The Best Payment Options to Offer on Shopify to Maximize Conversions in 2025
You did the hard part—attracting a visitor, earning their trust, and getting them to the checkout page. But without the right payment options, that sale could still slip away.
Modern shoppers expect payment flexibility, and the data proves it: nearly 70% of cart abandonments happen after a shopper has added to cart, often due to missing or inconvenient payment options.
The good news? Shopify gives you the tools to fix that.
At Campfire Commerce, we help brands optimize their checkout experience with the right mix of payment methods that increase trust, reduce friction, and improve conversion rates—especially on mobile.
This guide walks through:
Why offering more payment options boosts conversion
The top methods you should enable in your Shopify checkout
How to position each method to improve UX without cluttering your funnel
Why Payment Flexibility Drives Conversions
Shoppers today expect to pay how they want—whether it's credit, debit, digital wallets, BNPL, or even local currency alternatives.
Offering the right mix:
Builds trust at checkout
Reduces hesitation around fraud or risk
Helps mobile users complete checkout faster
Increases international conversions by supporting local payment methods
Key Stat:
According to Baymard Institute, 9% of U.S. shoppers abandon their cart because there weren’t enough payment options. That number is higher in international markets.
The Core Payment Options to Enable on Shopify
Here are the foundational payment methods you should be offering if you want to maximize conversion and customer satisfaction:
Shopify Payments
https://www.shopify.com/payments
Why it matters:
This is Shopify’s built-in payment gateway. It accepts all major credit and debit cards and integrates seamlessly with your backend and payouts.
Benefits:
Lower transaction fees than third-party processors
Native fraud detection and dispute resolution
Required to enable Shop Pay and Shop Pay Installments
Campfire Tip:
Enable Shopify Payments even if you also use PayPal or others—it offers the cleanest UX and supports all card types without redirects.
Shop Pay (1-Click Checkout + Installments)
https://www.shopify.com/shop-pay
Why it matters:
Shop Pay is one of the fastest, most conversion-friendly payment experiences available on Shopify.
Key Features:
Pre-filled customer details (address, card, shipping)
1-click mobile checkout
BNPL option through Shop Pay Installments
Results:
According to Shopify, Shop Pay checkouts convert 1.72x higher on mobile than regular checkouts.
PayPal
Why it matters:
PayPal remains one of the most trusted online payment platforms globally—especially among older and international shoppers.
Benefits:
Buyers don’t need to enter card info
Boosts trust through buyer protection guarantees
Includes Pay Later option (Pay in 4)
Pro Tip:
Position PayPal second or third on your checkout screen to give priority to Shop Pay or card payments, but always keep it available.
Digital Wallets: Apple Pay, Google Pay, Meta Pay
Why they matter:
Digital wallets increase mobile conversion by reducing friction—no typing card numbers or shipping details.
Benefits:
Faster checkout = lower drop-off
Secure biometric verification
Trusted by users across iOS and Android ecosystems
Implementation:
Enable through Shopify Payments. Shopify will automatically detect the user’s browser and show the correct wallet option.
Important:
These are only visible to users whose device supports them. You won’t see Apple Pay on a desktop browser, for example.
Buy Now, Pay Later (BNPL)
Offering installment payment options improves AOV and helps close higher-ticket purchases.
Top Options:
Shop Pay Installments (native, via Affirm)
Affirm (standalone, for extended financing)
Klarna, Afterpay, Sezzle (great for fashion and lifestyle brands)
Use it for:
High-ticket SKUs ($200+)
Bundles or kits
Seasonal campaigns (holiday, gifting, new product drops)
Optional but Strategic Additions
These aren't essential for all brands, but they can provide a conversion edge in the right context:
Cash on Delivery (COD)
Rarely used in the US but more common in certain international markets
Increases trust in markets where card fraud or digital adoption is lower
Cryptocurrency (via Coinbase or BitPay)
Niche appeal, but aligns with tech-savvy or alternative finance audiences
Better fit for higher-AOV or collectible/luxury goods brands
Local Payment Methods
Shopify Markets enables regional payment methods like iDEAL (Netherlands), Sofort (Germany), or Boleto (Brazil)
Essential for brands going global or serving international markets
Where to Promote Payment Options in the Funnel
Don’t wait until the checkout to communicate flexibility—position payment methods earlier in the buying journey:
Product pages: “Pay in 4 with Shop Pay” or “From $29/mo with Affirm”
Cart pages: Show all payment icons (cards, wallets, BNPL)
FAQs & support pages: Reinforce trust with payment and financing details
Email & ads: Call out flexible payment in promotional messaging
Bonus:
Use Klaviyo or post-purchase surveys to segment customers based on payment method for future campaigns.
Campfire's Best Practices for Shopify Payment Optimization
Always enable Shopify Payments + Shop Pay first
Offer at least one wallet and one BNPL method
Regularly audit checkout UX on desktop and mobile
Use analytics tools like Triple Whale to monitor conversion rates by payment method
Avoid overloading with too many obscure methods—keep it clean and customer-first
Conclusion: Flexible Payments = Frictionless Growth
When customers can pay how they want, they’re more likely to complete the purchase, spend more, and come back again.
If your Shopify store still offers just credit cards and PayPal, you’re leaving revenue on the table.
At Campfire Commerce, we help growth-focused brands implement modern payment stacks that convert better, reduce friction, and create customer trust at scale.
Need help optimizing your checkout flow for conversion?