How To Add Payment Methods In WooCommerce

Default Payment Methods in WooCommerce

WooCommerce has built-in payment processing methods from leading providers. You can take payments via Stripe and PayPal. Accept credit cards, Direct Bank Transfer, checks or Cash on Delivery.

Let’s talk about the most common default payment methods in WooCommerce and how you can add payment methods in WooCommerce.


2. Cheque

3. COD

4. PayPal

Now, let’s discuss each of these in brief.

BACS (Bank Transfer)

Known as Bank Account Clearing System or more commonly as direct bank transfer or wire transfer, it is a gateway that doesn’t need payments to be made online.

All orders using BACS payment method are set ON HOLD until the payment gets cleared outside of WooCommerce. As the store owner, you’ll have to check your bank account if the payment has cleared before processing the order further.

BACS is not an ideal choice for e-commerce business model as it needs the store owner to check their bank account and may take more time than the other payment gateways.

Nonetheless, I would be sharing how to set up BACS as well as other payment methods in the later section of this post.


Just like bank transfer option, Cheque option doesn’t require payments to be made online. However, as a store owner, you must check and ensure that the cheque has cleared before processing the order further.

Cash on Delivery (COD)

COD is a very common payment option offered by many e-commerce store owners who cater to local customers. Still, if you are a small store owner having clients abroad or if you’re running a dropshipping business, COD is an option that won’t work for you.

So, you may as well disable this option for your store. For people who would like to offer COD, they must confirm that the payment was collected upon order delivery.


PayPal is a worldwide famous payment gateway which comes integrated with WooCommerce plugin. WooCommerce uses PayPal Standard which will take the customer to PayPal’s secure website to complete their order payment.

In WooCommerce, PayPal Standard uses IPIN for which you’ll require https for additional security. You’ll also need a PayPal account to enable PayPal standard payment gateway for your WooCommerce store.

Now, let me show you how you can add Payment methods in WooCommerce.

Let’s start with BACS

How to Add Bank Transfer Payment Methods In WooCommerce

Follow the below-mentioned steps to add Bank Transfer in your WooCommerce Store.

  • Open WordPress admin panel for your store with your login and password.
  • From the left sidebar, go to WooCommerce.
  • Select Settings> Checkout.
  • Select BACS.

Configure the settings like described below :

  • Check the Enable option to use BACS and uncheck to disable it.
  • Enter the title to display the customers during the checkout process.
  • Add information in the description to let the customers know about it in brief.
  • Enter Instructions to let them know how it works.
  • Under Account Details, add your bank account details which include Account Name, Account Number, Bank Name, Routing Number, IBAN and/or BIC/Swift numbers to be displayed to the customers on the Orders Received page or in order emails once they’ll check out.
  • Remember to click Save Changes button before you leave the page. That’s all. Your BACS payment option is now enabled on your store and customers can pay you via bank transfer.

How to Add Check Payment Methods In WooCommerce

For setting up Cheque in your store, follow the below-mentioned steps.

  • Go to WooCommerce from your WordPress admin dashboard.
  • Next, select Settings> Checkout.
  •  Select Check Payments.
  • Configure the settings as follows.
  • Enable the checkbox to use the option or disable it to remove from your payment options.
  • You can also edit the title, description, and instruction as fit for your store and customers.
  • Click Save Changes button.

How to Add Cash on Delivery or COD Payment Methods In WooCommerce

You can add COD as a payment method in your WooCommerce store using the following steps.

  • Go to WooCommerce in your WordPress admin dashboard for your store or the store backend.
  • Now, Select Settings > Checkout.
  • Click Cash on Delivery.

Configure the settings as below:

  • Enable to use COD and disable the checkbox to remove it.
  • Edit the title, description, instruction if you wish or leave it as it is.
  • Next, select which shipping method will enable COD under Enable for shipping method.
  • Next, tick the checkbox if you wish to enable COD for virtual products (like eBook, audio file, etc).
  •  Click Save Changes.

How to Add PayPal Payment Methods In WooCommerce (PayPal Standard)

Before you begin setting up this payment method, you must have a PayPal account. It’s free to sign up with PayPal and will take less than 5 minutes of your time. You can opt for a personal account or business account.

I would suggest setting up with a business account to send secure invoices to your customers and other additional features.

If you already have an account set up, please skip this part and move to the next part.

How to Set Up Your PayPal Account (It’s Free!)

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  • Go to PayPal and click Sign Up For Free.
  • Provide your email address and create a password.
  • Then fill in your personal details like name and phone number.
  • Next, Confirm your email and phone number.
  • Link your bank account to get the payment from your customers. PayPal will give step-by-step instructions to guide you along the way.
  • And that’s it. You have successfully created your PayPal account. Now, let’s proceed to the next part.

How to Enable PayPal Standard in WooCommerce

Follow the below steps carefully to enable PayPal payment method in WooCommerce:

  • Go to WooCommerce> Settings.
  • Under Checkout, select PayPal.
  •  Tick the checkbox to enable PayPal Standard when you’re ready to go live.
  • Enter the title and description to show customers during checkout.
  • Next, enter your email address. This is the most important part to enable receiving payments via PayPal. Make sure it matches the email you used to set up your PayPal account.

Now, move to Advanced Options. Fill in the required fields as below.

  • If you wish to test your payment gateway during the development stage, check the Enable PayPal Sandbox option. For this, you’ll need to set up a demo account with PayPal at PayPal Sandbox.
  • You can also turn on Debug logs to keep a track of logs during the development process. (Leave it if you’re not having a technical expertise).
  • To enable Instant Payment Notifications for payment received, refund issue or chargeback, tick the Enable IPIN Email notifications.
  • Next, enter the email address for Receiver’s email if the address differs from your PayPal account email.
  • Enter the PayPal Identity Token. This is only necessary if you signed up for data transfer option on your PayPal account.
  • Enter your Invoice Prefix. This is useful if you have multiple stores.
  • In Shipping details you’ll find two options. One is Send shipping details to PayPal instead of WooCommerce. This will let PayPal create shipping labels for you instead of billing. Next option is Address Override which may cause an error since PayPal verifies the addresses. So, I’d advise you to keep it disabled.
  • Payment Action allows you to capture the funds immediately or only authorize.
  • Page Styles lets you select the name for a custom page from your PayPal account.
  • Image URL allows you to select a 150×150 image to display on PayPal checkout page.

Now under API Credentials, you have 3 fields to fill information into:

1. Live API username

2. Live API password

3. Live API signature

You can easily learn how to get the Live API information from PayPal by logging into your account at Select the option for NVP/SOAP API integration (Classic).

How To Configure Your PayPal Dashboard

Although WooCommerce configures most of the things, there are still a few things you need to set up at PayPal.

How To Set PayPal IPN URL

  • In your PayPal business account dashboard, go to Profile> Profile and Settings.
  • Select My Selling Tools.
  • Next, click Instant payment notifications to set your URL.
  • Write [Replace with your url].

How to Auto-Return To Your Store

You can set up the auto-return which will take the customers to a receipt page. To do this, just use the following URL. [Replace with your own URL]

For more detailed information, you can visit the WooCommerce documentation page and get answers to all your PayPal related queries and FAQs.

Now, this was all about the default payment methods in WooCommerce. But as you saw above, if you’re a dropshipper the only viable option you can use out of the four available is PayPal. However, PayPal Standard takes the customer away from your website to the secure PayPal site.

This is a problem and an area of concern.

Most people get scared about the sudden user interface change and may leave at the last step causing an increase in cart abandonment issues. So, what should you do here?

Well, a great option is to use Payment Gateway API. There are many free plugins and payment gateways you can use with your WooCommerce shop. Let’s look a little more into it.

What is a Payment Gateway?

A payment gateway is a software that processes and authorizes the banking and credit card information for the online retailers. It ensures that the customer has enough funds to pay for the product or service. PayPal and Stripe are the two most common and popular payment gateways used in e-commerce.

Why Should You Get A Payment Gateway?

Payment gateways are able to host and store the financial information on a secure platform enabling the store owners to be free of any tensions or worry about their data being lost or hacked. Moreover, WooCommerce has many options for you to choose from including paid and free options.

When Should You Set Up Payment Gateway On Your Store?

In order to be able to receive the payment from your customers, you should set up payment gateway before you go live. You may have to sign up first to use the payment gateway. Like, in PayPal you can sign up for free and then use the account almost instantly.

The Benefits Of Setting Up A Payment Gateway For Your WooCommerce Store

There are immense benefits of setting up a payment gateway in your WooCommerce store. I’ll be sharing some of them below:

Additional Sense Of Security: Payment gateway facilitates a secure exchange and storage of financial transactions between your online store and your customers. Having a trusted third-party take care of this very important aspect of e-commerce business operation provides an additional sense of security for any business owner.

You can select the payment gateway that works in your country but it is highly advised to select the one which is trusted and used by million others like PayPal and Stripe for your business.

Sell Faster: You can sell faster with a payment gateway. It’s super easy to set up a payment gateway in WooCommerce that you don’t even need a developer for the purpose. The sooner you set up a payment gateway for your store, the faster you can take your store live and start selling to real customers.

Build Customer Trust: As a lesser known or new brand, you should take every possible step to build a strong base of trust with your customers. Having a renowned payment gateway like PayPal will help your customers trust your store with their financial and/or credit card information. In other words, they’ll purchase from you readily.

How to Select The Best Payment Gateway For Your WooCommerce Store

In terms of WooCommerce, a payment gateway is a WordPress plugin that allows the customers to pay for goods and services they are purchasing online. While there are many factors to consider when selecting the best payment gateway for your WooCommerce store, there are three of them which you should keep on top priority.


The startup and ongoing cost for each payment gateway vary and you must take it into keen consideration before selecting the best payment gateway in WooCommerce. The cost you will consider must include purchasing of payment gateway (if you don’t want the free options), transaction fees and/or monthly (or yearly) subscription charges.


Location is another factor which is very important while picking the best payment gateway for your store. If a payment gateway only accepts US dollars as currency and serves only US retailers and shop owners, people owning shops in other countries like Canada won’t be able to use it.

However, don’t worry.

There are many payment gateways that you can select from given your location like PayPal, Stripe, Amazon Pay, Zapier and more.


As a dropshipping store owner, it is your moral and ethical duty to ensure all the steps are taken to protect the confidential data like email address, personal information and financial information of your customers.

You must select the payment gateway which is in compliance with all the security terms and all other steps to secure your site as covered by Payment Card Industry Data Security Standard (PCI-DSS).

How Many Payment Gateways Do You Need For Your Store?

A direct answer: You need to have at least one payment gateway on your store. However, having just one can be a risk as it can encounter downtime or other unforeseen issues.

So, it is advised to have a minimum of two payment gateways in your store. This will give the customers more payment options to choose from and increase the chances of checkout and payment completion.

What Are the Best Payment Gateways For WooCommerce?

There are many payment gateways for you to choose from. However, I am going to mention a few of them that you can use for your store.

PayPal (powered by Braintree)




You can find more at WooCommerce extensions. For selecting the country-specific plugins, just select your country from the drop-down menu and you’ll have a list of payment gateway options (free and paid) that you can set up in your e-commerce store.

How To Set Up The Payment Gateway For Your Store?

As discussed for PayPal Standard above, once you have the extension installed from WooCommerce, just visit the backend of your website as admin. Under Settings> Payments you can select the new Payment gateway and log in with your credentials (like you did for PayPal).

That’s as easy as it gets with WooCommerce. Just search for the plugin or extension you’re looking for and install it for your store. Once you have the set up done, your customers will see the new options on the Checkout page and they can select whatever suits them to pay for the product or services you are offering them.

The Quick Round-Up

A payment gateway is a very important thing you need to know everything about so that you can select the best payment gateway for your online store. I hope I have covered all the things there are to help you take the best decision for your store.

If you need any help or have more questions about payment gateways, e-commerce or dropshipping, just drop a quick comment below and I’ll get in touch with you.

You may also like to read  How to Install And Configure Woocommerce in WordPress

I believe we all have good sides in us and we all have skills with what we can shine ourselves.It's a matter of time to shine like the sun. I like to meet with new people and get to know them.Like to travel and watching movies. I am person who likes to work like a mad man..I never left any work unfinished and like to see the end..

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