Which online payment methods to accept in the US? (2024)

FAQs

What is the most popular online payment method in USA? ›

Take credit cards, a major payment method in the US. Cards are still the most-used payment method, with American Express, Mastercard, Visa as large global card schemes.

LevelUp, PayPal, Samsung Pay, and Google Pay are strong in this area. Gift cards. Several of these apps offer a convenient way to combine all your cash or store gift cards.

While cards are the most popular way to pay, alternative payment methods are becoming more common. PayPal has a substantial presence in the ecommerce space, and other alternatives, such as Apple Pay and Google Pay ™ are gaining traction.

If you're shopping online in the U.S., PayPal is likely to be the only choice at the checkout other than directly using a credit or debit card for payment. If you card or bank account is already saved in PayPal, it might be a bit faster to go with PayPal rather than reentering your payment information on the website.

This is the only step in the process in which your customer is directly involved. Essentially, your customer provides their credit card details, typically by filling out an online payment form that requests the name on the card, the card type, the card number, the CVV, the expiry date, and the cardholder's address.

Google Pay, the digital payment app for desktop, mobile apps, and in stores, was pretty much phased out by the introduction of Google Wallet in 2022. Google Wallet, which is a mobile app for Android users, is used five times more than Google Pay, according to the announcement.

To simplify the app experience, the U.S. version of the standalone Google Pay app will no longer be available for use starting June 4, 2024,” Google product manager Joris van Mens posted on The Keyword blog.

PayPal is the first—and one of the most well-known—names in online payments, with more than 435 million active consumer and merchant accounts. This platform allows for protected transactions between businesses and customers, as well as the ability to send money between individuals.

Explanation: The payment option that is not accepted online is cash. When making online purchases, you typically cannot use physical cash as a form of payment because there is no physical exchange of money. Instead, online transactions are usually done through credit cards and debit cards.

Venmo offers a useful service for money transfers within the US. It has a mobile app for making payments and a credit card is available too. These services, however, are only available within the US. To use the Venmo credit card, you must be physically located within the US.

Is Zelle a US app? ›

Zelle^® works between U.S.-based banks.