Payment Options

With Adobe Commerce and Magento Open Source Payment Services, you have multiple payment options available to you. You can configure these payment options through:

• Home settings
• Store configuration (recommended for legacy payment options or a multistore 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 cart
• 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

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.

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.

PayPal Smart Buttons

PayPal Smart 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.

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

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.

Apple Pay button

Customers can use Touch ID on their devices to use Apple Pay, which utilizes credit and debit card payment credentials stored on their iOS or macOS device.

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

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:

• When a customer selects a product between $30 and $600, messaging under the PayPal and Pay Later buttons gives the customer more information about the Pay in 4 payment option. Customers can click Learn more to learn about the “Pay in 4” option or click the “Or see 6 months special financing” text in the popup to learn about and apply for the PayPal Credit option.

• When a customer selects a product or products exceeding $98.99, messaging under the PayPal and Pay Later buttons gives customers more information about the PayPal Credit payment option. Customers can click Learn more to learn about and apply for the PayPal Credit option, or click the “Or see Pay in 4” text in the popup to learn about the Pay in 4 option.

  NOTE

  The amounts listed above are subject to change.

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

There are two payment options with the Pay Later button:

• Pay in 4—Customers can pay their order balance in four interest-free payments (every two weeks) after an initial down payment. See the Pay in 4 documentation for more information.
• PayPal Credit—Customers can pay their order balance in full over six months, interest-free. See the PayPal Credit documentation for more information.

Pay Now button

The Pay Now button is visible in the PayPal popup window when a customer clicks a payment button on the payments screen.

If the final order amount is not yet known (such as when you do not yet have shipping address information) and the customer is in the process of checking out from the product page, mini-cart, or shopping cart, a Continue button is available instead. When a customer clicks Continue, after they confirm their payment method, they are directed to an order review page to gather the needed details before completing checkout.

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.

Checkout from product page

When a customer checks out directly from the product page, using the PayPal or Pay Later buttons, only the item represented in the current product page is purchased. Items already residing in the customer’s cart is not added to the checkout flow and is not purchased.

If the customer cancels the order, the item in the current product page is added to the customer’s cart, joining any other items present in the cart. This function allows the customer to quickly purchase the item they are currently viewing, while also retaining any other items they added to their cart previously when browsing products.

When a customer enters the checkout flow from the product page, the checkout page is simplified—the view only shows order-related data and options.

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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