Payment Options

Last update: 2024-01-29
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With Adobe Commerce and Magento Open Source Payment Services, you have multiple payment options available to you.

You can configure these payment options in Home settings or Store configuration (recommended for legacy payment options or a multi-store setup).

There are different behaviors for each payment method depending on where you are in the checkout process:

  • Product page—The product page for an item
  • Mini cart—Available upon click of the cart icon when a product has been added to the carts
  • Shopping cart—Available upon click of View and edit cart from the mini-cart
  • Checkout view—Available upon click of Proceed to Checkout from mini-cart or shopping cart
IMPORTANT

Payment Services onboarding must be completed before payments can be processed.

Standard vs. Advanced Payments Experience

Payment Services provides Advanced (fully supported) and Standard (Express Checkout) payment options and onboarding flows, depending on the country in which you operate.

See Enable Payment Services for production for for information about completing Advanced and Standard onboarding.

Credit Card Fields

Credit Card Fields provide a simple and secure checkout for credit card or debit card payment methods. When a shopper checks out using credit card fields, they enter their name, billing address, and credit or debit card information, to place their order. Their customer information is securely used during the purchase session to seamlessly guide them through the checkout flow.

Credit card fields in checkout

Enable credit card vaulting for your stores to allow shoppers to vault (save) their credit card information for a fast checkout later.

You can configure Credit Card Fields in the store configuration or the Payment Services Home. See Settings for more information.

You can also change the layout, width, height, and outer styling of the credit card fields. See PayPal documentation for more information.

Apple Pay button

Customers can use Apple Pay, which utilizes credit and debit card payment credentials stored on an iOS or macOS device, to make purchases.

Apple Pay is only available in the Safari browser. Merchants can add up to 99 domains per merchant account.

Apple Pay button in the minicart

The Apple Pay button is visible from the product page, mini-cart, shopping cart, and checkout views.

NOTE

To use Apple Pay for your stores, complete self-registration with Apple Pay (Register your live domain section only) and configure it for your stores in Payment Services.

You can configure Apple Pay in the store configuration or the Payment Services Home. See Settings for more information.

PayPal Payment Buttons

PayPal payment buttons, which use PayPal to complete a purchase, stores your shopper’s shipping address, billing addresses, and payment details for later use. Shoppers can use any payment method previously stored or offered by PayPal.

PayPal button

You can configure PayPal payment buttons in the store configuration or the Payment Services Home. See Settings for more information.

See PayPal’s Payment methods documentation to learn in which countries each payment method is currently available.

PayPal button

Customers can check out with ease and confidence using the PayPal button.

The PayPal button is visible from the product page, mini-cart, shopping cart, and checkout views.

Venmo button

Customers can check out using the Venmo button.

The Venmo button is visible from the product page, mini-cart, shopping cart, and checkout views.

PayPal Debit or Credit card button

Customers can check out using the PayPal Debit or Credit card button.

The PayPal Debit or Credit card button is visible from the checkout page.

This option can be used to present a debit or credit card payment option to your shoppers with a PayPal-hosted button as an alternative to a credit card integration.

Pay Later button

Offer your customers short-term, interest-free payments, and other financing options so that they can buy now and pay later with the Pay Later button.

The Pay Later button is visible from the product page, mini-cart, shopping cart, and checkout views.

See information about the Pay Later offers in PayPal’s Pay Later offers documentation. Use the Country or region dropdown to select a region of interest.

See Settings to learn how to disable/enable the Pay Later messaging.

Use only PayPal payment buttons

To quickly get your store into production mode you can configure only PayPal payment buttons (Venmo, PayPal, etc.)—instead of also using the PayPal credit card payment option.

This allows you to:

  • Provide a variety of payment options for your customers, including Venmo and PayPal payment buttons, with the option to turn off PayPal hosted card fields and use an existing credit card provider.
  • Use your existing credit card provider for credit card payments, while also utilizing PayPal’s other payment options.
  • Use PayPal’s payment buttons in a region in which PayPal does not support credit cards as a payment option.

To capture payments with only PayPal payment buttons (not the PayPal credit card payment option):

  1. Ensure your store is in production mode.
  2. Configure the desired PayPal payment buttons in Settings.
  3. Turn Off the Show PayPal Credit and Debit card button option in the Payment buttons section.

To capture payments with your existing credit card provider and PayPal payment buttons:

  1. Ensure your store is in production mode.
  2. Configure the desired PayPal payment buttons.
  3. Turn Off the PayPal Show Credit and Debit card button option in the Payment buttons section.
  4. Turn Off the Show on checkout page option in the Credit card fields section and use your existing credit card provider account.

Order recalculation

When a customer enters the checkout flow from the mini-cart, shopping cart, or product page, they are directed to an order review page where they can see the selected shipping address in a PayPal popup window. After the customer selects the shipping method, the order amount is recalculated appropriately and the customer can see shipping costs and taxes.

When a customer enters the checkout flow from the checkout page, the system is already aware of the shipping address and final calculated amount, and totals are appropriately represented.

Tax holidays, shipping costs, and sales tax can vary widely from location to location. After Payment Services receives the shipping address and rate, it quickly recalculates all applicable costs and display them appropriately during the last stages of checkout.

Credit card vaulting

Shoppers can vault—or “save”—their credit card information for future purchases on the website level (any store within the same merchant’s account).

See Credit card vaulting for more information.

Security

See PCI compliance for more information.

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