Businesses on Wix have two main ways to get paid: using Wix Payments (the native system) or Connect a payment gateway to Wix. It's that simple!
If you go for the second option and look for the most reliable, best-rated alternatives with the best support for online stores, three names stand out above the rest: PayPal, Stripe, and the specialized Riskpaygo.
Each of these reduces friction at checkout and significantly increases conversions. But which one is right for you? In today's guide, we'll explain how to choose the most effective payment integration.
Comparison (at a glance) of the best payment gateways for Wix
Choosing the right payment gateway for your Wix online business depends largely on your location and the type of product you sell. However, this comparison can help you see the most important features of each:
| Footbridge | Better for… | What makes it unique |
| 🇪🇺 MONEI | Spanish market | It's the best to accept Bizum and pay less commission by selling more. |
| 💳 Stripe | Global and mobile sales | Seamless integration with Apple Pay y Google Pay for one-click payments. |
| 🛡️ RiskPayGo | High-risk businesses | Essential for CBD, adults or supplements; prevent your account from being closed. |
| 🤝 PayPal | Build trust | Ideal as a secondary method for customers who do not want to give their card. |
| 🚀 eMerchant | Subscriptions and SaaS | Specialist in recurring collections and complex payment structures. |
What you should know before choosing a payment gateway for Wix
70.22% of shopping carts are abandoned before checkout is completed. This data, calculated by the Baymard Institute Based on over 50 different studies, this is the strongest argument for taking your Wix payment gateway choice very seriously.
How payments work within a store created with Wix
Let's start with the basics. When a customer clicks the checkout icon in your Wix store, something invisible but critical happens: their payment information travels in encrypted form to a payment gateway.
Of course, the money doesn't go directly to your account, but rather The gateway acts as an intermediary between your store, the card network, and the customer's bank. If everything is in order, the transaction is authorized in seconds.
Yes, but if there's any problem (technical, compatibility, or configuration), the customer leaves empty-handed and you lose the sale.
Wix gives you two ways to manage this:
- Wix Payments, its native system, integrated directly into the control panel.
- External payment gateways, connected through the Wix App Market or through direct agreements.
Each option has its logic. But before choosing, it's worth understanding what online shoppers expect today.
What payment methods do customers expect today?
The expectations of the digital consumer have changed a lot, especially with so many options available today.
It's no longer enough to simply accept Visa and Mastercard, because a checkout that doesn't offer Apple Pay, Google Pay, or some deferred payment option (BNPL) is leaving money on the table.
The numbers don't lie: 13% of shopping cart abandonments occur directly due to a lack of payment optionsAnd on mobile, where more than 73% of ecommerce traffic is already generated, that figure rises even further.
Why a bad integration can sink your conversions
A poorly configured gateway not only generates technical errors, it also destroys user trust.
19% of shoppers abandon their cart simply because they do not trust the website's security.
Therefore, a payment integration that redirects to suspicious-looking pages, displays generic error messages, or is not mobile-responsive triggers all of the user's alarm bells.
The good news is that the same Baymard Institute study estimates that improving checkout design can recover up to $260 billion in lost orders Only in the US and the EU. Come on, that's the superpower of a well-executed integration.
Difference between Wix Payments and external payment gateways
Before making comparisons, it is necessary to understand this fundamental distinction:
| Feature | Wix Payments | External walkway |
| Integration | Native, no extra steps | Configuration required |
| Geographic availability | Limited (not all countries) | It depends on the supplier. |
| Payment methods | Tarjetas, Apple Pay, Pay Now | Varies: very broad in Stripe/MONEI |
| Wix additional fee | No extra fee | No extra Wix fees |
| Support for high risk | No | Some specialized suppliers |
| Centralized management | Dashboard Wix | External supplier panel |
The key point that many overlook is that Wix does not charge additional fees for using an external payment gateway..
The only fees you pay are those of the payment provider itself, so this eliminates one of the most widespread myths about integrating third-party solutions into Wix.
However, the real limitation of Wix Payments It's geographical. If your business operates from a country where it's not available, external gateways aren't an option, they're a necessity.
Best payment gateways for Wix in 2026
Now that you've seen relevant information that will allow you to make more informed decisions, let's analyze one by one the best platforms for integrating payments into Wix:
1. MONEI: the most complete for European businesses
If you have a business in Europe (especially in Spain), MONEI It deserves your attention. To begin with, its integration with the platform is native, so you only need to select it as your payment gateway in the settings panel and you're ready to sell.
What sets it apart from the rest is its dynamic pricing model, since The more sales you process, the lower your transaction fees will be.For a growing store, that can represent significant savings that Stripe or PayPal don't offer.
It also solves one of the major challenges of Spanish e-commerce, since it accepts Bizum and has over 22 million active users in Spain. Furthermore, it covers Google Pay, Apple Pay, credit/debit cards, and digital wallets all from a single platform.
What we liked:
- Native integration with Wix App Market.
- Prices scalable according to sales volume.
- Accepts Bizum, cards, Apple Pay, Google Pay.
- Customizable checkout with your own domain.
- Ideal for ecommerce focused on the European market.
2. PayPal: Instant trust for new customers
The truth is that PayPal It doesn't need much of an introduction. With over 400 million active accounts worldwide, its greatest asset isn't the fees, but the trust that it generates in the buyer.
Approximately the 30% of online shoppers prefer PayPal Because they don't have to enter their card details at every new store. For an e-commerce business acquiring customers for the first time, that data is invaluable.
PayPal fees for standard checkout are 3,49% + 0,49$ The fees per transaction in the US are significantly higher than the 2.9% + $0.30 charged by Stripe or Wix Payments. On a $50 sale, PayPal costs $2.24 compared to $1.75 for Stripe. It's not a dramatic difference, but it adds up in volume.
However, the smart strategy with PayPal on Wix is to use it as complementary methodnot as the main processor.
Why did we include it in the comparison?
- Commission: 3.49% + $0.49 (standard in the US).
- Ideal as a second payment option to increase trust.
- Especially effective with new buyers and international markets.
- It doesn't replace, it complements your main gateway.
3. Stripe: the standard of modern ecommerce
We continue the ranking with Stripewhich is probably the most widely used payment gateway by reputable stores worldwide.
Its reputation stems from a combination of factors, including transparent pricing, high-converting checkout, and support for virtually every payment method imaginable.
Commissions in the US are 2.9% + $0.30 per transaction Online. In Europe (EEA), they are down to 1,5% + 0,25€This makes Stripe especially competitive for businesses with a European focus.
But beware of the additional fees that pile up if you sell internationally:
| Scenery | Effective commission |
| Domestic payment (USA) | 2,9% + 0,30$ |
| International card | +1,5% extra |
| Currency conversion | +1% extra |
| Worst cumulative scenario | ~5,4% + 0,30$ |
Stripe's widely documented weakness is its automated risk engine. Merchants outside of conventional "low-risk" industries have reported unexpected account closures.
The most notable features:
- Commission: 2.9% + $0.30 (USA) / 1.5% + €0.25 (Europe).
- Apple Pay and Google Pay included.
- Optimized and customizable checkout.
- Direct integration in Wix Settings > Accept Payments.
- Not recommended for high risk industries.
4. eMerchant Authority: an alternative for more advanced needs
For businesses that need more than a standard checkout, eMerchant Authority It's an option to consider.
It is a platform that connects with Wix through compatible gateway solutions and is especially geared towards businesses that have grown beyond what Stripe or PayPal can comfortably handle.
It's not the easiest option to implementBut for certain business profiles, it provides a flexibility that general-purpose processors do not offer.
What stands out:
- Advanced scalability.
- Complex billing and robust support.
- Customized pricing.
- Wix connectivity.
5. RiskPayGo: a specific solution for high-risk ecommerce
Wix has real limitations for what are called "high-risk merchants." This means that if you sell supplements, CBD, adult products, subscription services in certain categories, or any vertical that banks label as high-risk, neither Stripe, PayPal, nor Wix Payments are going to be your long-term solution.
RiskPayGo It is specifically designed for this segment, as it operates with multiple acquiring banks, which reduces the risk of sudden account closure.
In addition, it integrates with Wix through compatible gateway solutions and offers features that high-risk merchants need.
Its advantages:
- Fast approval in less than 48 hours.
- Zero restrictions for high-risk businesses.
- Competitive commissions tailored to your volume.
- Total protection against fraud and chargebacks.
- Specialized support for CBD, adults, and supplements.
Wix Payments or an external payment gateway: which is best for your business
To clear up any doubts, this comparison table summarizes it at a glance:
| Type of business | Recommendation |
| Small shop, local market, simplicity above all | Wix Payments (if available in your country) |
| European business that wants Bizum + scalability | MONEI |
| Ecommerce with a global audience, high-converting checkout | Stripe |
| A store that wants to maximize new buyer confidence. | Stripe + PayPal as an add-on |
| High-risk vertical business | RiskPayGo or other specialized solutions |
| SaaS model or complex subscription | eMerchant Authority o Stripe (con Billing) |
How to integrate a payment gateway into Wix step by step
To integrate a payment gateway, you should know that the process is the same for most providers compatible with Wix:
- En primer lugar, ve a tu panel de Wix → Settings → Accept Payments.
- Next, you will see the options available in your country, and from there select the gateway you want to connect.
- Next, click on «Connect» and log in with your provider account (or create one if you don't already have one).
- Complete the identity and bank details verification required by the provider.
- Once connected, configure the payment methods you want to show to the customer.
- Finally, make a trial purchase Before launching. Always. Without exception.
Please note that Wix currently It does not allow connecting two card processors simultaneously..
In other words, you can have Stripe as your primary payment processor and RiskPaygo as an alternative, but not both Stripe and Square simultaneously for card payments. If this limitation affects you, it's a crucial factor to consider.
How to choose the best payment gateway according to the type of ecommerce
This is the million-dollar question, since the best gateway is the one that meets the specific needs of your business. To help you make a good choice, here are three questions you should answer before deciding:
Where are your customers?
If 80% of your sales are in Spain or Europe, MONEI with its pricing model Dynamic and with support for Bizum, it makes more sense than Stripe. If you sell globally, Stripe is unbeatable in currency hedging (135+).
What is your monthly volume?
At low volumes, Stripe's fixed fees (2.9% + $0.30) are perfectly reasonable.
Upon exceeding $80,000-$100,000 per month, Stripe offers personalized pricing. which can go down to 2.2% + $0.30 and MONEI dynamically adjusts its rates from the first euro.
In what industry do you operate?
If you have any doubts about whether your vertical is "high risk," act as if it were. The cost of having your Stripe account closed at peak sales is much greater than the cost of... hire a specialized provider like RiskPaygo from the beginning.
The right payment gateway can make all the difference in your Wix store
Without a doubt, a bad decision in payment integration can cause you to lose money through lost conversions, customers who don't trust you, payment methods that your users expect but can't find, and much more.
Don't let that happen to you and Choose a reliable solution like RiskPaygo, that approves you in less than 48 hours and gives you the lowest commissions for your high-risk businesses.
Frequently Asked Questions
What is the best payment gateway for Wix?
It depends on the context. For European businesses focused on Spain, MONEI stands out for its Bizum support, but for global e-commerce businesses requiring maximum flexibility, RiskPayGo is the standard. However, for businesses just starting out in a supported country, Wix Payments offers the simplest integration.
Does Wix charge fees for processing payments?
No. Wix does not add its own fees to transactions processed by external payment gateways. The only fees you pay are those of your chosen payment provider.
Which payment gateway has the fewest payment rejections?
There is no definitive public data per provider, but Stripe has a solid reputation for approval rates in low-risk markets, thanks to its smart authorization system. For businesses with a history of high chargebacks or in high-risk verticals, specialized processors like RiskPayGo offer better approval rates because they work with multiple acquiring banks.
Is it possible to integrate PayPal and Stripe simultaneously into Wix?
Yes, but with some caveats. Wix doesn't allow two active card processors simultaneously, but PayPal works as an alternative payment method, and you can have Stripe as your primary card processor.
What options are available for high-risk businesses on Wix?
Wix's native options aren't designed for high-risk industries and may close accounts without notice. RiskPayGo is a specialized solution for this segment, offering 24-48 hour approvals, support for multiple acquiring banks, and chargeback protection.
