Shopify Payment Methods: Wallets and Local Options
Which payment methods to offer on Shopify in the US and Europe: wallets, PayPal, Klarna, iDEAL, Bancontact and SEPA.
Quick answer: Offer the payment methods your customers already trust: cards, wallets such as Shop Pay, Apple Pay and Google Pay, PayPal, and local options like iDEAL, Bancontact, SEPA or Klarna in Europe. More relevant options reduce friction, but too many can clutter the page.
Why payment options affect conversion
Shoppers abandon checkout when their preferred method is missing or when typing card details on mobile feels slow. Wallets reduce typing and speed up the purchase.
Methods to consider
| Region | Common options |
|---|---|
| USA | Cards, Shop Pay, Apple Pay, Google Pay, PayPal, Affirm, Klarna |
| UK | Cards, Apple Pay, Google Pay, PayPal, Klarna, Clearpay |
| Germany | PayPal, Klarna, SEPA, cards |
| Netherlands | iDEAL, cards, PayPal |
| Belgium | Bancontact, cards |
Availability depends on your Shopify Payments region and payment providers. Check what is supported for your country.
How to choose
- Look at your customers’ countries and devices.
- Add wallets first for mobile.
- Add local methods in markets where they are popular.
- Offer buy now, pay later for higher-priced items if it suits your brand.
- Review fees and payout times.
Test checkout
Place test orders on desktop and mobile in each market. Check currency, taxes, shipping and confirmation emails. See checkout optimization and Checkout Extensibility.
Trust and clarity
Show accepted payment icons, the final total early and a clear returns policy. See trust signals and multi-currency pricing.
Frequently asked questions
Which payment methods should a Shopify store offer?
Cards and wallets at minimum, plus local methods in your key markets.
Do wallets increase conversion?
They often help, especially on mobile, because they reduce typing.
Do I need Klarna or Affirm?
It depends on your products and customers. They suit higher-priced items.
Which methods are popular in Europe?
iDEAL, Bancontact, SEPA, Klarna and PayPal are common, depending on the country.
Do payment methods affect fees?
Yes. Compare processing fees and payout terms.
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Which payment methods to offer on Shopify in the US and Europe: wallets, PayPal, Klarna, iDEAL, Bancontact and SEPA.
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