Shopify payment methods & buy now pay later after WooCommerce (2026)
How to configure payment methods in Shopify after migrating from WooCommerce — Shop Pay Installments, Klarna, Clearpay, Apple Pay, Google Pay, and optimizing checkout conversion with BNPL.
WooCommerce payment method setup was handled through individual payment gateway plugins (WooCommerce Stripe, WooCommerce PayPal Checkout, WooCommerce Klarna, etc.). Shopify centralizes payment method management in Admin → Settings → Payments, with most major options available natively or with minimal configuration. This guide covers which payment methods to configure and how BNPL can increase AOV.
Shopify payment methods overview
Shopify Payments (recommended primary method)
- Shopify's own payment processor — powered by Stripe
- No transaction fee (unlike third-party processors which add 0.5–2%)
- Includes automatically: credit/debit cards, Shop Pay, Shop Pay Installments (US), Apple Pay, Google Pay, Meta Pay
- Fastest payout: 1 business day (UK/US); 3 business days (other markets)
- Chargeback handling built in
- Available in: US, UK, Canada, Australia, Ireland, New Zealand, and most EU countries
PayPal (should always be enabled alongside Shopify Payments)
- 10–20% of customers prefer PayPal — especially older demographics
- Connect via Settings → Payments → PayPal
- PayPal also includes PayPal Pay Later (BNPL) in eligible markets
- Transaction fee with Shopify Payments: 0% (PayPal is a complementary method, not an alternative)
Apple Pay and Google Pay
- Automatically included with Shopify Payments
- Display on product pages and in cart ("accelerated checkout buttons")
- Apple Pay: shown to Safari/iPhone users; Google Pay: shown to Chrome/Android users
- Reduces checkout friction dramatically on mobile — one-tap checkout with saved payment and address
- Enable accelerated checkout buttons: Admin → Settings → Payments → Accelerated checkout
Buy Now Pay Later (BNPL) options
| BNPL provider | Market | Available on Shopify | Best for |
|---|---|---|---|
| Shop Pay Installments | US only | With Shopify Payments | Orders $50–$3000, 4 payments or monthly |
| Klarna | UK, EU, US, AU | Native integration + dedicated app | Fashion, furniture, electronics |
| Clearpay / Afterpay | UK, AU, US, NZ | Native Shopify Payments integration | Fashion, beauty, mid-range retail |
| Laybuy | UK, NZ, AU | Shopify App Store | 6 weekly payments, UK focus |
| Zip (Quadpay) | US, AU | Shopify App Store | US and Australian BNPL market |
| PayPal Pay Later | US, UK, EU | With PayPal integration | Existing PayPal user base |
Shop Pay Installments (US only)
- Powered by Affirm. Available on Shopify Payments in the US.
- Automatically shown on product pages for eligible items ($50–$3,000)
- Options: "4 interest-free payments" or "monthly payments up to 24 months"
- Merchant receives full payment immediately — Affirm bears the financing risk
- No merchant fee for 4 interest-free payments option; slight fee for longer monthly plans
- Enable: Admin → Settings → Payments → Shop Pay → enable Installments
Klarna on Shopify
Integration options
- Klarna is available in two ways on Shopify:
- As a native payment method via Shopify Payments in eligible markets (UK, some EU) — appears in checkout automatically
- As a standalone Klarna app (for markets where Shopify Payments isn't used)
Klarna products offered
- Pay in 3 (UK): 3 equal payments over 60 days, interest-free. Most popular.
- Pay in 30 (UK): Pay 30 days after purchase. Popular for returns-heavy categories (fashion).
- Klarna Financing: Monthly plans 6–36 months for larger purchases. Regulated credit product.
Klarna messaging on product pages
- Klarna provides a JavaScript placement widget that shows "Pay in 3" messaging on product pages
- Typically shows: "From £X/month with Klarna — learn more"
- Install Klarna On-Site Messaging app from Shopify App Store for product page messaging
Migrating from WooCommerce payment plugins
WooCommerce Stripe → Shopify Payments
- Both use Stripe under the hood but maintain separate merchant accounts
- Customer saved cards on WooCommerce Stripe: these card tokens cannot be transferred
- New Shopify checkout will re-tokenize returning customers on first checkout
- For subscription customers with saved cards: see subscription migration guide
WooCommerce Klarna Payments → Shopify Klarna
- Contact Klarna merchant support before migration — your existing Klarna merchant account can often be connected to Shopify
- Klarna merchant ID migration: Klarna can transfer your existing merchant ID to the Shopify integration
- This preserves Klarna underwriting decisions already made for your store
WooCommerce PayPal → Shopify PayPal
- Connect same PayPal Business account to Shopify
- Transaction history stays in PayPal — accessible via PayPal dashboard
- PayPal customer saved payment methods: persist in PayPal's system, accessible when customers log into PayPal at checkout
BNPL strategy by category
BNPL impact varies significantly by average order value and category:
| Category | AOV | Recommended BNPL | Expected uplift |
|---|---|---|---|
| Fashion | £60–150 | Klarna Pay in 3, Clearpay | 5–15% AOV increase |
| Electronics | £200–1000+ | Klarna Financing + Shop Pay Installments | 10–20% conversion uplift |
| Furniture | £300–3000+ | Klarna Financing 12–36mo | High impact on big-ticket items |
| Baby/nursery | £200–800 | Klarna Pay in 3, Clearpay | Strong uplift — baby items are financial burden |
| Bikes | £400–4000 | Klarna Financing, V12 Finance | Essential for premium bikes |
| Beauty | £30–80 | Clearpay, Klarna Pay in 3 | Moderate uplift |
| Supplements | £40–100 | Klarna, Clearpay | Increases bulk order size |
Payment method setup checklist
- Enable Shopify Payments (verify eligibility for your country and product category)
- Enable PayPal as a complementary method
- Enable accelerated checkout buttons: Apple Pay and Google Pay
- US stores: enable Shop Pay Installments
- UK/EU stores: enable Klarna (via Shopify Payments native integration or Klarna app)
- UK stores: evaluate Clearpay and Laybuy for fashion/beauty categories
- Install Klarna On-Site Messaging on product pages for BNPL awareness
- Contact previous payment processors (Klarna merchant account) about migrating accounts
- Test all payment methods with real test orders before launch
- Review payment method display order in checkout: Shopify Payments should show first
Apple Pay and Google Pay are consistently the highest-converting payment methods on mobile Shopify stores. If a customer has Apple Pay enabled, the accelerated checkout button on the product page or cart page allows checkout with Face ID in two taps — no address entry, no card number, no checkout friction. WooCommerce stores rarely had this level of mobile checkout optimization without significant custom development. Enabling Shopify Payments and turning on accelerated checkout buttons requires zero development work and typically delivers a measurable mobile conversion rate improvement within the first month.
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