9 Best Ecommerce Payment Alternatives to Credit Cards

Alternative payment options than credit cards
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If you are focused on ecommerce conversion optimization, you know that accepting payments is the most important feature of your online business. And if you’re like most businesses, you probably accept credit cards as your primary source of payment. 

But for many potential consumers, using credit cards to buy online is a dubious and potentially dangerous venture.

So the question becomes how to capture a consumer’s payment in a way that makes them feel safe and secure. 

Turns out there are many other ecommerce payment alternatives you can use. Not everyone has a credit card, and some people prefer not to use them due to the high interest rates, fees and security issues. 

This leaves ecommerce businesses looking for alternative ways to accept payments from their customers.

In this post, we’ll discuss the 9 best ecommerce payment alternatives to credit cards. So, whether you’re looking to reduce your processing fees or want to offer your customers more payment options, read on for the top 9 ecommerce payment solutions.

non credit card conversion optimization experts

Give users check out options of payment beyond the traditional credit cards

Why Use Alternative Forms of Online Payment

When you use your credit card to purchase something online, you are putting your personal information at risk. Your name, address, and credit card number are all stored on the website’s server. If the website’s security is breached, this information could be accessed by hackers.

When you use your credit card online, you put yourself at risk for a number of potential dangers, including:

– Identity theft

This is when someone steals your personal information and uses it to open accounts in your name or make fraudulent purchases.

– Credit card fraud

This is when someone uses your credit card information to make unauthorized charges.

– Financial damage

If someone obtains your credit card information and makes unauthorized charges, you may have to pay the resulting bill. This could cause significant financial damage.

– Online payment alternatives offer more security than using a credit card.

– Alternative forms of payment are often faster and more affordable than using a credit card.

For these reasons, it’s important to explore alternative payment methods when making purchases online. Here are several safe and convenient ecommerce payment alternatives to credit cards.

1 – PayPal

Perhaps the most popular ecommerce payment alternative is PayPal. You can use PayPal to send and receive payments without having to input your credit card information. 

Additionally, PayPal offers buyer protection in case there are any issues with your purchase. PayPal is a web-based system that allows customers to pay for goods and services with a debit or credit card, or with their PayPal account balance. 

PayPal is one of the most trusted payment processors on the web, and it’s accepted by thousands of merchants worldwide.

One of the benefits of PayPal is that it’s very user-friendly. 

Customers can quickly and easily pay for items without having to enter any payment information. And because PayPal is web-based, it’s accessible from any device, including mobile devices.

If you’re looking for a payment solution that’s both fast and easy to use, PayPal is a great option.

2 – Apple Pay

Another popular ecommerce payment alternative is Apple Pay. Apple Pay allows customers to make payments with their iPhone or iPad. 

To use Apple Pay, customers simply add their credit or debit card information to their device and then use their fingerprint to authorize payments.

Apple Pay is a secure way to pay for goods and services online, and it’s accepted by many of the world’s largest merchants. 

Plus, with Apple Pay, customers can take advantage of Touch ID, which is a secure way to access their card information.

If you’re an iPhone or iPad user, Apple Pay is a great payment solution to consider.

3 – Google Wallet

Google Wallet is another popular ecommerce payment alternative. Like PayPal and Apple Pay, Google Wallet allows customers to pay for goods and services online with a debit or credit card, or with their Google Wallet balance. 

What makes Google Wallet different from other payment processors is that it also allows customers to send and receive money transfers.

Google Wallet is a great option for businesses that want to offer their customers multiple ways to pay. And because it’s web-based, it’s accessible from any device.

If you’re looking for a payment solution that offers more than just credit and debit card processing, Google Wallet is a great option to consider.

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Online shopping options should be robust

4 – Amazon Payments

Amazon Payments is a service that lets you use your Amazon account to pay for goods and services on third-party websites. 

To use Amazon Payments, you’ll need to add a credit or debit card to your Amazon account. You can then use your Amazon account to pay for goods and services on third-party websites that accept Amazon Payments.

There are two ways to use Amazon Payments:

1 – You can use your Amazon account to login to third-party websites and make payments using the information stored in your Amazon account.

2 – You can use the Amazon Payments button on third-party websites to make payments with your Amazon account. When you click the button, you’ll be taken to an Amazon page where you can login to your Amazon account and complete the payment.

Amazon Payments is available in many countries, including the United States, Canada, the United Kingdom, Germany, France, Italy, Spain, and Japan.

If you’re a website owner, you don’t have to be web conversion experts to understand the benefits of accepting Amazon Payments on your website. To do so, you’ll need to sign up for an Amazon Payments account and then add the Amazon Payments button to your website.

Amazon Payments is a convenient way for consumers to pay for goods and services on third-party websites. And for website owners, Amazon Payments can help increase sales by making it easier for consumers to pay for goods and services on their website.

5 – Gift Cards

Many websites allow consumers to purchase items through gift cards. Gift cards are prepaid cards that can be used to buy products and services from specific retailers or restaurants. Gift cards can be purchased with cash or a credit card, and they offer a convenient way for consumers to shop without having to use a credit card.

6 – Ach and E-checks

Online shoppers can use ACH and e-checks to make purchases without a credit card. 

ACH is an electronic network that connects financial institutions and allows for the transfer of funds between them. 

E-checks are a type of ACH transaction in which the shopper’s bank account is debited for the purchase amount. To use either payment method, shoppers simply need to enter their bank account information on the checkout page.

7 – Square

More and more consumers are using their mobile devices to make payments. This can be done through a service like Square aka SquareUp, which allows customers to pay with their phones by simply taking a picture of the credit card number.

8 – BitPay

BitPay is a payment processing company that allows consumers to pay for products and services with bitcoin without having to use a credit card. BitPay converts bitcoin into dollars, which the vendor then receives.

Don’t confuse BitPay and bitcoins with the Non Fungible Token (NFT) form of virtual payments that have become popular for buying one-of-a-kind art or collectibles.

No, BitPay is a more adaptable payment process that eliminates the need for credit cards and creates a safe and secure way for consumers to purchase items online.

BitPay also offers a debit card that can be used to spend Bitcoin at any merchant that accepts Visa or Mastercard.

9 – Dwolla

Dwolla is a payment processing company that allows consumers to make purchases on websites without using a credit card. Dwolla is an alternative payment method that is growing in popularity. 

Consumers can use Dwolla to pay for goods and services online, and they can also use Dwolla to send money to friends and family. Dwolla is a convenient and secure way to make online payments.

To use Dwolla, consumers simply need to create an account and link their bank account to their Dwolla account. 

Once the bank account is linked, consumers can start making purchases on websites that accept Dwolla. To pay for a purchase, consumers simply enter their Dwolla username and password at checkout. Dwolla is free to use for most transactions, and there are no fees for sending or receiving money.

Maximize your conversion rate optimization strategies

Maximize your conversion rate optimization strategies

How To Increase Website Traffic To Increase Conversions

Offering a variety of payment options is only so good as the volume of traffic that comes to your website.

It’s the old adage that no party is successful if no invitations were sent. 

You need to start with a smart Search Engine Optimization (SEO) strategy that includes finding keywords specific to your product or service. 

Incorporating those keywords into the text on your pages and blog posts will help you rank for those words that drive new business. 

To keep you solely focused on growing your business, it’s advised to partner with a digital marketing company that can manage the SEO strategy. 

By optimizing their website for search engines, businesses can draw more web traffic to their site. This is especially important for businesses that are selling products or services online.

Web conversion experts can help businesses increase their web traffic by improving their search engine ranking. This is done through a variety of techniques, such as keyword research and Guest Post backlinking.

If you’re looking to improve your website’s conversion rate, contact a web conversion company today.

In Conclusion 

There are many different ecommerce payment alternatives available to businesses and consumers. Each has its own unique features and benefits. When choosing a payment processor, it’s important to consider your needs and preferences. 

If you’re looking for a fast and easy way to pay for goods and services online, PayPal, Apple Pay or Google Wallet are all great options to consider.

If you’re interested in finding better ways to maximize conversions and offer a variety of payment options, call the experts in digital marketing in Calabasas, Ca. 

Avita Digital can help you find better ways to turn web surfers into customers. 


Avita Group is a digital marketing firm based in Calabasas, California. We specialize in organic Search Engine Optimization (SEO), Pay Per Click (PPC) campaign management, Online Reputation Management (ORM), website creation and conversion optimization. 

The Avita Group team boasts a collective experience of over 25 years in the industry and has worked with a variety of multi-million dollar companies to help them improve their ROI, build better brand awareness, and mitigate negative online reviews and results.

Contact us today for a free consultation.