Wix Payments 2022: Should You Use It? Fees, Setup, and More

Best for small online stores

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4.7

out of 5
Powering

220 million sites

Starting from

$23.00

Best for

Best for Small Online Stores

Overall rating

5 out of 5 stars

With a Wix business plan, anyone can reap the benefits of Wix Payments: a free payment gateway for your online store. It's a comprehensive solution to managing your payments and orders, all from the convenience of one central dashboard, so you don't need to outsource to a third party.

Wix Payments is Wix’s 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 all credit and debit cards is fixed at 2.9% + $0.30.

Considering Wix is our top ecommerce website builder overall, with a score of 4.7 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.

Wix Payments: Pros & Cons

Wix Payments Pros Wix Payments Cons
All-in-one payments dashboard – makes it easier to manage all of your transactions Customers may not be familiar with it – many prefer to trust payment providers they know like Stripe or PayPal
You can offer other payment methods alongside Wix Payments, such as 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
On-site checkout for customers creates a more streamlined and on-brand checkout experience Only supported in 15 countries, and six currencies – less than ideal for multi-language stores

Read on to discover exactly what Wix Payments is, who can use it, details of fees, and who we recommend it for.

What Is Wix Payments?

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.

Wix Payments is 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

Wix Payments is 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 Payments is to offer a secure, efficient, and convenient payment method for your business that can be easily managed from one central dashboard.

Further Information

What Fees Does Wix Payments Charge?

Processing Fees: 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 best ecommerce website builder. Our second best option, Shopify, does charge 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.

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 business plans to use it and accept payments through your site. Wix’s business plans start at $27 per month, with the Business Basic plan, and go up to $59 per month on the Business VIP plan.

It’s also worth mentioning that Wix scores 4.4 out of 5 for value for money 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: No Fees

Wix Payments doesn’t charge you to process refunds or chargebacks on your account, meaning the only money leaving your account is the amount returning to the customer. This is a great perk, and a real win for Wix Payments, since other payment processors issue a fee each time a customer requests a chargeback:

Wix Payments Stripe PayPal
Chargeback fee None $15 $20
What are chargebacks?

A chargeback happens when a customer doesn’t recognize the transaction, the product was not as expected, or the product never arrived. Unlike normal refunds, chargebacks involve the customer’s bank or payment network, which issue an immediate refund.

You’ll know if a customer has been refunded their transaction by their credit card company, as the transaction will be labeled as Chargeback in your Wix Payments dashboard. You can either accept this decision, or dispute it if you can prove the transaction was valid.

Although there are no fees for chargebacks when using Wix Payments, 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.

What Payment Methods Does Wix Payments Accept?

Wix Payments lets you accept payments from all major credit cards, including:

  • Visa
  • Mastercard
  • American Express
  • Discover
  • Diners
  • CUP
  • JCB
  • Maestro

Additionally, Apple Pay is available, and the payment function will automatically be displayed to Apple users on your store.

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
  • PayPal
  • Apple Pay
  • AliPay (provided by Stripe)
  • Manual payments
  • Wix POS
wix payments select methods
You’re not limited to just one payment provider – you can choose Wix Payments and PayPal, for example.

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.

How Does Wix Payments Compare to Other Payment Processors?

Wix Payments is convenient for Wix users and customers alike, and it helps you manage all of your transactions in one place. It’s super simple to get to grips with, which makes it perfect for beginners and small businesses. But is it good enough to switch from the payment processor you’re used to using?

No. of countries No. of currencies supported Processing Fees Stay on-site for checkout? Chargeback Fees
Wix Payments 15 6 2.9% + $0.30 ✔️
PayPal 200+ 25 2.9% + $0.30 $20
Stripe 47 135+ 2.9% + $0.30 $15

As you can see, 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.

wix payments and paypal checkout options
Having multiple checkout options gives customers greater control and flexibility over how they want to purchase your products or services.

Who Can Use Wix Payments?

Anyone with a Wix 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).

Supported Countries

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!

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 business and ecommerce plans, and their monthly versus annual subscription costs, per month:

Business Basic Business Unlimited Business VIP
Monthly $34 $38 $64
Equivalent monthly cost, billed yearly $27 $32 $59

Further Information

  • Wix Pricing Review: Wondering which business plan is right for you? Our Wix pricing review will help you decide.

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
  • Airlines
  • Animal and wildlife products
  • Auctions

And that’s just the A’s – 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.

wix payments restricted businesses
Make sure you check that your products and services are allowed before signing up to Wix Payments.

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.

How Do You 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.

If you already have a Wix site, 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.

wix payments and paypal
Easily connect your desired payment methods to your Wix 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.

wix payments dashboard
Wix clearly lists what you need to do to set up Wix Payments.

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.

wix payments account details
You'll need to wait for approval from Wix after submitting your personal details.

Who Do We Recommend Wix Payments For?

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 Wix Payments 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.

Further Information

What Other Payment Processors Does Wix Provide?

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)
  • Braintree
  • Klarna
  • PayPal
  • Pinwheel
  • Square
  • Stripe

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: Conclusion

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, and its lack of chargeback 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 Wix Payments 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.

FAQs

You can choose your preferred payout cycle so that payouts are sent daily, weekly, or monthly depending on your individual needs. Weekly payouts are sent every Monday, and monthly payouts are sent on the first day of every month.

Remember to allow three to five business days for funds to land in your account.

Wix Payments is fully PCI DSS compliant, which is the highest information security standard for companies accepting credit card payments.

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.

There’s a whole list of restricted and prohibited products and services that aren’t allowed to use Wix Payments. Examples of such businesses include:

  • Adult entertainments
  • Airlines
  • Animal and wildlife products
  • Auctions
  • Betting and gambling
  • Cruise lines
  • Drugs and CBD
  • Fantasy sports league
  • Financial services
  • Medical devices
  • Pseudoscience services (such as fortune telling)
  • Timeshare
  • Tattoos
  • Telemarketing
  • 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.

Yes! Wix Payments lets you charge one-off payments, as well as recurring payments, such as subscriptions, memberships, and packages.
No — at least, not yet! Although Wix Payments supports six different currencies, you have to choose one for your store. You can’t sell in multiple currencies at once, which makes life difficult for multilingual stores.

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.

Wix can come across as overwhelming. It has a ton of features and design tools to get used to, and it can difficult to know where to start. For an online store, Wix Payments makes the payment process seamless, but it does fall behind its larger competitors, like PayPal and Stripe. It only operates in 15 countries currently, and you’re limited to six currencies, which isn’t ideal for international stores. Still, Wix is the best ecommerce website builder on the market for a reason – we love its flexibility, ease of use, and feature-rich plans.

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