The Best Mobile Payment Options for E-Commerce

This year, Americans will spend upwards of three and half hours on mobile every day. A significant portion of that time is dedicated to e-commerce with impressive results.

The average smartphone conversion rate is up 64% on desktop, and more than one in four e-commerce transactions in 2018 will be done on mobile.

To win their share of this lucrative market, companies need to provide a range of secure payment options to meet their customers’ needs.

These are the options leading the pack for accepting online payments.


PayPal is the largest third party payment provider. It’s moved from its original online-only offering to an innovative “PayPal Here” option in some brick and mortar stores (like Lowe’s).

There are over 87 million active accounts in 203 countries and 24 currencies around the world.

For sellers, PayPal is a low-friction option. It both sends and receives money. No merchant account is needed to set it up. Nearly every shopping cart widget has easy PayPal access.

Its popularity means customers likely already have a PayPal account, but they don’t need one to make a credit card payment. That’s a major draw for security cautious customers. PayPal’s reputation for strong encryption and security boost consumer confidence as well.

Processing fees are below traditional credit card processing companies. Merchants can expect to pay 2.9% + $0.30 per transaction for debit and credit card purchases.

Anything under $10 is charges at 5% + $0.05, though this can be avoided by using PayPal Pro in the US, UK, and Canada. Funds are available soon after being sent, usually appearing in a recipient’s account within minutes.

Some banks do charge fees for receiving PayPal transfers. It’s not common, but it is worth checking. Even if they don’t, PayPal charges higher than average chargeback fees and may hold those funds while settling a dispute with a buyer.

PayPal’s security protocols can be a disadvantage at times. The hypervigilant algorithm may freeze accounts when suspicious behavior is detected.

That’s a boon if the activity was fraudulent, but even if it was the merchant can’t accept payments until the matter is resolved. PayPal users should take full advantage of the platform’s text alerts and respond promptly when messaged about a discrepancy. is a well-established online payment gateway serving more than 400,000 merchants. It caters mainly to businesses above the sole-proprietor level.

The reason for this is cost. is one of the pricier online payment options for business, with a $49 setup fee and a monthly gateway fee of $25 on top of transaction fees (2.9% + $0.30 per transaction).

The company charges an additional 1.5% international fee, where “international” means anywhere except Europe, Australia, Canada, and the US. There’s a $25 fee per chargeback, too.

Because uses batch processing, funds take time to hit a merchant’s account after being transferred.

Despite the price, maintains a steady user base thanks to its generous security and accounting features.

Merchants can Quick-sync with QuickBooks, take payments over the phone, set up recurring charges to a regular client, and even accept PayPal. Users have access to a free mobile app for managing their account on the go.

Everything is protected by the Advanced Fraud Detection Suite and’s best in class customer service and support. For companies that need a personal touch, it’s a reliable and attentive platform.

Amazon Payments

Like PayPal, Amazon Payments focuses on being fast and secure. It streamlines the checkout process and allows its customers to use popular Amazon features like A-to-Z Guarantee and 1-Click shipping.

There are over 87 million active accounts in 24 currencies. Amazon has account info stored for 200 million existing subscribers of its other services which gives them a deep pool of potential fast-acquisition users.

Amazon Payments matches PayPal’s 2.9% + $0.30 per transaction fee structure. No monthly fees or minimums are charged using the standard account (as long as less than $1000 is sent per month).

The platform has the lowest international rate when it comes to mainstream options (only 1%) and will waive fees when making charitable donations.

Basic site integration is straightforward. The WooCommerce Pay with the Amazon extension is free to use, and there’s a nice selection of fraud protection and merchant tools.

For increased safety and convenience customers never leave the merchant’s website during the checkout process.

Amazon Payments does feel a little limited compared to PayPal and It’s only available in the USA, France, Germany, Italy, Japan, Spain, India and the United Kingdom.

Amazon Payments handles fewer payment types than its competitors. If more than a payment button is wanted, integrating with existing online stores requires some programming knowledge.

Options Improve Customer Experience

Even merchants who already take credit card payments online through traditional processors should consider accepting one or more of these options as well.

Customers are more likely to make a purchase when they see their preferred platform. Conversely, they abandon their cart if they can’t pay easily and securely. A good rule of thumb is to offer at least three diverse payment options, at least one of which is completely digital.

Orlando Mobile App Development Company

Concepta, one of Orlando’s leading mobile development companies, has more than a decade of experience solving digital problems for customers.

Our client base stretches across very different industries (travel and tourism, education, government, and more), so when it comes to payment options they use a variety of tools.

That gives us a lot of experience with the drawbacks and advantages of the current mobile payment services.

Are you setting up an e-commerce store and wondering which payment options will appeal to your audience? Set up a free consultation with Concepta’s mobile development experts to explore your options!

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