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It is through the customers’ payment that a fully functional e-commerce website operates. Your e-commerce business revolves around selling and getting paid, so you have to accommodate different payment methods. There are a lot of payment options that customers prefer to pay online. Your payment gateway has to be a priority to anticipate their chosen mode, whether you’re starting an e-commerce website or having an existing e-commerce platform. Shopping today can be done anytime and anywhere — during coffee breaks, bus ride, or in the middle of an event. The more people shop through their phones, the more payment options you have to integrate for a wide variety of payment options, which must be accessible for your customers.

For those who are ready to take their e-commerce platform to another level, here are the best payment options for a secure checkout process in 2020.



PayPal is the most commonly used digital wallet in the world. It has an indisputable reputation in terms of security and reliability. In 2019 alone, there are over 200 million active PayPal users worldwide, making every transaction safe for customers. And this number only continues to grow exponentially.

Websites with PayPal checkout options link at an 82% higher rate than sites without PayPal. For those e-commerce sites that don’t have a well-established brand yet, the PayPal button can make your customers feel at ease. Customers will know that PayPal has their back.

While e-commerce business owners appreciate that PayPal doesn’t get them locked into a contract and there are no monthly fees, there is a standard cut of 2.9% and $0.30 for every transaction within the US and a higher charge of 4.4% plus $0.30 for international transactions. Getting an additional transaction fee is how PayPal earns. Nonetheless, PayPal supports 25 currencies, including dollars, peso, euro, pounds, etc.

PayPal uplifts any business regardless of the size and how successful it is. It has useful features and integrations that any e-commerce store can use to grow and still be profitable using PayPal.



Google Pay is a digital wallet that caters to e-commerce stores, mobile apps, and in-person checkouts. Large scale companies use GooglePay, and it is free for both owners and customers. Unlike PayPal, GooglePay has no transaction fees. Other key features of GooglePay are 24/7 customer service for e-commerce businesses and customers, payment security to prevent hacking and fraud, and easy mobile checkouts.

Many companies and brands consider GooglePay as one of the most recognized payment solutions across the globe. By having no transaction fees, GooglePay can help customers spend on the things they want without breaking the bank.


Apple Pay

Apple is an esteemed tech giant that is one of the most innovative brands globally. This company continues its legacy by making it super easy for its users to shop and purchase anything using their payment method. For iOS users, Apple Pay is its digital wallet. They can immediately transact with just a few taps as soon as their accounts are sort out on their iPhones. An advanced process like this is good news for both e-commerce business owners and potential customers alike. With Apple Pay, your customers will no longer fill out their billing addresses and credit card numbers on forms since all needed credentials are already safely stored in Apple Pay. Shoppers can finalize their payment just by using facial recognition or a fingerprint. One advantage of Apple Pay is that it doesn’t charge any fees for e-commerce owners for accepting Apple Pay.

Apple Pay is indeed a mobile payment solution every e-commerce owner should consider.



Stripe may not have the same brand equity level as those mentioned above; however, Stripe is quickly catching up and is currently experiencing significant growth in recent years. According to BuiltWith Technology Lookup, there are already over 942,000 websites using Stripe as of April 2020, which means Stripe is heading in the right direction.

Just like PayPal, pricing for the basic payment option is at 2.9$ plus $0.30 per transaction. Other key features are: Inclusive to 135 different currencies across 25 countries, scalable which makes it perfect for e-commerce businesses, and comprehensive security that links high industry standards that prevents fraud without disrupting customers’ transaction.



Authorize.net’s primary customer base is established and well-off companies. It is one of the most reliable mobile payment solutions for e-commerce stores, serving 400,000 customers. Using Authorize.net’s is expensive. That is why it only caters mostly to bigger businesses. Setting up can cost $45, with a $25 monthly gateway fee and a 2.9% transaction fee plus $0.30 per transaction.

Despite their high fees, Authorize.net never falls short on its features. It supports a variety of payment types like EMV chip cards. You can sync QuickBooks for easy accounting, excellent e-commerce customer service, and cutting-edge fraud detection preventing inventory loss.

Mobile payments are becoming more competitive, which would only garner reasonable pricing and advancements for e-commerce businesses. Furthermore, e-commerce owners should realize that customers do not have the same preferences in choosing payment options. And that should make their options increase conversion rates. The more payment options an e-commerce site has, the more transaction it processes on a daily basis.


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