everyday purchases.

Gymshark uses debit card as a default payment for their Shopify store. Source: Gymshark

Pros:

• Widely adopted, increasing conversion potential
  
• Fewer chargebacks due to limited debt risk
  
• Quick processing through Shopify Payments
  

Cons:

• Failed payments if the customer's balance is low
  
• Slightly less fraud protection than credit cards
  

💡Tips for merchants:

To accept debit cards efficiently, enable Shopify Payments or, if unavailable in your region, integrate a trusted gateway like Stripe. Ensure support for major card networks like Visa and Mastercard, and display their logos clearly below the Add to Cart button to reassure customers. This simple step helps build trust and can boost conversion rates.

2. Credit card 

Credit cards remain a cornerstone of popular Shopify payment methods, offering customers flexibility, rewards, and strong buyer protection. Their popularity is rising due to cashback programs, installment features, and fraud coverage that debit cards don’t offer.

In the U.S., over 70% of adults own at least one credit card, with most holding three to four. In the EU, credit cards account for over half of online payments, and in Australia, 75% of eCommerce purchases are made using credit cards. This makes credit cards a must-have payment option for online stores.

Allbirds sets credit card as its default payment. Source: Allbirds

Pros:

• Trusted by shoppers worldwide
  
• Higher likelihood of upsells and larger cart sizes
  
• Fast payment processing
  
• Good fraud and chargeback protection
  

Cons:

• Higher fees per transaction
  
• Risk of chargebacks if there’s a dispute
  
• Need to follow card network rules
  

💡Tips for merchants:

Like Debit card, you also should use Shopify Payments or connect a gateway like Stripe to accept Visa, Mastercard, Amex, and Discover. Showing card logos below the Add to cart button helps build trust and increase sales.

Did you know that if you’re on the Shopify Plus plan, you can fully customize your checkout page to unlock more upsell and cross-sell opportunities? Just like Allbirds above - notice how they suggest complementary products right at checkout.

But why stop there?

Upselling and cross-selling should happen at every step of the customer journey - from popups and limited-time offers to bundles, discounts, and personalized product recommendations. That’s where FoxKit All-in-One Upsell & Cross-sell comes in. No need for multiple expensive apps. Simple, seamless, and designed to boost your average order value.

3. Bank transfers (including account-to-account/A2A)

Bank transfer is one of the Shopify accepted payment methods, ideal for large orders, B2B sales, or regions where cards aren’t widely used. This includes both traditional bank transfers and account-to-account (A2A) payments - real-time, direct transfers between bank accounts enabled by modern open banking systems.

A2A payments are taking off around the world. Source: FIS

For merchants, A2A payments offer a cost-effective alternative to card processing. Funds typically settle faster, improving cash flow and reducing reliance on third-party gateways.

Pros:

• No Shopify transaction or gateway fees
  
• Good for large or custom orders
  
• Useful in regions with strong banking systems
  

Cons:

• Manual verification adds extra steps
  
• Delayed fulfillment due to processing time
  
• Risk of incomplete payments or cart abandonment
  

📝Regional notes:

• US: ACH transfers can take 2–3 days and may incur sender fees
  
• UK: Faster Payments are instant and free
  
• AU: OSKO transfers are quick, but confirmation may take time
  

💡Tips for merchants:

Since Shopify doesn’t automate bank transfers, you’ll need to confirm payments manually. To avoid delays, clearly display your bank details at checkout, send follow-up reminders, and set a payment deadline to manage orders efficiently.

4. Digital wallets

Digital wallets are among the best Shopify payment methods, ranking #1 in global eCommerce with 50% of transaction value in 2023, expected to reach 61% by 2027. These apps run on smartphones, tablets, and smartwatches, linking to a customer’s credit card, debit card, or bank account.

Digital wallet ranks in the top 1 in eCommerce payment methods in terms of transaction value. Source: FIS

With one-tap checkouts, digital wallets eliminate the need to enter payment details manually, cutting checkout time and helping reduce cart abandonment. Shopify supports all major digital wallets, making it easy to offer a smooth and secure checkout experience.

Apple Pay

Apple Pay lets iOS users check out using Face ID or Touch ID. It’s fast, secure, and optimized for mobile.

👉 Related article: How to add Apple Pay to your Shopify store

Google Pay

Designed for Android users, Google Pay pulls stored details from users' Google accounts. No extra login is needed; just tap and go.

Shop Pay

Shop Pay is Shopify’s wallet and one of the fastest payment methods. It saves customer info for one-click checkout.

 👉 Wanna know more about Shop Pay? Read What is Shop Pay and why it matters

Meta Pay

Meta Pay works across Facebook and Instagram, allowing customers to pay using stored card information. Ideal for social selling.

PayPal

Trusted worldwide, PayPal supports one-click checkout without needing to share card details. It's one of the most popular Shopify payment methods.

Glossier uses Shop Pay, PayPal, Google Pay as accelerated checkout method. Source: Glossier

Pros:

• Faster checkout = reduced cart abandonment
  
• Mobile-first and perfect for social commerce
  
• Higher security with tokenization and biometrics
  
• Supports one-click repeat purchases (especially Shop Pay and PayPal)
  
• Grows with global trends in contactless and app-based payments
  

Cons:

• Not every customer uses digital wallets (e.g., older demographics)
  
• Requires Shopify Payments to enable most wallets
  
• Some wallets (like Meta Pay) are limited to specific platforms (e.g., Facebook, Instagram)
  

💡Tips for merchants: 

As the leading payment method globally, both in eCommerce and at POS, digital wallet acceptance is mandatory for merchants in all consumer-facing verticals. So that:

• Enable multiple wallets in Shopify, diversify the ways that customers pay
  
• Use Shopify’s dynamic checkout buttons to automatically show the right wallet based on the customer’s device.
  
• Track conversions from each wallet in your analytics to optimize performance.
  

5. Buy now pay later (BNPL)

BNPL lets customers split purchases into interest-free installments, offering a flexible, credit-free alternative at checkout. Once seen as niche, BNPL is now a mainstream Shopify payment method.

Globally, BNPL’s eCommerce transaction value is projected to grow at 16% CAGR from 2022 to 2026, signaling sustainable growth and strong consumer interest, especially in uncertain economic times.

Global BNPL % ecom transaction value will increase to 6% in 2026. Source: FIS

Shopify accepted payment methods that support BNPL include Shop Pay Installments (US), Klarna, Afterpay, and PayPal Pay Later, etc. 

Steve Madden allows customers to use Shop Pay, Afterpay, and Klarna for BNPL services. Source: Steve Madden

Pros: 

• Boosts conversion and AOV by removing upfront payment barriers
  
• Appeals to younger shoppers who avoid credit cards
  
• Easy to integrate via major Shopify payments
  

Cons:

• Merchant fees may be higher than standard cards
  
• Risk of overuse for shoppers and potential regulatory scrutiny
  

💡Tips for merchants:

• Offer at least one BNPL option to meet rising demand
  
• Highlight BNPL availability on product pages and checkout
  
• Monitor performance and adjust messaging for seasonal sales campaigns
  

6. Auto pay (Subscription)

Auto Pay, or subscription billing, is another one of Shopify payment methods. It lets customers pay automatically at set intervals - perfect for coffee, skincare, supplements, and pet products. It drives recurring revenue and boosts customer lifetime value.

Magic Spoon enables a subscription payment for their products. Source: Magic Spoon 

On Shopify, you can enable subscriptions using apps like Recharge, Skio, or Bold Subscriptions, etc integrated with Shopify Payments or third-party gateways.

Shopify subscription apps. Source: Shopify App Store

Pros:

• Builds predictable, recurring revenue
  
• Strengthens retention with passive customer commitment
  
• Improves cash flow and business planning
  

Cons:

• Requires more upfront setup (app + compliance with Shopify's Subscription APIs)
  
• Churn risk if customers forget or don’t perceive continued value
  

💡Tips for merchants:

• Use clear messaging around flexibility (pause, skip, cancel subscription anytime)
  
• Offer discounts or perks for subscribers
  
• Analyze churn data to refine retention strategies
  

7. Cash

While still used in certain regions, cash is declining as a payment method for Shopify merchants. It’s expected to drop to less than 10% of global POS transaction value by 2026 due to the rise of digital and contactless payments. Factors like convenience, security, and faster processing are shifting buyer preferences away from cash.

Global cash transaction value decreased over years. Source: FIS

Pros:

• Useful for local deliveries or in-store sales via POS
  
• No transaction or gateway fees
  
• Fits markets with low digital adoption
  

Cons:

• Higher risk of refused COD orders
  
• Slower and more manual order confirmation
  
• Not ideal for scaling global online businesses
  

💡 Tips for merchants:

• Use Shopify’s manual payment settings for COD
  
• Always set clear policies on payment timelines and cancellations
  

Cash is no longer the dominant choice but still relevant in selected payment methods for Shopify.

8. Store credit 

Store credit is among the flexible Shopify payment methods used to retain revenue and build loyalty. Instead of issuing refunds to a customer’s original payment method, you can offer credit to use on future purchases. Customers typically receive store credit through refunds, loyalty programs, or referral rewards, making it a great tool for encouraging repeat orders.

Kswiss implements a loyalty program, enabling customer can redeem points for store credit. Source: Kswiss

Pros:

• Boosts customer retention
  
• Keeps money circulating within your store
  
• Enhances the value of loyalty and referral programs
  

Cons:

• Not a built-in Shopify feature - requires third-party apps or custom setup
  
• May confuse if not clearly explained
  
• Some shoppers prefer traditional refunds
  

💡 Tips for merchants: 

• Use apps like Rise.ai or Smile.io to manage and automate store credit
  
• Clearly communicate how and when credit is issued
  
• Use it strategically with loyalty and referral programs
  
• Track credit usage to refine your marketing offers
  

9. Cryptocurrency

Cryptocurrency is one of the emerging Shopify payment methods. Though it’s still niche, accounting for less than 0.2% of global eCommerce transaction value.

While Shopify Payments doesn’t support it directly, you can integrate crypto through third-party apps like BitPay, Coinbase Commerce, or NOWPayments. It enables fast, secure, global transactions with low fees and no chargebacks. Crypto appeals to tech-savvy and international buyers, especially in privacy-conscious markets.

The Crypto Merch allows customers to pay with cryptocurrency. Source: The Crypto Merch

Pros: low fees, borderless payments, no chargebacks

Cons: price volatility, limited customer adoption, extra setup

💡 Tip for merchants: Only enable crypto if it fits your audience. Use auto-conversion to avoid losses from price swings.

10. Money orders

Money orders are among the manual Shopify accepted payment methods best suited for niche customers who avoid online banking. Shoppers buy a money order at a bank or post office and mail it to your business. You confirm the order manually after receiving the payment.

Pros: good for unbanked customers, secure like cash

Cons: slow processing, mail delays, not scalable

💡 Tips for merchants: State instructions at checkout, set a time limit, and verify authenticity before fulfilling the order. Ideal for low-volume or specialty stores.

How to Choose the Best Shopify Payment Methods

Choosing the best Shopify payment options depends on who you're selling to, what you’re selling, and how you want to grow. Start with Shopify Payments (if you are in countries Shopify supports) - it’s easy to set up, has no extra transaction fees, and supports popular options like Shop Pay, Apple Pay, and Google Pay.

Understand the fees and costs involved. Some gateways charge more for currency conversion or cross-border sales, so be sure to check what works best for your margins. Then consider where your customers are. Payment preferences vary - credit cards may dominate in the US, while wallets or bank transfers are common in other regions.

A smooth checkout experience is key. Digital wallets and express checkout options help reduce friction and cart abandonment. If you sell subscriptions or high-ticket items, support options like auto-pay and BNPL. 

In short, offer what’s most popular and fastest in your region, and combine as many Shopify payment methods as possible. The more flexible you are, the easier it is for your customers to say “yes.”

Now that you understand how to choose the right Shopify payment methods, it’s time to set them up.

But before diving in - if you're new to Shopify or need a quick refresher - check out this step-by-step Shopify tutorial to make sure your store setup is solid from the start.

How to Add Payment Methods to Shopify?

Setting up your payment method is a key step to start selling. Here's how to do it right:

1. From your Shopify admin, go to Settings > Payments.
2. Choose a payment provider - Shopify Payments, PayPal, or a third-party gateway. Pick one that’s available in your region and fits your business model.
   

If you’re eligible for Shopify Payments, follow the setup guide. It’s the easiest option with no extra transaction fees and supports popular methods like credit cards, Shop Pay, and Apple Pay.

📽️Watch the setup video for step-by-step help.

If Shopify Payments isn’t available, click Choose a provider, select a third-party gateway, and install it. Once done, return to Payments settings to configure.

Choose payment provider and payment method in Shopify payment

In your payment settings, you can customize:

• Payment capture method: Choose between auto-capture (charges immediately) or manual capture (review orders first).
  
• Manual payment methods: Enable offline options like Cash on Delivery or Bank Transfer for local or regional payments.
  
• Payment method customizations: Use third-party apps to customize payment instructions at checkout for clarity.
  
• Gift card expiration: Set expiration rules for digital gift cards based on local laws.
  
• Apple wallet passes: Customize gift cards and order confirmations to appear professionally in Apple Wallet.

Now you know how to add more payment methods on Shopify - customize your setup to match your store’s needs.

📚Want to take things further? Learn how to customize your Shopify checkout to match your brand and boost conversions.

Payment Methods for Shopify - FAQs

What payment methods does Shopify accept?

Shopify supports credit cards, debit cards, PayPal, Apple Pay, Google Pay, Shop Pay, Meta Pay, and local wallets via Shopify Payments or third-party gateways like Stripe and 2Checkout.

Does Shopify accept debit cards?

Yes, Shopify does accept debit cards - both for store payments from customers and for merchant billing.

Do you need a credit card for Shopify?

A credit card isn’t required to start your store, but you’ll need one to pay Shopify subscription fees unless you use a debit card with credit capabilities.

Does Shopify accept Cash app?

Yes, you can accept payments via Cash App Pay on Shopify. While Shopify doesn’t natively support Cash App, you can set it up as a manual payment method or use a third-party integration like Checkout Republic to connect Square and enable Cash App Pay at checkout. 

How to add different payment methods on Shopify?

Go to Settings > Payments, select Shopify Payments or a third-party provider, then enable options like PayPal, digital wallets, or manual methods like COD.

Final Thoughts

Choosing the right Shopify payment methods is essential for speeding up the checkout process. By offering a variety of payment options, including cards, wallets, and BNPL, you can cater to different buyer preferences. 

Want more tips on optimizing your store? Head to the FoxEcom blog for expert insights on Shopify setup, growth, and beyond.