10 Payment Options Every Shopify Store Should Offer to Maximize Sales

Andrey Gadashevich

CEO | Conversion expert

Cart abandoned. Sale lost. Customer gone.

Why? Missing payment options can cause abandoned checkouts.

According to the Baymard Institute Study, 10% of shoppers abandon their purchase simply because their preferred payment method isn’t available.

As customers increasingly expect convenience and flexibility, updating your checkout process to meet these expectations is important to maintain conversions and avoid losing potential buyers to competitors.

Shopify Payments eliminates integrating third-party payment methods while delivering several key advantages like no extra transaction fees.

However, offering only Shopify Payments in your store is not feasible.

Here are 10 payment options you can offer in your checkout to allow customers to complete checkout process.

10 Shopify Payment Methods

A successful Shopify store offers multiple payment methods to match customer preferences.

With multiple payment options, you remove barriers at checkout, cater to different shopping habits and increase the likelihood of completing a sale. From widely used credit and debit cards to digital wallets, buy now–pay later services, and region-specific gateways, each payment method adds flexibility that can directly improve your conversion rates.

1. Credit and Debit Cards

Despite the rise of alternative methods, credit and debit cards remain the most widely used payment option globally making them an essential part of your Shopify store’s payment strategy.

In certain regions, adding local card networks can further improve conversions and open doors to new markets. At bare minimum, make sure your store accepts major card networks:

Visa and Mastercard (non-negotiable worldwide)
American Express (especially important if you sell premium products)
Discover (big in North America)
Union Pay (absolutely essential for Chinese customers)

2. Digital Wallets

Digital wallets have shifted from being an added convenience to a standard expectation for many online shoppers. They make the checkout process easy by eliminating the need for manual card entry, which helps reduce friction and abandoned carts.

Apple Pay, with more than 500 million users worldwide, is a strong addition for Shopify stores. Likewise, Google Pay delivers fast, secure payments for Android users. Offering digital wallets helps you appeal to a wider audience, meet localized payment preferences, and it is a step toward creating a flexible payment environment that meets customers where they are.

Apple Pay – One-tap checkout for iPhone and iPad users
Google Pay – Fast, secure checkout for Android devices
Samsung Pay – For Samsung device owners
Amazon Pay – Quick checkout using Amazon accounts

3. Buy Now, Pay Later (BNPL)

Buy Now, Pay Later allows customers to split purchases into interest-free installments.

This flexibility is especially attractive to customers who want to manage their budgets more carefully while still accessing the products they want. Offering BNPL can boost average order value by up to 40% and improve cart conversions by ~30%.

To offer BNPL option, you can integrate BNPL services into your store like:

Klarna – Popular in Europe with flexible payment structures
Afterpay – Strong presence in Australia, UK, and US
Affirm – Clear terms and zero late fees

⭐️ Recommended Shopify app: Split Payment

5. Installment Payments

Unlike BNPL, installment payment plans give merchants more control over how customers can spread the cost of larger purchases. For example, you can allow your customers to pay for the goods in installments, like 3 monthly payments.

This added flexibility is particularly valuable for big-ticket products like furniture, jewelry, or electronics, where affordability can be a key factor in the purchase decision. For Shopify stores, providing installment payments at the checkout can improve cash flow while still increasing conversions.

⭐️ Recommended Shopify app: Split Payment

6. Deposit Payments

Deposit payments let customers reserve high-value, custom, made-to-order, or pre-sale items without paying the full amount upfront.

Allowing buyers to pay partial payment, i.e., 20% of the order reduces friction to purchase a product.

For Shopify stores selling high-value or custom made products deposit payments can help with cash flow.

⭐️ Recommended Shopify app: Split Payment

7. PayPal

As one of the most recognized payment gateway providers globally, PayPal remains a must-have for most online stores. Its brand recognition alone can build buyer confidence.

PayPal advantages include:

Express checkout for existing PayPal users
Buyer and seller protection policies
Support for over 100 currencies

8. International Payment Solutions

Expanding into global markets requires meeting local payment expectations. Many international shoppers prefer region-specific methods over credit cards.

By integrating popular payment solutions for each region, you improve user experience and reduce cart abandonment caused by unfamiliar payment systems. These localized options can be particularly impactful in markets where credit card usage is low.

Key region-specific payment methods include:

Alipay and WeChat Pay for Chinese markets (essential for selling in China)
iDEAL for Netherlands customers (used in over 60% of Dutch online transactions)
SOFORT for German shoppers
Boleto for Brazilian consumers

9. Cryptocurrency Payment Options

While still emerging, cryptocurrency payments appeal to specific customer segments and can help your store stand out from competitors. Accepting digital currencies can help your Shopify store stand out, especially among tech-savvy, privacy-conscious shoppers.

Before implementing crypto payments, it’s important to weigh the advantages against the potential challenges. You’ll also need to consider factors like volatility, ease of use, and local regulations to ensure a smooth and compliant checkout experience.

10. Cash on Delivery

Cash on delivery (COD) is a payment method where the customer pays when the order arrives, and the merchant confirms payment after collection.

Cash in Delivery method builds trust because buyers only pay after they see their order. This simple, familiar payment method appeals to customers who may not trust digital options—or who just prefer using cash.

COD also has proven links to purchase decisions in certain industries. Research from a fashion sector survey found that customers were more likely to buy when COD was available, especially when they had confidence in the product’s quality. For many shoppers, the ability to see and verify their purchase before paying is a powerful reassurance that drives conversion.