Which digital wallet should an online store add first?

For most stores, Apple Pay and Google Pay first, because they reach the widest set of shoppers and are card payments underneath, so refunds and chargebacks work the way you already know. PayPal next, since Stripe describes it as usable by customers in any country. Add local wallets only where many of your shoppers live in that market.

Do digital wallets cost more than cards?

It depends on the wallet. Google says it charges no extra fee to accept Google Pay, and Stripe says you pay only its processing fees for Apple Pay payments it processes. PayPal, Amazon Pay and local wallets have their own pricing, listed on the provider's or Stripe's pricing page.

Can customers file chargebacks on wallet payments?

On Apple Pay and Google Pay, yes: Stripe handles them like card disputes. PayPal, Amazon Pay and Cash App Pay have their own dispute processes. Stripe says Alipay, WeChat Pay and GrabPay customers cannot file chargebacks; they can only ask you for a refund.

Which wallets work for subscriptions on PlatformDTC?

Apple Pay, Google Pay and PayPal. PlatformDTC saves the wallet card or the PayPal account at the first order and charges it for each renewal, so subscribers don't have to come back and pay by hand.

Payment methods

Digital wallets for online stores: which ones to offer and how they work

Checked October 31, 2026

A digital wallet lets a shopper pay with details they have already saved, such as a card in Apple Wallet, a Google Account, a PayPal login or a stored balance, instead of typing a card number. Some wallets are cards underneath and follow card rules for refunds and chargebacks; others hold their own balance and work differently. This guide covers the wallets store owners ask about most, where each one works, and which ones PlatformDTC checkout shows.

Wallet	In short
Apple Pay	Apple's wallet: shoppers pay with a card saved on iPhone, iPad, Mac or Apple Watch.
Google Pay	Google's wallet: shoppers pay with any card saved to their Google Account.
PayPal	Shoppers log in to PayPal and pay from their balance, a linked card or bank, or pay later.
Link (Stripe)	Stripe's wallet: shoppers save card, bank and address details once and reuse them anywhere Link works.
Amazon Pay	Shoppers check out on your site with the payment and shipping details in their Amazon account.
Cash App Pay	US wallet: shoppers approve in Cash App, paying from their Cash App balance or linked debit card.
Alipay	Chinese wallet: shoppers from China pay by signing in or scanning a QR code with the Alipay app.
WeChat Pay	Wallet inside the WeChat app: Chinese shoppers scan a QR code and approve in WeChat.
GrabPay	Grab's wallet for Malaysia and Singapore: shoppers pay from their GrabPay balance with a one-time password.
Kakao Pay	South Korean wallet: Korean shoppers are redirected to approve the payment, priced in won.
Naver Pay	South Korean wallet from Naver; shoppers can put Naver Pay points toward the purchase.
Samsung Pay	Samsung's wallet, offered online by Stripe for South Korean shoppers paying in won.
Shop Pay	Shopify's accelerated checkout: saved details for one-tap buying, tied to Shopify Payments.
Venmo	PayPal's US payment app: US shoppers approve checkout payments in the Venmo app, in US dollars.

Which wallets PlatformDTC checkout offers

PlatformDTC checkout puts wallets in an express row at the top of the page, so a shopper can pay before filling in the card form. The table shows what each store gets today.

Wallet	On PlatformDTC checkout	Subscriptions
Apple Pay	Yes, shown first in the express row on every supported device	Yes
Google Pay	Yes, in the express row on every supported browser	Yes
PayPal	Yes, through the store's own PayPal account, in 22 currencies	Yes
Amazon Pay	No, not today	—
Venmo	Only inside PayPal's own button, for eligible US shoppers	Not promised
Link (Stripe)	No; DTCPay one-tap checkout replaces it	Not applicable
Shop Pay	No; Shop Pay belongs to Shopify. DTCPay does the same job	Not applicable
Cash App Pay, Alipay, WeChat Pay, GrabPay, Kakao Pay, Naver Pay, Samsung Pay	Not offered today	Not applicable

Wallets on PlatformDTC checkout (checked 2026-10-31)

Card wallets and balance wallets work differently after the sale

Apple Pay and Google Pay pass a card payment to your processor. Stripe says refunds and disputes for both follow the same process as card payments, so your normal chargeback rules apply.

Wallets that hold their own balance set their own rules. Stripe says Alipay, WeChat Pay and GrabPay customers cannot file a chargeback at all, while PayPal, Amazon Pay and Cash App Pay run their own dispute processes with their own deadlines.

Refund windows differ: 90 days for Alipay, GrabPay, Amazon Pay and Cash App Pay; 180 days for WeChat Pay and PayPal; 365 days for South Korean wallets.
Subscriptions need a wallet that can be charged again without the shopper present. Apple Pay, Google Pay, PayPal, Amazon Pay, Cash App Pay, Kakao Pay and Naver Pay support that; Alipay and WeChat Pay only in limited previews; GrabPay and Samsung Pay do not.

Pick wallets by where your shoppers live

Apple Pay, Google Pay and PayPal reach shoppers in most countries. The others are strong in one market: Cash App Pay in the US, Alipay and WeChat Pay with shoppers from China, GrabPay in Malaysia and Singapore, and Kakao Pay, Naver Pay and Samsung Pay in South Korea. Each entry below says which business locations can accept it and what currency the shopper must be charged in.

Frequently asked questions

Which digital wallet should an online store add first?: For most stores, Apple Pay and Google Pay first, because they reach the widest set of shoppers and are card payments underneath, so refunds and chargebacks work the way you already know. PayPal next, since Stripe describes it as usable by customers in any country. Add local wallets only where many of your shoppers live in that market.
Do digital wallets cost more than cards?: It depends on the wallet. Google says it charges no extra fee to accept Google Pay, and Stripe says you pay only its processing fees for Apple Pay payments it processes. PayPal, Amazon Pay and local wallets have their own pricing, listed on the provider's or Stripe's pricing page.
Can customers file chargebacks on wallet payments?: On Apple Pay and Google Pay, yes: Stripe handles them like card disputes. PayPal, Amazon Pay and Cash App Pay have their own dispute processes. Stripe says Alipay, WeChat Pay and GrabPay customers cannot file chargebacks; they can only ask you for a refund.
Which wallets work for subscriptions on PlatformDTC?: Apple Pay, Google Pay and PayPal. PlatformDTC saves the wallet card or the PayPal account at the first order and charges it for each renewal, so subscribers don't have to come back and pay by hand.