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 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:

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 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.

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Digital Wallets

Fastlane button

Fastlane offers a quick, secure, and hassle-free way to pay online. During a Guest checkout, you can securely store your card and shipping details for even faster purchases in the future.

When Fastlane is enabled, the Credit Card Fields option is disabled by default.

See Fastlane by PayPal topic for more information.

Apple Pay button

With Apple Pay, merchants can provide a secure, streamlined checkout experience (for up to 99 domains per merchant account), which can increase conversions.

See What’s new in Wallet and Apple Pay (Apple Developer, WWDC24) for Apple’s overview of this flow.

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When enabled, the Apple Pay button is visible from the product page, mini-cart, shopping cart, and checkout views. You can configure Apple Pay in the store configuration or the extension’s Home.

Customers can apply or remove a single cart price rule (coupon) code during the Apple Pay express checkout.

See Settings for more information.

Limitations for Apple Pay express

Promotional codes in the Apple Pay pay sheet

Non-Safari browsers

Google Pay button

By integrating Google Pay into your checkout experience, merchants can collect saved payment, contact, and shipping information from the shopper’s Google Account, offering a convenient, streamlined checkout across supported browsers and apps.

Google Pay is only available in certain countries or regions and on certain devices. See Google Pay documentation for more information.

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When enabled, the Google Pay button is visible from the product page, mini-cart, shopping cart, and checkout views. See Settings for more information.

Google Pay express checkout can show shipping methods in the Google Pay sheet, support an optional review step (configure Skip Review), and include a promotional code field during checkout.

Limitations for Google Pay express

Shipping in the pay sheet

Promotional codes in the Google Pay pay sheet

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.

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You can configure PayPal payment buttons in the store configuration or the Payment Services Home.

Learn about availability of payment methods by country in PayPal’s Payment methods documentation.

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 the PayPal Developer documentation. Use the Country or region dropdown to select a region of interest.

Learn how to disable or enable the Pay Later messaging by updating the Settings configuration.

Optional. Configure Pay Later Messaging

Configure messaging for Pay Later allows merchants to modify the default styles for this payment option. If you set Display Pay Later Message to Yes in your Settings configuration, a Configure Messaging modal button is displayed so you can set the styles for the PayPal Pay Later messaging.

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Server-side shipping callbacks for PayPal payment buttons

PayPal, Pay Later, and Venmo payment methods use a server-side shipping callback that enables PayPal to communicate directly with your Commerce instance to retrieve shipping options and calculate totals in real time.

This server-side approach allows Payment Services to skip the order confirmation pop-up, providing a faster, streamlined purchase experience. Because shipping costs and taxes are calculated dynamically through callbacks, the buyer sees accurate totals directly in the PayPal or Venmo review page.

Use only PayPal payment buttons

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

This allows you to:

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

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

Local Payment Methods

Local Payment Methods (LPMs) provide support for region-specific and local payment methods, such as bank transfers and localized payment solutions, alongside existing card-based options. Merchants can enable or disable available LPMs directly within the Commerce configuration. LPMs expand Adobe’s payment capabilities, support European market needs, improve checkout localization, and help increase conversion, merchant adoption, and buyer satisfaction.

Available LPMs include:

LPMs are displayed to customers based on their billing address and their website’s base currency. A payment method appears only when both conditions match the payment method’s requirements.

See Local Payment Methods configuration for more information.

Express checkout buttons

To encourage a faster checkout experience, express payment options are available at the beginning of the checkout flow. Customers can complete their purchase using PayPal, PayPal Pay Later, Venmo, Apple Pay, or Google Pay.

Once enabled, express checkout buttons are displayed at the beginning of the checkout process, providing a faster path to purchase for customers who prefer digital wallet payment methods.

To enable express checkout buttons, configure each payment method individually:

Checkout Options

With Payment Services, you can configure the checkout experience for Adobe Commerce to best suit your shoppers’ preferences and behaviors. Features such as credit card vaulting and order auto-voiding ensure a seamless, hassle-free transaction for your customers.

With Adobe Commerce and Magento Open Source Payment Services, you have multiple checkout experiences available to you. There are different behaviors for each payment method depending on where you are in the checkout process:

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.

Learn about availability of payment methods by country in PayPal’s Payment methods documentation.