Card payments dominant
Visa, Mastercard and debit cards most used
Open banking revolution
Account-to-account payments growing rapidly
Shopify Payment Methods in United States
United States has a modern digital payments market. Cards dominate but open banking is transforming payments, while cards provide essential international coverage.
Shopify merchants selling in United States should optimize checkout for local preferences. The right payment mix can significantly improve conversion rates and reduce cart abandonment.
United States ecommerce payment insights
Card payments dominant
Visa, Mastercard and debit cards most used
Open banking revolution
Account-to-account payments growing rapidly
Strong wallet usage
Apple Pay and Google Pay very popular
PayPal expected
Most US shoppers have PayPal accounts
Understanding Online Payments in United States
United States consumers have clear payment preferences that Shopify merchants should understand.
For successful ecommerce in United States, offering the right mix of local and international payment methods creates an optimized checkout experience that builds trust and drives conversion.
Local payment trust
United States shoppers prefer familiar local payment options.
International coverage
Visa and Mastercard essential for broader reach.
Mobile commerce growth
Mobile wallets and fast checkout increasingly important.
Most Popular Payment Methods in United States
A well-optimized United States Shopify checkout should support both local favorites and international options.
Barclaycard
Barclaycard through Cardstream helps UK merchants accept major card payments, digital wallets, recurring payments, Pay by Link and hosted or direct gateway payments.
Usage
Growing
Best for
UK Shopify merchants with an existing Barclaycard merchant account
Cashflows
Cashflows provides merchant acquiring and payment gateway services for online businesses, supporting hosted payment pages, recurring billing, tokenisation, card-on-file transactions, Apple Pay, Google Pay and omnichannel payment acceptance.
Usage
Growing
Best for
UK Shopify merchants
Elavon
Elavon assists merchants in accepting online card and wallet payments through gateway services, Pay By Link, fraud tools, tokenisation, and hosted ecommerce payment options.
Usage
Growing
Best for
Shopify merchants already using Elavon
Global Payments (HSBC)
Global Payments through HSBC assists UK merchants in accepting card, digital and online payments with hosted checkout, APIs, SDKs, Shopify integration options and recurring payment support.
Usage
Growing
Best for
UK Shopify merchants banking with HSBC
Paystrax
Paystrax assists European and UK merchants in accepting card, wallet and cross-border payments via a global payment gateway, REST API, JavaScript widget, Mobile SDK and multi-currency processing.
Usage
Growing
Best for
European Shopify merchants needing card acquiring
Worldpay
Worldpay assists merchants in accepting cards, wallets, recurring payments and local payment methods through a global online payment infrastructure.
Usage
Growing
Best for
Shopify merchants already using Worldpay
Allied Irish Bank (AIB)
AIB Merchant Services assists Irish merchants in accepting online card and wallet payments through a Global Payments-powered ecommerce gateway, featuring hosted checkout, recurring billing, tokenisation, and support for Apple Pay and Google Pay.
Usage
Growing
Best for
Irish Shopify merchants
Bacs
Bacs is a Direct Debit payment method available for Shopify merchants targeting the United States. It is designed for UK consumer markets, featuring full and partial refund support but carries a chargeback risk.
Usage
Growing
Best for
US-based businesses
Bumper Pay
Bumper Pay is a buy now, pay later payment method available for Shopify merchants in the United States. It allows consumers to purchase immediately and pay later, but it does involve a chargeback risk for merchants.
Usage
Growing
Best for
US-based merchants
Kriya
Kriya is a buy now, pay later payment method available for Shopify merchants in the United States. It supports full and partial refunds and offers recurring payments, making it a flexible option for consumers.
Usage
Growing
Best for
US-based merchants
Pluxee
Pluxee is a prepaid voucher payment method relevant to the United Kingdom. It uses redirect-based authentication, and the current import records consumer currency support for GBP.
Usage
Growing
Best for
Merchants targeting the United Kingdom
Muchbetter
Muchbetter is a digital wallet designed for Shopify merchants operating in the United Kingdom and United States. It supports recurring payments but does not offer one-click checkout, payment assurance, or a dispute process.
Usage
Growing
Best for
Subscription services
Related Payment Method Pages
Best Payment Setup for United States
United States shoppers expect familiar payment options. International methods then provide broader coverage.
For most United States Shopify stores, featuring trusted local methods alongside international cards and wallets creates the optimal checkout experience.
Core Payment Stack
- Visa
- Mastercard
- Open Banking
Conversion Boosters
- Apple Pay
- Google Pay
- PayPal
Optional Expansion
- Klarna
- SEPA Direct Debit
Recommended Payment Stack
Improve Shopify Conversion in United States
Small optimizations can significantly impact United States checkout performance.
Show familiar payment methods
Display the payment methods United States shoppers expect and trust.
Optimize for mobile
Ensure fast mobile checkout with wallet options.
Display trust signals
Show recognizable payment logos to build confidence.
Offer payment choice
Support both local and international payment options.
Optimize Your Shopify Checkout with CartDNA
CartDNA helps merchants understand which payment methods matter most by market. Use it to identify gaps, improve checkout performance and support stronger international ecommerce growth.
Shopify Payments United States FAQ
What payment methods are most important for United States?
Open Banking is essential for local customers, while Visa and Mastercard provide international coverage.
Do I need local payment methods for United States?
Yes. Local payment methods significantly improve conversion rates with domestic customers who trust familiar options.
Are mobile wallets important in United States?
Yes. Apple Pay and Google Pay adoption is growing in United States, especially for mobile commerce.