Digital wallets have become the fastest-growing payment method in ecommerce, with Apple Pay and Google Pay now accounting for a significant share of online transactions on mobile. For merchants, the question is no longer whether to offer digital wallets — it’s which ones to prioritize and how to optimize them for maximum conversion.
The Major Digital Wallet Options
Apple Pay
The highest-performing wallet for US ecommerce. Available on iPhone, iPad, Mac, and Apple Watch. Requires Face ID or Touch ID authentication. ConvesioPay Q1 2026 data: 5.8x fewer chargebacks than standard cards, less than half the decline rate, $146 average order value. Prioritize this wallet for any merchant with significant US mobile traffic.
Google Pay
Android’s native wallet. Available on all Android devices. Supports the same tokenized, biometric-authenticated checkout as Apple Pay. Growing share on Android, particularly in markets where Android is dominant. Similar fraud and conversion benefits to Apple Pay on Android devices.
Click to Pay
Visa, Mastercard, Amex, and Discover’s standardized card-on-file wallet. Device-agnostic — works on any browser using email-based recognition. Best for reaching customers who aren’t using device wallets. See our Click to Pay guide for more detail.
PayPal
Still significant, particularly for older demographics and international customers. PayPal’s buyer protection appeals to customers hesitant to enter card details on unfamiliar merchants. PayPal chargebacks have their own dispute process separate from card network rules.
Regional Wallets
For merchants with significant international volume: Alipay and WeChat Pay for Chinese customers, iDEAL in the Netherlands, Bancontact in Belgium, SOFORT in Germany. Adyen’s infrastructure (which ConvesioPay is built on) supports these regional payment methods without separate integrations.
Which Wallets to Enable First
For most US WooCommerce merchants, the priority order is: (1) Apple Pay — highest impact across fraud, conversion, and AOV; (2) Google Pay — captures Android users; (3) Click to Pay — extends coverage to non-wallet device shoppers; (4) PayPal — maintain for customers who prefer it. Avoid disabling PayPal without analyzing its share of your current checkout conversions.
ConvesioPay’s Wallet Support
ConvesioPay supports Apple Pay, Google Pay, and Click to Pay through a single integration with Adyen. Regional wallets are available for merchants with international volume. All wallet transactions are covered under the standard 2.9% + $0.30 per transaction rate with no monthly fees.
Ready to get started? Learn more about ConvesioPay or view integrations.