Show me the… online payment methods!

68% of internet users in the EU shopped online in 2017. If you're looking to offer your customers the opportunity to buy your product or service from you online, here are some of the payment options you could consider to make their lives easier.

‘’Show me the money!’’ After designing your beautiful, bug-free website, filling it with rich content, optimising it, spreading the word while monitoring and updating it on an ongoing basis, you are well within your rights to quote Cuba Gooding Jr. at the top of your lungs. After all, you’ve worked hard to get here.

However, unless you have the right online payment methods set up to match your customers’ preferences, there will be no rewards and instead some very frustrated shoppers!

Show me the... best online payment methods!

People buy online – FACT!

The good news is that these days people are happy to make online payments. There was a time not too long ago when the idea of paying for something before you had it would have sounded like madness. But today, people are more than happy to pay ahead.

Why? Three primary reasons:

  • We are participants of convenience culture and shopping online is very convenient.
  • Empowered consumers research online rather than trusting the salesperson in-store.
  • There is more choice online, with some brands existing exclusively online.

All this means is that there are now a lot of people shopping online. In fact, according to Eurostat, “68% of internet users in the EU shopped online in 2017.” So, if you do not offer your customers the opportunity to buy your product or service from you online, you may be losing out! But don’t worry, we are here to help get you started.

Although this is not an exhaustive list, we have pulled together some of the most popular online payment options out there at the moment. Let’s take a look…

Stripe and PayPal

We might as well take on these two together seems they are currently battling it out front and centre.

As we all know, PayPal has been the trusted and reliable go-to for online payments since 2002. If your consumers are security conscious, PayPal acts as a nice safety blanket for their online payments. It helps that people are familiar with it due to it being the default payment gateway for eBay. Being at the top for so long means that nearly everything integrates with PayPal. But are the winds changing?

Stripe was founded in 2010 by two Irish entrepreneurs, John and Patrick Collison. Since then it has made quite a name for itself. So how has it been able to compete with PayPal? Although the basic fee for PayPal is the same as Stripe (2.9% + 30¢ per successful charge) PayPal has many other underlying extra charges.

For example, Stripe payments made on your website are free, but PayPal charges $30 per month. PayPal also charges for international cards, reoccurring billing, fraud protection and card authorisation – with Stripe these are all free. Stripe also accepts ApplePay, while PayPal does not… but what is ApplePay anyway?


As you may have guessed, ApplePay is the Apple Inc. mobile payment solution. The fundamental premise of ApplyPay is to make it easier for people to use their mobile to pay for things by removing the need for a credit/debit card.

People already use their mobile to input their billing details, but ApplePay takes this to the next level with contactless payment. With all your details saved in the one place, having ApplePay integrated with your website gives your customers one less thing to think about, moving them smoothly along to ‘Complete checkout’.

Amazon Payments

Do your customers use Amazon? Online payments rely on trust; therefore, it makes sense to integrate your upstart website with widely reputable payment gateways. Amazon Payments securely stores their users’ details, allowing your customers to log-in and check out with their Amazon account from your website. This can make the checkout process a lot easier for those customers who have Amazon accounts. Amazon Payments, like Stripe and PayPal, charges 2.90 % + 30¢ per-transaction fee.

Google Pay Send (Google Wallet)

Google Pay is designed to make cashless peer-to-peer payments as easy as inputting an email or phone number. This is one of the most cost-friendly services – with no fees for debit cards or bank transfers. However, you will encounter the usual 2.9% fee for credit cards.

If you are noticing a lot of Gmail accounts on your client list, Google Pay may be the way to go. As you would expect, it integrates with other Google services very well. Just like ApplePay, the aim here is to make mobile payments as easy as possible for those on the go shoppers.

While today mobile payments might seem like a luxury, tomorrow (as in the day after today, not the theoretical ‘tomorrow’ that could really be any day in the future) people are going to simply expect to see mobile payment as an option on your website.  If you don’t have it available when they need it, you know what will happen – *close window*.


Skrill, formerly Moneybookers, is a global online payment solution. It is designed to make both domestic and international payments easy, accepting more than 30 currencies around the world. You can easily integrate it with your online shopping cart and set up automated reoccurring billing with your clients.

Skrill is a popular choice because it is designed to be convenient, allowing you to send money with just an email address, and because of its high limits (no minimum transfer fee, and a $25,000 maximum).

However, it is worth noting that Skrill’s fees are not the most competitive. The currency conversion fee is 3.99% with a transfer fee of 1.9%, capped at $20. Also, if you do not log into Skrill for a year there is a fee of roughly $2.


To crypto or not to crypto? It is a question that we have all queried at one point in time. There are companies popping up everywhere with the aim to make cryptocurrencies more accessible to people other than techies. GoCoin is one such user-friendly plugin that allows you to accept Bitcoin, Dogecoin and Litecoin with the money being deposited in your bank account.

However, it is far from your only option. BitPay, CoinGate and Coinbase are available as well. With low fees across the board – just 1% – it’s easy to see why merchants are giving cryptocurrencies a whirl. If only it wasn’t so volatile!

As with every aspect of your website, your aim should always be to make your customers’ lives easier. This is especially the case when it comes to the actual purchasing of a service or product. However, it is surprising just how many websites fall down the moment the customers decide to hit ‘Buy Now’.

Fundamental to a robust checkout funnel is having the appropriate online payment methods available for your customers. Check out our blog, 5 crucial tips to avoid cart abandonment, to find out more about how to improve your check out funnel.

Do you need a website with payment gateways to facilitate a smooth purchase journey? As experts in user experience (UX) and user interface (UI) design and strategy, we can help! Get in contact today to optimise your website for a user experience your customers will love.