Payment methods
Payment methods by country: how shoppers pay online around the world
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Cards work almost everywhere, but each country has a payment habit of its own: Pix in Brazil, iDEAL in the Netherlands, BLIK in Poland, UPI in India, Swish in Sweden. This guide covers what shoppers in each country use to pay online, from official and processor sources, and states plainly which of those methods PlatformDTC checkout offers there today and which it doesn't, so you know what your customers will see.
| Country | What shoppers there use |
|---|---|
| United States | Cards and wallets lead; Cash App Pay, ACH bank debits and BNPL such as Affirm and Afterpay follow. |
| Canada | Credit cards and wallets online; Interac Debit reaches the web through Apple Pay and Google Pay. |
| Mexico | Cards (often in interest-free installments) and OXXO cash vouchers paid at convenience stores. |
| Brazil | Pix instant bank payments and Boleto vouchers sit beside cards as everyday ways to pay. |
| United Kingdom | Cards and wallets, with open-banking Pay by Bank and BNPL from Clearpay and Klarna. |
| Germany | E-payment wallets such as PayPal lead online, alongside Klarna invoices and SEPA Direct Debit. |
| France | Bank cards on the Cartes Bancaires network dominate, almost all co-badged with Visa or Mastercard. |
| Netherlands | iDEAL bank payments, now becoming Wero, are by far the usual way to pay online. |
| Belgium | Bancontact cards and app payments are the local habit; Wero and Klarna pay later are also live. |
| Austria | EPS online bank transfers are accepted by most Austrian shops, with Klarna and cards alongside. |
| Switzerland | TWINT mobile payments are the Swiss favourite, with cards, PayPal and Klarna alongside. |
| Ireland | Cards and phone wallets lead; open-banking Pay by Bank and Klarna pay in 3 are newer options. |
| Spain | Cards and Bizum, the bank-backed phone payment, with PayPal and Klarna pay in 3 alongside. |
| Italy | Cards and PayPal, plus Italian phone wallets Satispay and BANCOMAT Pay, and Klarna pay in 3. |
| Portugal | Multibanco references and the MB WAY phone wallet are the local ways to pay; cards follow. |
| Poland | BLIK six-digit codes from the banking app dominate, with Przelewy24 bank transfers alongside. |
| Sweden | Debit cards first online, then Swish and buy now, pay later, according to the Riksbank. |
| Denmark | Cards, increasingly inside phone wallets, plus MobilePay and the national Dankort card. |
| Norway | Vipps phone payments and cards, many carrying Norway's own BankAxept network. |
| Finland | Online bank payments lead, with MobilePay and Siirto rising and several pay-later brands. |
| Czech Republic | Cards and bank transfers filled in by scanning a QR Platba code, plus Klarna in koruna. |
| Greece | Cards, plus IRIS account-to-account payments, which Greek law requires businesses to offer. |
| China | Alipay and WeChat Pay wallets dominate; UnionPay is the domestic card network. |
| Japan | Cards including JCB, cash at convenience stores (konbini) and the PayPay phone wallet. |
| South Korea | Locally issued Korean cards and wallets such as Kakao Pay, Naver Pay, PAYCO and Samsung Pay. |
| Hong Kong | Cards and wallets, plus the 24/7 Faster Payment System for bank and e-wallet transfers. |
| Taiwan | Cards plus local e-payment apps such as JKOPay, LINE Pay and the banks' Taiwan Pay. |
| Australia | Cards, most co-branded with the local eftpos network, plus Afterpay, Zip and PayTo bank payments. |
| New Zealand | Cards and wallets, Afterpay and Klarna pay later, and BECS direct debit from NZ bank accounts. |
| India | UPI real-time bank payments from any banking or wallet app, alongside cards. |
| Singapore | Cards and wallets, PayNow instant transfers from bank apps, and the GrabPay wallet. |
| Malaysia | FPX online banking payments run by PayNet, the GrabPay wallet, and cards. |
| Thailand | PromptPay QR payments from any Thai bank app, plus cards. |
| Indonesia | QRIS, Bank Indonesia's single national QR code, and e-wallets such as GoPay. |
| Philippines | The GCash app and InstaPay transfers between banks and e-money wallets, plus cards. |
| Vietnam | VietQR instant bank transfers on NAPAS, the MoMo wallet, and cards. |
| Turkey | Cards dominate, including Turkey's own TROY network, plus BKM's bex card wallet. |
| Saudi Arabia | mada cards, owned by the central bank, lead; sarie instant transfers and Tamara instalments follow. |
| United Arab Emirates | Cards, the new Jaywan domestic card, Aani instant payments, and Tabby or Tamara instalments. |
| Kuwait | KNET local debit cards carry most online payments, with Wamd for instant transfers. |
| Qatar | Local debit cards through the QPay gateway and Fawran instant payments by phone number. |
| Egypt | InstaPay instant transfers, Meeza national cards and Fawry cash payments, alongside cards. |
| Israel | Payment cards first, then bank transfers and payment apps such as bit. |
| South Africa | Cards, plus bank-to-bank payments through Ozow, PayShap real-time transfers and SnapScan QR. |
| Argentina | Mercado Pago, cards and bank-app QR payments that work across wallets under Transferencias 3.0. |
| Chile | Debit cards lead, with electronic bank transfers and transfer-based checkouts such as Khipu. |
| Colombia | PSE online bank payments, Bre-B instant transfers by key, the Nequi app and cards. |
What PlatformDTC checkout offers in every country
Every PlatformDTC store takes cards through Stripe's card form, charged on the store's own Stripe account, with Apple Pay and Google Pay at the top of checkout wherever the shopper's device supports them. All three work for subscriptions. The store's own PayPal shows when the market is priced in one of PayPal's 22 currencies.
Klarna and Afterpay appear on one-time orders only, in the shopper's own currency, when the store's Stripe account country qualifies. Bank redirects, vouchers and local wallets such as Pix, iDEAL, BLIK, UPI, PayNow or TWINT are not offered today.
| Country | Local favourites | PlatformDTC checkout offers |
|---|---|---|
| Argentina | Mercado Pago, cards, interoperable QR, MODO | Cards, Apple Pay, Google Pay |
| Australia | Cards and eftpos, Afterpay, PayTo, Zip | Cards, Apple Pay, Google Pay, PayPal, Klarna, Afterpay |
| Austria | EPS bank payments, Klarna, cards | Cards, Apple Pay, Google Pay, PayPal, Klarna |
| Belgium | Bancontact, cards, Wero | Cards, Apple Pay, Google Pay, PayPal, Klarna |
| Brazil | Pix, Boleto, cards | Cards, Apple Pay, Google Pay, PayPal |
| Canada | Cards, Interac Debit, PayPal, Affirm | Cards, Apple Pay, Google Pay, PayPal, Klarna, Afterpay |
| Chile | Debit cards, bank transfers, Khipu | Cards, Apple Pay, Google Pay |
| China | Alipay, WeChat Pay, UnionPay | Cards, Apple Pay, Google Pay, PayPal |
| Colombia | PSE bank payments, Bre-B, Nequi, cards | Cards, Apple Pay, Google Pay |
| Czech Republic | Cards, QR Platba bank transfers, Klarna | Cards, Apple Pay, Google Pay, PayPal, Klarna |
| Denmark | Cards (Dankort), MobilePay, Klarna | Cards, Apple Pay, Google Pay, PayPal, Klarna |
| Egypt | Meeza cards, InstaPay, Fawry cash, cards | Cards, Apple Pay, Google Pay; MyFatoorah for Egyptian stores |
| Finland | Online bank payments, MobilePay, Siirto, Klarna | Cards, Apple Pay, Google Pay, PayPal, Klarna |
| France | Cartes Bancaires cards, PayPal, Klarna | Cards, Apple Pay, Google Pay, PayPal, Klarna |
| Germany | PayPal and other e-payments, Klarna, SEPA Direct Debit, cards | Cards, Apple Pay, Google Pay, PayPal, Klarna |
| Greece | Cards, IRIS instant payments, Klarna | Cards, Apple Pay, Google Pay, PayPal, Klarna |
| Hong Kong | Cards, FPS, Octopus, Alipay | Cards, Apple Pay, Google Pay, PayPal |
| India | UPI, cards | Cards, Apple Pay, Google Pay |
| Indonesia | QRIS, e-wallets such as GoPay | Cards, Apple Pay, Google Pay |
| Ireland | Cards, mobile wallets, Pay by Bank, Klarna | Cards, Apple Pay, Google Pay, PayPal, Klarna |
| Israel | Cards, bit, bank transfers | Cards, Apple Pay, Google Pay, PayPal |
| Italy | Cards, PayPal, Satispay, BANCOMAT Pay, Klarna | Cards, Apple Pay, Google Pay, PayPal, Klarna |
| Japan | Cards (JCB), konbini cash, PayPay | Cards, Apple Pay, Google Pay, PayPal |
| Kuwait | KNET debit cards, Wamd | Cards, Apple Pay, Google Pay; MyFatoorah for Kuwaiti stores |
| Malaysia | FPX online banking, GrabPay, cards | Cards, Apple Pay, Google Pay, PayPal |
| Mexico | Cards, OXXO cash vouchers, meses sin intereses | Cards, Apple Pay, Google Pay, PayPal |
| Netherlands | iDEAL | Wero, cards, Klarna | Cards, Apple Pay, Google Pay, PayPal, Klarna |
| New Zealand | Cards, Afterpay, bank direct debit | Cards, Apple Pay, Google Pay, PayPal, Klarna, Afterpay |
| Norway | Cards (BankAxept), Vipps, Klarna | Cards, Apple Pay, Google Pay, PayPal, Klarna |
| Philippines | GCash, InstaPay transfers, cards | Cards, Apple Pay, Google Pay, PayPal |
| Poland | BLIK, Przelewy24, cards, Klarna | Cards, Apple Pay, Google Pay, PayPal, Klarna |
| Portugal | Multibanco, MB WAY, cards | Cards, Apple Pay, Google Pay, PayPal, Klarna |
| Qatar | Qatari debit cards via QPay, Fawran | Cards, Apple Pay, Google Pay; MyFatoorah for Qatari stores |
| Saudi Arabia | mada cards, sarie transfers, Tamara | Cards, Apple Pay, Google Pay; MyFatoorah for Saudi stores |
| Singapore | Cards, PayNow, GrabPay | Cards, Apple Pay, Google Pay, PayPal |
| South Africa | Cards, Ozow bank payments, PayShap, SnapScan | Cards, Apple Pay, Google Pay |
| South Korea | Korean cards, Kakao Pay, Naver Pay, PAYCO, Samsung Pay | Cards, Apple Pay, Google Pay; PayPal outside won pricing |
| Spain | Cards, Bizum, PayPal, Klarna | Cards, Apple Pay, Google Pay, PayPal, Klarna |
| Sweden | Debit cards, Swish, Klarna | Cards, Apple Pay, Google Pay, PayPal, Klarna |
| Switzerland | TWINT, cards, PayPal, Klarna | Cards, Apple Pay, Google Pay, PayPal, Klarna |
| Taiwan | Cards, JKOPay, LINE Pay, Taiwan Pay | Cards, Apple Pay, Google Pay, PayPal |
| Thailand | PromptPay QR, cards | Cards, Apple Pay, Google Pay, PayPal |
| Turkey | Cards incl. TROY, bex wallet | Cards, Apple Pay, Google Pay; PayPal outside lira pricing |
| United Arab Emirates | Cards, Jaywan, Aani, Tabby, Tamara | Cards, Apple Pay, Google Pay; MyFatoorah for UAE stores |
| United Kingdom | Cards, PayPal, Pay by Bank, Clearpay, Klarna | Cards, Apple Pay, Google Pay, PayPal, Klarna, Clearpay |
| United States | Cards, Cash App Pay, ACH, Affirm, Afterpay | Cards, Apple Pay, Google Pay, PayPal, Klarna, Afterpay |
| Vietnam | VietQR bank transfers, MoMo, cards | Cards, Apple Pay, Google Pay |
Rules that decide what a shopper sees
PayPal charges in AUD, BRL, CAD, CZK, DKK, EUR, HKD, HUF, ILS, JPY, MXN, TWD, NZD, NOK, PHP, PLN, GBP, SGD, SEK, CHF, THB and USD. A market priced in another currency, such as Korean won or Indian rupees, hides the PayPal button. Chinese yuan and Malaysian ringgit are left out because PayPal takes them only on a PayPal account in China or Malaysia.
PlatformDTC shows Klarna to shoppers in 23 countries. Inside the EEA, the UK and Switzerland a store can sell to shoppers in any of them; in the US, Canada, Australia and New Zealand store and shopper must be in the same country. Afterpay (Clearpay in the UK) is domestic only, in Australia, Canada, New Zealand, the UK and the US.
- Klarna cart limits: $1–$10,000 (US), £1–£4,000, €1–€10,000 (€5,000 in the Netherlands; €4,000 in France, Greece, Ireland, Italy, Portugal), A$1–A$4,000, C$1–C$17,500, NZ$10–NZ$2,000, CHF 1–5,000
- Afterpay limits: A$1–A$4,000, C$1–C$2,000, NZ$1–NZ$4,000, £1–£1,200, $1–$2,000
- Neither Klarna nor Afterpay ever appears on a subscription cart
Frequently asked questions
- Which payment methods work in every country on PlatformDTC?
- Cards, Apple Pay and Google Pay. They show on every PlatformDTC checkout where the shopper's device and card support them, and they work for subscriptions.
- Why doesn't PayPal show for some of my markets?
- PlatformDTC's PayPal button charges in 22 currencies. If a market is priced in another currency, such as Korean won, Indian rupees or Turkish lira, PayPal is hidden. Pricing that market in a PayPal currency brings it back.
- Does PlatformDTC offer local methods like Pix, iDEAL or UPI?
- Not today. PlatformDTC checkout offers cards, Apple Pay, Google Pay, PayPal, Klarna and Afterpay. Each country page says which local methods are missing and what shoppers there can use instead.
- What is DTCPay?
- PlatformDTC's own one-tap checkout. A returning shopper whose card is saved in the PlatformDTC network can pay in one tap. It replaces Stripe's Link, which PlatformDTC checkout doesn't show.
Sources
- Payment method support — Stripe
- Cards: supported card brands — Stripe
- Klarna payments — Stripe
- Afterpay and Clearpay payments — Stripe
- PayPal payments — Stripe
- Study on the payment attitudes of consumers in the euro area (SPACE) 2024 — European Central Bank