The payment methods you offer directly affect conversion. Customers who don’t see their preferred way to pay abandon checkout — and in a mobile-first world, that increasingly means express checkout options like Apple Pay and Google Pay are table stakes. This guide covers every payment method category available for WooCommerce stores and how to evaluate which ones to enable.
ConvesioPay gives WooCommerce stores access to the full Adyen payment method network — cards, digital wallets, BNPL, ACH, local payment methods, and more — through a single integration. Get started →
1. Credit and Debit Cards
Standard Visa, Mastercard, American Express, and Discover cards remain the dominant payment method for most WooCommerce stores. Any payment gateway you consider should support all four major networks.
What to verify:
- All four major card networks supported (Visa, Mastercard, Amex, Discover)
- 3DS2 authentication available (essential for fraud protection and EU SCA compliance)
- AVS and CVV checks enabled
- Tokenization for saved card support (enabling “remember my card” for returning customers)
2. Digital Wallets
Apple Pay
One-tap checkout for iPhone, iPad, and Mac users. Biometric authentication; no card number entry. Apple Pay transactions decline at less than half the rate of standard card entry (source: ConvesioPay Q1 2026 Report). Available on approximately 55% of US smartphones. See WooCommerce Apple Pay: How to Set Up Apple Pay for Your Store.
Google Pay
One-tap checkout for Android users. Similar fraud prevention benefits to Apple Pay — tokenized transactions, device authentication. Available on most Android devices.
PayPal
Significant buyer base who prefer to pay via PayPal wallet, particularly for higher-value purchases where they want buyer protection. Most effectively offered as a secondary option alongside your primary card gateway.
Recommendation: Enable Apple Pay and Google Pay as a priority — they’re the highest-converting express checkout options and add no friction for customers who don’t use them (they simply don’t appear).
3. Buy Now, Pay Later (BNPL)
BNPL allows customers to split purchases into installments, typically with no interest if paid within a promotional period. Major BNPL providers:
- Klarna — available globally; strong European presence; offers Pay Later, Pay in 4 installments, and financing
- Afterpay / Clearpay — popular in US, Australia, and UK; Pay in 4 installments
- Affirm — US-focused; good for higher-AOV purchases; monthly installment plans
- Zip — available in multiple markets; similar Pay in 4 model
BNPL is particularly effective for AOVs above $50 where installments make the purchase feel more affordable. Some merchants see 20–30% lift in AOV when BNPL is available. Merchants receive the full payment amount immediately (the BNPL provider takes on the installment risk).
ConvesioPay provides access to Klarna, Afterpay, and other BNPL providers through Adyen’s network.
4. ACH / Bank Transfers
ACH (Automated Clearing House) allows US customers to pay directly from their bank account. Advantages:
- Lower processing fees than cards (typically $0.20–$0.50 flat, or 0.5–0.8%)
- No chargebacks in the traditional sense — disputes go through a different (and less merchant-hostile) process
- Better for high-value B2B transactions where card fees are significant
Limitations: 1–3 business day settlement vs. next-day for cards; slight friction for consumers who prefer the convenience of cards. Best suited for high-AOV or B2B sales.
5. Local Payment Methods
If you sell internationally, local payment methods can significantly improve conversion in specific markets:
| Region | Payment method | Notes |
|---|---|---|
| Netherlands | iDEAL | Direct bank transfer; dominant method in NL |
| Germany | SEPA Direct Debit, Giropay | Bank-based payments widely preferred |
| Brazil | Pix, Boleto | Real-time payments and voucher-based payments |
| Mexico | OXXO | Cash voucher payment at convenience stores |
| Poland | BLIK, Przelewy24 | Domestic payment systems |
| Southeast Asia | GrabPay, GoPay, PromptPay | Regional digital wallets |
ConvesioPay’s Adyen infrastructure supports 150+ payment methods globally. If you’re selling in specific international markets, enabling local payment methods for those regions typically increases conversion meaningfully.
6. Prioritizing Which Methods to Enable
A practical prioritization framework:
- Cards (all four networks) — always; the baseline
- Apple Pay and Google Pay — high impact, zero friction for non-users; enable immediately
- BNPL — valuable if your AOV is above $50 and you sell to consumers
- Local payment methods — enable if you have meaningful traffic from specific international markets
- ACH — valuable for high-AOV or B2B; lower priority for consumer e-commerce
- PayPal — worth offering as a secondary option for its installed user base
ConvesioPay gives WooCommerce merchants access to cards, Apple Pay, Google Pay, BNPL, and 150+ local payment methods through a single integration. Get started →