10 WordPress Payment Options for E-Commerce

Selecting the right payment gateway is an important step to take as a European e-commerce merchant who runs on a WordPress website.

Payment gateways serve several functions that range from accepting credit card payments to processing automatic recurring transactions. When a payment system is well-integrated into your site, it fosters customer trust and higher conversion rates while streamlining back-end management.

WordPress offers a plethora of plugins, tools, and integrations that enable you to accept payments easily and securely. Familiarity with the best WordPress payment options available today will help you identify the best solution for your e-commerce store.

1. WooCommerce Payments (Built-In)

If you’re already using WooCommerce on WordPress, WooCommerce Payments is an obvious choice to start with. This solution was created by the same team that developed WooCommerce, which means it is built seamlessly into your WordPress dashboard.

Key features:

• Fully integrated into WooCommerce
• WooCommerce is PCI compliant
• Support for recurring payments and subscriptions
• Dispute management and refunds directly from your store admin panel
• Transparent transaction fees (starting at around 1.4% + a fixed fee per transaction)

WooCommerce Payments is a robust option for both new and experienced merchants. It eliminates the need for a separate merchant account and payment processor, supports multiple currencies, and handles cross-border transactions.

Best for: WooCommerce users looking for a streamlined, integrated payment option

2. Unicorn Group (Third-Party API)

Third-party API solutions have more flexibility and typically better global coverage compared to native WordPress payment plugins. One of the best options is Unicorn Group and our secure global payment gateway.

Our solution is built for performance, flexibility, and compliance with a wide array of features, designed for serious businesses looking to establish and scale across borders.

Strategic features:

• Support for hundreds of currencies and dozens of countries, ideal for international merchants
• High transaction acceptance rate, especially useful in regions where other gateways might decline payments
• Customisable fraud prevention and chargeback protection tools
• Level 1 PCI compliance, ensuring secure handling of payment information
• Supports international credit and debit cards, Apple Pay and Google Pay, and bank transfers via the SEPA and ACH schemes
• Developer-friendly API for custom payment forms and workflows
• Transparent pricing with low transaction fees and optional premium add-ons

Whether you want to take recurring payments, offer direct debit, or simply process payments with as little friction as possible, our payment gateway does it all.

Best for: Serious European businesses that want a higher level of control over their transaction and fraud settings, that operate across borders, or that have subscription-based businesses

3. Stripe via WP Simple Pay

WP Simple Pay is a highly regarded WordPress payment plugin that uses Stripe and has an easy-to-use interface. It is popular with merchants who don’t use WooCommerce.

Key features:

• No shopping cart required
• Accept credit card payments, Apple Pay, Google Pay, and direct debit
• Supports automatic recurring payments and subscriptions
• Includes built-in payment forms with customisation options
• Premium version adds advanced features like coupon codes and invoice generation

Best for: WordPress Simple Pay is perfect for people who need to accept payments via landing pages or sales pages for a single product without a full cart setup.

4. PayPal Payments

PayPal is still one of the most widely used payment gateways for WordPress. It integrates seamlessly with WooCommerce and other plugins.

Key features:

• Accepts PayPal, Pay Later, debit, and credit cards
• Enables one-click checkout with saved PayPal credentials
• Supports subscriptions and recurring payments
• Excellent buyer and seller protections
• Trusted by millions of online shoppers

PayPal is well-known for its robust reputation, broad acceptance, and ease of use, even though transaction fees may be a little higher than those of other payment processors.

Ideal for: PayPal is good for hobbyists and fledgling businesses that need an accessible way to get started with accepting payments

5. Mollie Payments for WooCommerce

Mollie is a European payment processor that integrates with WordPress and offers robust support for local payment options.

Key features:

• Accept payments via iDEAL, Bancontact, SEPA, Klarna, Sofort, PayPal, and more
• Supports multiple payment methods across Europe
• Easy-to-use plugin for WooCommerce
• Zero setup fees or monthly fees, pay per transaction
• Great for recurring payments, pay-later models, and subscriptions

Ideal for: Small businesses in Europe that want to get started with selling products online

6. Square for WooCommerce

Square is growing in popularity in both e-commerce and physical retail. You can easily integrate online and in-store payments with the Square for WooCommerce plugin.

Key features:

• Syncs products and inventory between WooCommerce and Square POS
• Accepts credit and debit cards, Apple Pay, and Google Pay
• Supports refunds and dispute resolution
• PCI-DSS compliant and fully secure
• Fixed and transparent transaction fees

Ideal for: Square is a good choice if you run a hybrid store that sells both digital and physical goods, and you want to centralise your inventory and payment information.

7. Razorpay for WordPress

Razorpay is a rapidly expanding payment processor with a modern user interface, a variety of payment methods, and robust support for custom payment forms.

Key features:

• Accepts cards, UPI, netbanking, wallets, and more
• Integrated fraud checks and dispute management
• Supports recurring payments
• Minimal setup fees and competitive transaction costs
• Useful for businesses targeting Southeast Asia and India

Razorpay offers great API functionality and is still usable by merchants with a global clientele, despite its greatest presence being outside of Europe.

Ideal for: WordPress websites catering to emerging or global markets

8. Authorize.net Payment Gateway for WooCommerce

Authorize.net is a dependable, enterprise-level payment processor that is popular in North America and some parts of Europe. It offers a plugin for WooCommerce.

Key features:

• Accept credit cards, debit cards, and eCheques
• Subscription billing and automatic recurring payments
• Supports stored payment methods for faster checkout
• Excellent fraud detection and prevention tools

Ideal for: Companies that require enterprise-level security and dependability

9. Cryptocurrency Payment Plugins

Taking cryptocurrency payments is becoming increasingly important for progressive retailers. Several plugins that facilitate the collection of Bitcoin, Ethereum, and other digital currency payments are supported by WordPress.

Key features:

• Accept payments in 100+ cryptocurrencies
• Real-time conversion into fiat currencies
• WooCommerce-compatible plugins like NOWPayments or CoinPayments
• No chargebacks—ideal for digital goods
• Set up in under 15 minutes

These plugins enable smooth cryptocurrency checkout options and support a variety of payment gateways.

Ideal for: Companies that serve tech-savvy or foreign clients who wish to use cryptocurrency for payments

10. GiveWP for Donations and Nonprofits

GiveWP is the greatest plugin available if you run a nonprofit organisation or want to accept donations on your WordPress website.

Key features:

• Clean donation forms with full customisation
• Support for credit card, PayPal, Apple Pay, and Google Pay
• Recurring donation support
• Donor management dashboard
• Reporting tools and marketing add-ons

GiveWP comes in two versions: a free version with limited functionality and a premium version that grants access to more sophisticated features, integrations, and personalised workflows.

Ideal for: Any e-commerce website that also takes donations or nonprofit organisations

Choosing the Best WordPress Payment Plugin

Refer to the following checklist to help you choose the right solution for your e-commerce business:

Criteria	Why It Matters
Supports multiple payment methods	Let users pay how they prefer: cards, mobile payments, bank transfers
Transparent transaction fees and setup fees	Keep your costs predictable
Recurring payment support	Ideal for subscriptions or memberships
Local payment options	Improve conversions in European markets
Security & compliance	PCI-DSS compliance is essential for protecting payment information
Integration with WordPress dashboard	Simplifies management and reduces friction
Flexible APIs	Useful for custom payment experiences or scaling globally

Optimise Your Payment Strategy for Success

The e-commerce sector in Europe is growing at an incredible pace, and your website on WordPress deserves a payment solution that is capable of growing with you. WordPress is known to be one of the best website builders for small businesses. Thankfully, there is a range of strong payment options available for entrepreneurs who use this platform.

Whether you are just starting with WooCommerce Payments or implementing a lightweight Stripe-powered form with WP Simple Pay, the right WordPress payment plugin is critical. The time spent picking your plugin will be worth it in terms of conversions, transaction costs, and the time you save on support.

Look for a payment gateway with a wide range of payment options, a strong fraud guarantee, and clear pricing. Most importantly, choose a payment solution that matches your business strategies and technical abilities.