Best for Small Online Stores
The Wix website builder has Wix Payments, a free, in-house payment gateway. Anyone with a Wix business plan can use it, removing the need for third-party processors. It’s available in 15 countries (including the US), and you can use it alongside PayPal to offer more choice to customers. Plus, the processing fee for Wix Payments POS is fixed at 2.6% + $0 in the US and 2.7% + $0 in Canada. When using manual card entry this goes up to 2.9% + 0.30 USD or CAD.
Considering Wix is our top ecommerce website builder overall, with a score of 4.8 out of 5 in our research, it’s no surprise that Wix Payments makes it even easier for online merchants to streamline processes and focus on selling!
But is it right for you? We’ll help you decide in this review. Let’s start off with the pros and cons of Wix Payments.
Here’s a quick look at the pros and cons of using Wix Payments for your online store. Read the full article to discover exactly what Wix Payments is, who can use it, details of fees, and who we recommend it for based on our research.
✔️ All-in-one payments dashboard – makes it easier to manage all of your transactions
✔️ You can offer other payment methods – alongside Wix Payments you can use payment methods like PayPal
✔️ On-site checkout for customers – creates a more streamlined and on-brand checkout experience
❌ Customers may not be familiar with it – many prefer to trust payment providers they know like Stripe or PayPal
❌ Not all businesses are eligible to use Wix Payments – there’s a list of prohibited products or services that you need to check first
❌ Only supported in 15 countries, and six currencies – less than ideal for multi-language stores
Wix Payments is Wix’s native payment provider, allowing you to accept payments through your Wix website. It’s like choosing PayPal or Stripe to process payments, but with Wix Payments, everything is kept in one place instead of outsourcing to third party platforms. The amount of live Wix stores in 2023 increased 43% year-over-year in Q2.
It’s now one of the main options available when setting up payments through your Wix website. But there are plenty of routes to take, including:
- Wix Payments – Accept credit and debit cards directly through Wix
- PayPal – Accept payments from customers using PayPal
- Stripe – Accept payments from customers using Stripe
- Klarna – Accept ‘buy now, pay later’ payments from customers
- Manual payments – Accept cash, cheques, or other offline payments
- Square card reader – Accept credit card payments on the go using the Wix Mobile app
- Pinwheel – Pinwheel Pay connects users to multiple banks, cards, and payment networks.
Wix Payments also offers an additional 40+ different payment gateways, making it a comprehensive solution for managing your payments online. It lets you:
- Accept secure online payments
- Manage all transactions from your Wix dashboard
- Handle your payout schedule
- Process refunds and chargebacks
- Offer flexible payments, from memberships to subscriptions
- Accept payments from any device
- Access 24/7 customer support
All of this without the need to use a third-party payment provider! The idea behind Wix’s own payment system is to offer a secure, efficient, and convenient payment method for your business that can be easily managed from one central dashboard.
Although it says the processing fees are 2.9% + $0.30, it’s a touch more complicated than that because it depends on the payment method your customers are using. Each payment method will have a different processing fee, let’s look more closely at them below.
|Processor||Fees (US)||Fees (International)|
|Credit/Debit Card with Wix Payments||2.9% + 30¢ per transaction||1.9%-2.9%, depending on location|
|Wix Payments Point of Sale (POS)||2.6% + $0 per transaction||2.7% + 0 CAD (only available in US and Canada)|
Processing Fees: Between 1.9% and 2.9% + $0.30
Wix Payments is free to use and charges no transaction fees. In fact, Wix doesn’t charge transaction fees on any of its payment methods. This sets Wix apart from other builders and solidifies its position as the second best ecommerce website builder. Our best ecommerce builder being Shopify, which charges fees unless you use its in-house payment processor, Shopify Payments.
However, all payment providers charge a processing fee as standard, and Wix Payments is no different.
To accept credit and debit card payments, Wix Payments sets a processing fee of 2.9% of the transaction amount, plus $0.30. This is charged for every payment you receive through Wix Payments. However fees can go down to 1.9% for those in the EU, so it’s worth checking your country on the fee page.
Wix’s processing fees are pretty standard – both PayPal and Stripe charge the same 2.9% + $0.30 fee as a basic rate. While some payment processors vary their rates depending on the size of your business, or the credit cards being processed, Wix Payments always charges 2.9% + $0.30 for everyone. So you don’t need to wrap your head around lots of figures. It’s the same across the board!
Setup Fees: None
Wix Payments doesn’t come with any setup fees, but you do need to be on one of Wix’s paid plans to use it and accept payments through your site. Wix’s Core plan starts at $27 per month (when billed annually), and you can progress up to $32 per month on the Business plan to gain extra features.
It’s also worth mentioning that Wix scores 4.4 out of 5 for value for money, the best score in our ecommerce research. Considering that, and with no additional setup fees for Wix Payments, using Wix for your online store is a very affordable route to take.
Refunds and Chargebacks: Processing Fees and $15
For refunded payments in the U.S., you’ll be charged the processing fee of 2.9% +$0.30, so if you are refunding your customer on their purchase of $50, you’ll be charged $1.45. Plus the $0.30 for that customer’s purchase will not be put back into your account.
Wix Payments now charges you to process refunds or chargebacks on your account, meaning when the money is returned to customers for defective products or payment mistakes. Again the amount of chargeback fee you’ll pay depends on where you are regionally. The charges are as follows:
- Canada: $15.00
- European Union: €15.00
- Switzerland: ₣15.00
- UK: £15.00
- US: $15.00
You’ll know if a customer has been refunded their transaction by their credit card company, as the transaction will be labeled as a “Chargeback” in your Wix Payments dashboard. You can either accept this decision, or dispute it if you can prove the transaction was valid.
If you’re receiving too many chargeback demands, this could eventually result in closing your account. Most businesses process less than one chargeback per 100 transactions.
Wix Payments lets you accept payments from all major credit cards, including:
- American Express
Additionally, Apple Pay is available, and the payment function will automatically be displayed to Apple users on your store. Also it might be worth noting that Wix does not accept payments made over the phone.
If you’re selling outside of the US, Wix Payments has a few extras for you. Merchants in Austria, Belgium, Germany, and Switzerland can accept payments via Pay Now by Klarna. If you’re in the Netherlands, you can use iDeal, and merchants in Germany can accept payments via Giropay. Unfortunately, US dollars are not supported as a currency for any of these payment methods at this time.
Combining Wix Payments With Other Payments Providers
Using Wix Payments can be a successful way of giving customers more choice at checkout. The payment providers you can offer alongside Wix Payments varies from country to country, but US merchants can offer a combination of the payment methods, including:
- Wix Payments
- Apple Pay
- AliPay (provided by Stripe)
- Manual payments
- Wix POS
This highlights a big benefit of Wix Payments, which is that it allows customers more freedom at checkout to choose a payment method they feel most familiar with.
There’s no doubt that Wix is popular, with a website builder market share of 9.5%, coming in behind Shopify (38.2%) and GoDaddy (27.9%). Not to mention the most global searches online of any other builder, with 3.8 million searching for Wix.
Wix Payments helps you manage all of your transactions in one place, and is a good extension of the Wix ecommerce features, which are ranked the best in our research, with a score of 4.5 out of 5. But let’s see how it compares to other payment methods on the market:
|Processor||Fees (US)||Fees (International)||Selling in multiple currencies?||Discounts for nonprofits?||POS* payments supported?|
|Credit/Debit Card with Wix Payments||2.9% + 30¢ per transaction||1.9%-2.9%, depending on location||✔||✔||✔|
|Wix Payments Point of Sale (POS)||2.6% + $0 per transaction||2.7% + 0 CAD (only available in US and Canada)||✘||✘||✔|
|Apply Pay||2.9% + 30¢ per transaction||1.9%-2.9%, depending on location||✔||✔||✔|
|PayPal||2.9% + 30¢ per transaction||4.4% + fixed fee based on currency||✔||✔||✘|
|Stripe||2.9% + 30¢ per transaction||+1%||✔||✔||✔|
The main benefit to Wix Payments is that it keeps customers on your site for checkout, rather than directing them to a third-party page. This can create a more frictionless and on-brand customer journey.
However, a lot of customers feel safer and happier using a payment processor they trust, such as PayPal. Our advice is to offer both Wix Payments and PayPal, to cover all bases, and to give your customers the freedom to choose. Unfortunately, it seems Wix doesn’t support Stripe alongside Wix Payments – but it can be connected as a third-party provider.
Anyone with a Wix Core or Business plan can use Wix Payments, as long as you’re in a supported country, and your business isn’t on Wix’s restricted list (we’ll go into more detail on that in a minute).
Sadly, Wix Payments isn’t available in every country right now. For the time being, here’s a list of the 15 countries, including the six currencies available, that Wix Payments operates in:
- Austria: EUR
- Belgium: EUR
- Brazil: BRL
- Canada: CAD
- Finland: EUR
- Germany: EUR
- Ireland: EUR
- Italy: EUR
- Lithuania: EUR
- Netherlands: EUR
- Portugal: EUR
- Spain: EUR
- Switzerland: CHF
- UK: GBP
- USA: USD
This is a pretty small selection compared to other payment processors – especially when you consider that PayPal is available in over 200 countries! For businesses that are international Wix Payments might not be for you, and we’d recommend PayPal instead.
Core and Business Plan Customers
As we’ve already mentioned, to accept payments through your Wix website, you need to be on a business plan. Here’s a quick overview of Wix’s Core, Business, and Business Elite plans, and their monthly versus annual subscription costs, per month:
|Equivalent monthly cost, billed yearly||$27||$32||$159||Custom pricing|
As we’ve mentioned, in our research Wix does the best in the ecommerce value for money category, with a score of 4.4 out of 5. That’s because it has increased the amount of the languages it supports, from 29 to 180, offering more scalability for businesses looking to expand internationally.
Wix also updated its buy now buttons, logo generator, and offers greater omnichannel selling, including Instagram for those who sell through it. Therefore, despite increasing its prices by 17% this year, all the feature updates make it well worth the price tag.
But is Wix Payments good value for money? In short, yes. Wix plans are better value than, say, Shopify’s. The Basic Shopify plan starts at $29 per month when paid annually, which is already more expensive than the Wix Core plan. And Shopify charges transaction fees on top of its processing fees, whereas Wix doesn’t.
Shopify also charges for premium themes upwards of $150, but there are no fees on transactions in Shopify Payments. Shopify Payments also offers over 100 card payment providers, we’d say even with Wix Payment’s 2.9% + $0.30 processing fee, it still offers sellers more room to develop their store.
- Wix Pricing: Wondering which business plan is right for you? Our Wix pricing review will help you decide.
- How Much Does a Web Site Cost?: Want the latest information on how much a website costs, this article has you covered.
- Domain Name Costs: Keep all your costs in check by finding out all the little extra costs like domain names here.
Valid Business Products and Services
Wix has a list of restricted products and services that can’t be sold through Wix Payments. These outright banned businesses include, but are not limited, to:
- Activities involving weapons
- Adult entertainment
- Animal and wildlife products
And that’s just the As – there’s around 60+ prohibited products and services in total.
There’s a whole other, thankfully smaller, list for businesses that may use Wix Payments, but need explicit written permission to do so. This list includes ticket agencies, charities, and car sales.
To check if your business comes under Wix Payments’ prohibited category, check out the full list of restricted products and services.
It’s worth noting that Wix Payments is not alone in restricting the types of businesses allowed to use its services. Both PayPal and Stripe also have lists of prohibited services and activities, including similar topics, such as gambling, adult content, and weapons.
When we tested Wix for ease of use it scored a fantastic 4 out of 5, making it one of the easiest ecommerce builders to use. To set up Wix Payments, if you’re starting from scratch, you’ll need to begin by creating a Wix business site. You can set up payments for your site on the free plan, but you’ll need one of Wix’s premium business plans to actually accept payments.
Then head to your Wix dashboard and click “Accept Payments” from the left-hand menu. Then click “Add Payment Methods”, and select the payment methods you want to make available on your website.
You’ll then need to finish setting up Wix Payments by clicking “Complete Setup” – this takes you directly to your dedicated Wix Payments dashboard, where you’ll find steps to follow so you can launch Wix Payments on your site.
The key is to finish entering your account details, such as your business type, personal information, including name and address, and bank account details, so you can receive your payments!
Once you’ve submitted all of your details, you’ll then have to wait to be approved by Wix before you can start using Wix Payments on your website.
We recommend Wix Payments for sellers wanting an all-in-one, convenient way to manage their online transactions. It’s ideal for businesses who already have loyal customers that know and trust you – otherwise, you could miss out on sales from people who prefer using familiar payment processors.
One of the things we like most about it is that it’s free and easy to use, and it can be offered alongside other popular payment methods, such as PayPal, to avoid putting any customers off. We recommend making the most of this and giving your customers a choice at checkout.
- Checkout Page Optimization Tips: Discover 13 top tips to keep customers happy while they pay.
Wix Payments isn’t your only option when it comes to processing sales through your online store, but it’s definitely one of the most convenient to use.
Wix has partnered with over 70 payment providers around the world – here’s a brief look at some of the payment options available in the US:
- Wix Payments
- Manual payments
- Alipay (through Stripe)
- Choice Payment Solutions
To check out payment methods for your particular location, and for setup details, check out Wix’s full list of available payment providers.
Wix Payments is a worthy addition to your checkout. It holds its own next to PayPal and Stripe in terms of reasonable, transparent processing fees. It’s not quite as versatile as other, more established payment processors – its small range of countries and currencies lets it down.
We recommend Wix Payments for sellers looking for an easy, convenient, and affordable payment processor. Its biggest draw is that you can manage all of your transactions from one central dashboard, putting ease and convenience at the forefront.
While Wix Payments provides a more frictionless checkout for customers by allowing them to pay directly on-site, it’s also less familiar. Customers may still prefer to have a recognizable option such as PayPal that they know and trust.
One of our favorite things about it is the fact you can use it alongside other payment methods – make the most of this flexibility, and be sure to give customers both options.
Remember to allow three to five business days for funds to land in your account.
It’s also PSD2 SCA compliant, which is important for European merchants. HTTPS and TLS data encryption ensure a secure checkout, and Wix’s AI risk system helps to avoid common fraud attacks.
- Adult entertainments
- Animal and wildlife products
- Betting and gambling
- Cruise lines
- Drugs and CBD
- Fantasy sports league
- Financial services
- Medical devices
- Pseudoscience services (such as fortune telling)
- Tobacco and alcohol products
Please note, this is not the full list — check Wix’s restricted and prohibited products to see if your business is valid.
The currency of your Wix store is based on your bank account’s location (for individual accounts), or the country of your business’ registration (for business accounts). So if your business is registered in the US, for example, then you can only sell in USD.