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What are WooCommerce payment options?

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There are many payment options given in WooCommerce from which you can choose one. The guide will cover every single thing you should know about WooCommerce payment options. We will see what are the payment options that you can choose from, how you can add other payment gateways that are not given directly on the WooCommerce payments page, and we will also see which one is the best one for you.

Overview of WooCommerce payment options

WooCommerce allows you to accept payments in various ways. You can use multiple ways to accept the payments directly. All the options can be configured from the WooCommerce payment options. You can choose the best option that you want.

When you choose one payment option, the customer will be redirected to that particular payment gateway. In this way, they can make the payment directly from that gateway. You will see the payment directly from the particular payment gateway.

The payment gateway will also send a response by which WooCommece will know that the payment is accepted and they will proceed further. This is how you can make the payments easy.

Now, there are many payment gateways that you can have. WooCommerce provides some of them by default whereas you can surely add more of them if you want.

Default Payment Gateways

There are some of the default payment gateways that you can use. These are available directly when you install WooCommerce. When you set up WooCommerce, they will ask you to enter the details of a couple of payment gateways. That’s where you will get the default payments option. You can surely use the default payment gateways or you can install others. This depends on your requirements. Let’s talk about the default one first.


WooCommerce payment options

One of the best payment gateways that come in the default installation is Stripe. Stripe is a quite popular gateway that anyone can use who wants to accept credit and debit cards. Stripe is popular and is available in many countries. They accept a huge number of currencies in their payment gateway. So, it doesn’t matter where you stay, you can surely use Stripe. This is the first and the most popular option that you will have.


WooCommerce payment options

People always keep using PayPal even if they have the payment gateway. The majority of your customers will be having a PayPal account. Therefore, they can easily make things easier for your WooCommerce payment option. They can directly pay using PayPal and you will get your payment. It will be easier for them as well as it will be beneficial for you. If you are thinking about how it is beneficial for you, here is the reason. When people pay using PayPal and not using any particular payment gateway, you won’t have to pay the service charge of the payment gateway. PayPal cuts their fee in some transactions but it is still less than the overall amount that you will pay using the payment gateway. Also, it is quite easy to add it to your website.


The next payment gateway that is widely popular in many countries is COD. COD stands for Cash On Delivery. It’s the place where the customer won’t have to make the payment when they purchase something. They will only have to pay when the item reaches their home or their shipping address. In this way, they will get the best price of what they want. If none of the payment gateways are applicable for you, you can surely use COD.

Bank transfer

This is the least used option. People don’t prefer to use bank transfers for many reasons. The first and the most popular reason why people don’t use it is because of the time. It takes a lot of time for the payment to come to your bank account. Further, there are no proper methods to see if the payment was received or not. You will have to use your net banking only. For that, you will have to log in and check them manually. In this way, you will waste a lot of your time as well as you won’t get a proper way to get the confirmation. It’s also hard for the customers as they will have to note down the bank account number and then they can make the payment. The entire process becomes a lot more complex than it is to be. This is why people don’t prefer it.

Types of WooCommerce payment option gateway

Now, we will have a word about types of payment gateways where we will see what are the two types of payment gateway and what is the main difference between them.

One of them is called hosted and another is called integrated. Most of the payment gateways are hosted.

Let’s talk more about it.

Hosted payment gateway

The hosted payment gateway uses the redirection method. In simpler words, when the user makes any payment to you, they will be redirected to the website of the payment gateway. The rest of the procedure is done directly on the payment gateway’s website and, not yours. This will ensure that the security is tight. You don’t need to worry about the security here as the payment directly goes into the official website of the payment gateway.

Thereafter, they will send a confirmation to your WooComemrce to acknowledge that the payment is received. In this way, the entire payment gateway works.

Integrated Payment Gateway – WooCommerce payment options

The next payment gateway that you can go with is an integrated payment gateway. This is the place where the payment gateway loads directly on your website. The customer has to make the payment directly on your website by heading over to the payment option. They can enter the card details there and it will accept the payment. You must make sure that the payment is secured. In simpler words, you will have to make sure that your website is using the proper SSL certificate and everything is secure.

People will not feel more secure in making the payment when there is no payment gateway. Therefore, you will have to keep in mind these things when you are using an integrated payment option.

Which Payment gateway is for you?

Now, if you are asking about which payment option is best for you. We would suggest you go with the hosted one.  In this way, things will be easier for you since the payment security part is taken by the payment gateway themselves. Therefore, you can go with the hosted gateway if you are confused between the two.

Now, coming to the point, there are some of the things that you need to understand when you are choosing a payment gateway. If you can keep in mind all these things, you can easily choose the best payment gateway that will help you in accepting the payment. So, make sure that you read all these things properly.


One of the most important things that you need to see is the location. You need to select the payment gateway based on the location. Location is important when you are selecting the WooCommerce payment options gateway. This is because some of the payment methods are only available in a specific country. If that’s the case in your country, the local payment gateway would be accepting that payment. Therefore, you can take the payment from them. This is the main reason why you should keep in mind the location when you are choosing the payment gateway. It will help you accept the domestic payment methods that are only available in your country. Also, you can be sure that they will accept your currency.


Currency is the next thing that you might want to use. If you go with the local payment gateway, there is nothing to worry about because they will accept your currency. We have already mentioned that before, right? Other than this, you need to make sure that the payment gateway is accepting your currency. If you are selling internationally, you can keep USD as the main currency. This is because when the customer makes the final payment, they will see the price in the default currency. If the default currency is not USD but your local currency, the international customers won’t buy from you. So, keep in mind that the payment gateway has international currency if you are selling to the whole world.

Prices for WooCommerce payment options

You also need to see the price of the payment gateway. Most of the payment gateway will charge a small fee when the customer makes a successful payment. So, you will have to pay a small fee of 2% or 3% when a customer makes the payment. You can surely see if there are any other charges that you will have to pay. Some of the payment gateways will charge an annual fee that you will have to pay every year regardless of a customer pays you or not.

So, you can compare the pricing before you go with one payment gateway. One thing that you need to keep in mind here is that you also need to see the price of the plugin. Most of the payment gateways offer a WooComemrce plugin that you can use. You also need to see if they have any charges for that or not.


Last but not the least, you need to see the complete list of features. There should be all the features that you want. If you are offering a refund, there should be an option for a refund. In the same way, if you are offering a subscription, there should be an option for a subscription. In this way, you will get what you want. This might be different depending on your requirement. Therefore, you will have to see this all by yourself. You need to ensure that every feature that you want is available in this plugin or gateway. Thereafter, you can surely continue.

Best WooCommerce Payment Option Gateways

Now, if you are looking for some of the best payment gateways, here is a small list from which you can choose one. You can surely use the default one which is the best. However, if you don’t want to use the default ones, here are some of the alternatives that you can go with. You can choose from any of these.

PayPal Pro: Along with the default payment, there is another plugin called PayPal Pro. You can use it to accept credit cards and PayPal payments.

Braintree: Braintree is another best payment gateway that you can use. It’s by PayPal. So you can surely trust this one.

Square: You can also use Square. It’s a bit hard to configure for WooCommece but it’s great overall.

CCAvenue: The best gateway but expensive at the same time. If you are a huge website making enough profit, you can surely use this.

Razorpay: Razorpay is an awesome gateway that accepts many currencies. It’s highly recommended if you have visitors from Asian countries. You might have surely heard about It’s a great payment gateway using which you can accept payments.

WooCommerce payments: You can always go with WooCommerce payments. It will accept payments from all the major sources.

All these have plugins available. So, if you are planning to use any of these, you can simply head over to their website, create an account there, and they will provide you a link o download and install the plugin.

Final Words about WooCommerce payment options.

To conclude, this was all about how you can set payment gateway and start accepting payments with ease. You can easily start using any of these as per your choice. However, if you want to use anyone except these, you can surely use them too. Make sure you test it properly before you start accepting the payments. You can also use multiple payment options if you want. All these settings can be done from WooCommerce > Settings > Payment Gateway. You can enable or disable payment gateways from there. This is how you can have one or multiple payment options.

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