A seamless and secure payment process is critical for every WooCommerce store. Customers expect fast, convenient, and trustworthy payment methods, and accepting card payments remains at the core of online transactions. However, WooCommerce’s default payment options are limited when it comes to handling credit and debit card payments directly on-site with advanced features like fraud detection, PCI compliance, or multi-currency support.
That’s where WooCommerce Payment by Card Plugins become essential. These plugins are specifically designed to integrate card payment gateways into your WooCommerce store, enabling you to accept credit and debit card payments with enhanced security and smooth checkout experiences. Whether you are targeting a local audience or managing global transactions, these plugins allow you to offer reliable payment solutions that meet modern eCommerce standards.
As online fraud threats evolve and customer expectations increase, choosing the right WooCommerce Payment by Card Plugin is a strategic move to ensure transaction security, reduce cart abandonment, and improve customer trust. This blog will guide you through the 10 best plugins that help WooCommerce store owners process card payments efficiently and securely in 2025.
What Are WooCommerce Payment by Card Plugins and Why Do You Need Them?
What Are WooCommerce Payment by Card Plugins?
WooCommerce Payment by Card Plugins are specialized extensions that enable WooCommerce stores to accept credit and debit card payments through integrated payment gateways. These plugins connect your online store with popular card processors like Stripe, PayPal, Authorize.Net, Square, and others, providing a secure channel for customers to complete their purchases using cards.
By default, WooCommerce offers basic payment functionalities, but they often lack the robust features needed for secure card processing. WooCommerce Payment by Card Plugins enhance this by adding:
- On-site card payment forms.
- PCI DSS compliance and encryption.
- Multi-currency and multi-language support.
- Fraud prevention and risk management tools.
- Support for recurring payments or subscriptions.
These plugins ensure that sensitive card data is handled securely, maintaining compliance with international payment standards while delivering a user-friendly checkout process.
Why Are WooCommerce Payment by Card Plugins Essential?
The ability to accept card payments is non-negotiable for any online store. Here’s why WooCommerce Payment by Card Plugins are vital for your WooCommerce website:
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Improved Customer Convenience: Card payments remain the most preferred method for online shopping worldwide. Offering a smooth card checkout enhances customer satisfaction.
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Secure Payment Processing: These plugins ensure that all card transactions are encrypted, reducing the risk of fraud and data breaches.
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Reduced Cart Abandonment Rates: A complex or redirect-based payment process often leads to abandoned carts. On-site card payments streamline the checkout flow.
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Compliance with Global Standards: WooCommerce Payment by Card Plugins ensure your store meets payment security regulations like PCI DSS.
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Increased Sales Opportunities: Many plugins support global card processors, allowing you to accept payments from international customers without hassle.
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Advanced Features for Growing Stores: Features like saved cards, recurring billing, and installment payments are made possible through these plugins.
Without robust WooCommerce Payment by Card Plugins, your store risks losing customers to competitors who offer a faster and more secure checkout experience.
Uses and Benefits of WooCommerce Payment by Card Plugins
Where Are WooCommerce Payment by Card Plugins Used?
WooCommerce Payment by Card Plugins are implemented across a wide variety of eCommerce scenarios where secure and efficient card payment processing is crucial. They are commonly used in:
- Retail eCommerce Stores: Selling physical products with one-time card payments.
- Digital Goods and Downloads: Facilitating instant payment for software, eBooks, or digital media.
- Subscription Services: Managing recurring billing cycles for memberships or SaaS products.
- Service-Based Businesses: Accepting upfront payments for consultations, bookings, or online courses.
- Global Marketplaces: Handling international card payments with multi-currency support.
By integrating these plugins, WooCommerce store owners can offer a frictionless payment experience, ensuring that customers complete purchases quickly and securely without being redirected to third-party sites.
Key Benefits of Using WooCommerce Payment by Card Plugins
- Seamless Card Payment Integration
These plugins enable customers to complete credit and debit card transactions directly on the website, enhancing convenience. - Enhanced Checkout Security
Built-in compliance with PCI DSS standards ensures that all sensitive card data is encrypted and securely processed. - Reduced Cart Abandonment
On-site card payments streamline the checkout process, minimizing friction and drop-offs caused by external redirects. - Support for Multiple Payment Gateways
Many WooCommerce Payment by Card Plugins support popular gateways like Stripe, PayPal, Authorize.Net, and Square, offering flexibility for merchants. - Global Transaction Capabilities
Multi-currency processing, language support, and region-specific payment methods enable stores to cater to international customers. - Recurring Payments and Subscriptions
Certain plugins offer advanced billing features like subscription management, installment plans, and saved card details for future transactions. - Fraud Detection and Risk Management
Many plugins are equipped with anti-fraud measures, helping detect and block suspicious transactions in real-time. - Mobile-Friendly Checkout Experience
Optimized payment forms ensure a smooth and responsive checkout process on mobile devices, which is critical for modern eCommerce.
For WooCommerce businesses aiming to provide a fast, secure, and user-friendly payment process, adopting WooCommerce Payment by Card Plugins is a critical step toward improving transaction success rates and overall store performance.
How to Use WooCommerce Payment by Card Plugins Effectively
Implementing WooCommerce Payment by Card Plugins requires more than just installation. To ensure a secure and seamless payment process, store owners must configure these plugins strategically. Here’s a step-by-step approach to using these plugins effectively:
1. Choose the Right Plugin for Your Payment Needs
Evaluate which WooCommerce Payment by Card Plugin suits your business model. Consider:
- Supported payment gateways (Stripe, PayPal, Authorize.Net, Square, etc.)
- Transaction fees and settlement time
- Supported card types (Visa, MasterCard, AMEX, etc.)
- Global payment capabilities if selling internationally
- Features like recurring payments, saved cards, and refund management
Selecting a plugin that aligns with your store’s payment flow is crucial for smooth operations.
2. Install and Configure the Plugin
After purchasing or downloading the plugin:
- Install it via WordPress Dashboard → Plugins → Add New.
- Access the plugin settings under WooCommerce → Settings → Payments.
- Connect your merchant account or API keys to authorize card transactions.
- Configure essential settings like payment methods, transaction success/failure pages, and custom payment labels.
3. Design a User-Friendly Checkout Page
Customize the payment form’s appearance to match your theme. Ensure:
- The payment fields are clear and minimal.
- Auto-fill and card validation scripts are active.
- The checkout process is optimized for mobile devices.
Many WooCommerce Payment by Card Plugins offer drag-and-drop form builders or CSS customization options.
4. Enable Security Features and Compliance
Ensure PCI DSS compliance by:
- Activating SSL (Secure Socket Layer) for your website.
- Enabling tokenization to prevent storing sensitive card details.
- Using anti-fraud detection tools provided by the plugin.
Many plugins include built-in fraud filters and risk assessment tools to safeguard transactions.
5. Test Payment Flow Before Going Live
Before launching, process test transactions to verify:
- Payment authorization.
- Order confirmation workflows.
- Transaction notifications to the admin and customer.
Testing ensures there are no disruptions in the live environment.
6. Monitor Payment Analytics
Most WooCommerce Payment by Card Plugins offer detailed reports on:
- Transaction success and failure rates.
- Abandoned checkouts.
- Chargebacks and refunds.
Use this data to refine your checkout process, identify issues, and enhance the user experience.
7. Offer Multiple Payment Options
While focusing on card payments, provide alternative methods like digital wallets (Apple Pay, Google Pay) for broader customer convenience. Many WooCommerce card payment plugins support multi-method payment ecosystems.
By following these steps, WooCommerce store owners can leverage WooCommerce Payment by Card Plugins to create a secure, efficient, and user-friendly payment experience that enhances trust and increases conversion rates.
As a blog expert, here is a detailed review for your article “10 Best WooCommerce Payment by Card Plugins for Secure Checkout in 2025.” This list focuses on top-tier plugins that offer robust security, great features, and a seamless checkout experience for your customers.
1. YITH WooCommerce Stripe
YITH WooCommerce Stripe is a premium extension that integrates Stripe, one of the most popular and developer-friendly payment gateways, directly into your WooCommerce store. The plugin focuses on providing a secure and seamless card payment experience, allowing customers to pay directly on your site without being redirected to a third-party page. This in-house checkout process is crucial for maintaining a professional brand image and reducing cart abandonment. The YITH version of the Stripe plugin is known for its deep integration and a wide array of extra features not found in the basic version.
Features
- In-House Checkout: Customers enter their credit card information directly on your website, creating a smooth and trust-inspiring experience.
- Payment Form Customization: Customize the look and feel of the Stripe payment form to match your store’s branding.
- Saved Cards for Registered Users: Customers can securely save their credit card details for future purchases, making repeat checkouts faster.
- Subscriptions and Pre-Orders: The plugin is fully compatible with WooCommerce Subscriptions and Pre-Orders, making it an excellent choice for businesses with recurring revenue models.
- Refunds and Captures: Process full or partial refunds and captures directly from the WooCommerce order management page.
Price
- Starts at $89.99 per year for a single-site license.
- Includes a year of updates and dedicated support from YITH.
Advantages
- Enhanced User Experience: Keeps customers on your site throughout the entire checkout process, which improves conversion rates.
- Powerful Features: Goes beyond basic card processing by adding features like saved cards and seamless refund management.
- PCI Compliance Simplified: The plugin uses Stripe Elements, which handles PCI compliance securely, reducing your store’s security burden.
- Reputable Developer: As a product from YITH, it comes with a guarantee of quality code and reliable support.
2. WooPayments
WooPayments is the official payment solution developed by the team behind WooCommerce itself. It’s designed to provide a completely integrated experience, from the checkout process to payment management within your WordPress dashboard. WooPayments aims to simplify the entire payment process for store owners by eliminating the need for a separate third-party merchant account or complex API integrations. It supports a wide range of credit and debit cards, as well as digital wallets like Apple Pay and Google Pay, and even offers an instant deposit feature for eligible merchants.
Features
- Fully Integrated Dashboard: Manage all your payments, refunds, and subscriptions directly within the WooCommerce dashboard.
- Instant Deposits: For eligible stores, funds can be deposited into your bank account within minutes, a significant advantage over traditional gateways.
- Secure and PCI Compliant: WooPayments is built on a secure foundation, ensuring your store meets all necessary security standards.
- Digital Wallet Support: Accepts modern payment methods like Apple Pay and Google Pay, which provide a faster and more secure checkout.
- Subscription Management: Offers native support for WooCommerce Subscriptions without needing a separate add-on.
Price
- Free to install. Transaction fees apply, starting from 2.9% + $0.30 for U.S. cards. Additional fees may apply for international cards.
- No monthly fees or setup costs.
Advantages
- Seamless Integration: As an official product, it provides a level of integration and compatibility that other plugins can’t match.
- Simplified Management: All your payment data is within your WordPress dashboard, simplifying bookkeeping and reconciliation.
- Faster Payouts: The instant deposits feature can be a game-changer for businesses that need quick access to their funds.
- Robust Fraud Protection: It includes built-in fraud prevention tools to help you protect your business.
3. PayPal Payments
PayPal Payments is the official PayPal extension for WooCommerce, offering a comprehensive and trusted payment solution. This plugin is essential for any store, as millions of customers worldwide prefer to pay with PayPal for its security and convenience. The plugin supports not only PayPal itself but also standard credit and debit card payments, as well as local payment methods and “Pay Later” options. This gives your customers a wide range of payment choices, which can significantly reduce cart abandonment.
Features
- Comprehensive Payment Methods: Accepts PayPal, Venmo, credit cards, debit cards, and local payment options.
- Express Checkout Buttons: Place a PayPal Express Checkout button on product pages and in the cart for a faster checkout process.
- PayPal Pay Later: Offers flexible “buy now, pay later” options, which can increase average order value.
- Smart Buttons: The payment buttons automatically adapt to the customer’s location, showing the most relevant payment options.
- In-Context Checkout: Customers can pay with PayPal without leaving your site, similar to Stripe’s in-house checkout.
Price
- Free to install. Standard PayPal transaction fees apply (typically 3.49% + $0.49 for online transactions).
- No monthly fees.
Advantages
- Global Trust: PayPal is a globally recognized and trusted brand, which can significantly boost customer confidence.
- Wider Payment Options: The ability to offer multiple payment methods through a single plugin is a major benefit.
- Increased Conversions: The combination of Express Checkout and “Pay Later” options can lead to a noticeable increase in sales.
- Seller Protection: PayPal’s built-in seller protection provides an added layer of security for your transactions.
4. Stripe Payment Gateway for WooCommerce
Stripe Payment Gateway for WooCommerce is the official extension for integrating Stripe with WooCommerce. While YITH offers its version, this one is the direct offering from WooCommerce and focuses on a clean, modern, and highly secure checkout experience. It accepts all major credit and debit cards, Apple Pay, Google Pay, and other local payment methods. This plugin is a top choice for businesses that want a reliable, developer-friendly, and globally recognized payment gateway without the added features of a third-party developer.
Features
- Hosted Fields: Uses Stripe’s hosted fields to securely collect card information, which simplifies PCI compliance for your store.
- Digital Wallet Integration: Supports Apple Pay and Google Pay, offering a frictionless checkout experience.
- Seamless Refunds: Process refunds from within the WooCommerce dashboard with a single click.
- Subscriptions Support: Fully compatible with the WooCommerce Subscriptions extension.
- Fraud Prevention: Integrates with Stripe Radar for built-in fraud detection and prevention.
Price
- Free to install. Standard Stripe transaction fees apply (typically 2.9% + $0.30 per successful card charge).
- No monthly fees.
Advantages
- Top-tier Security: Stripe’s reputation for security and its simplified approach to PCI compliance is a major selling points.
- Clean and Modern UI: The checkout experience is sleek, fast, and fully responsive.
- Extensive Feature Set: Provides all the essential features you need from a payment gateway, including digital wallets and subscriptions.
- Developer-Friendly: For stores with a development team, Stripe’s extensive API allows for a high degree of customization.
5. Square
Square for WooCommerce is a fantastic solution for businesses that operate both online and in a physical store. This plugin seamlessly synchronizes your inventory, sales, and customer data between your WooCommerce site and your Square Point of Sale (POS) system. This integration eliminates the need for manual data entry and ensures your stock levels are always accurate. It processes major credit cards, Apple Pay, and Google Pay, making it a powerful tool for creating a true omnichannel experience.
Features
- Online and Offline Synchronization: Syncs products, inventory, and sales data between your WooCommerce store and your Square account.
- PCI-DSS Compliant: Square handles all the security, so you don’t have to worry about complex compliance standards.
- Accepts Various Payments: Processes all major credit cards, Apple Pay, and Google Pay.
- Automated Payments: Automatically charges saved cards for recurring payments and subscriptions.
- Simple Refunds: Process refunds for both online and in-person sales directly from the WooCommerce dashboard.
Price
- Free to install. Standard Square transaction fees apply (2.9% + $0.30 for online card payments).
- No monthly fees.
Advantages
- Omnichannel Solution: Perfect for businesses with a physical location, as it centralizes sales and inventory management.
- Inventory Management: The real-time inventory sync prevents overselling and simplifies stock management.
- Easy to Use: The setup is straightforward, and the user interface is intuitive.
- Secure and Reliable: Square is a major player in the payments industry, providing a stable and secure platform.
6. Authorize.net
Authorize.net Payment Gateway for WooCommerce is a popular and robust choice for businesses that require enterprise-level security and features. Authorize.net has been a trusted name in payment processing for a long time, and its WooCommerce plugin provides a secure way to accept payments directly on your site. This plugin is particularly well-suited for businesses that need to accept various payment methods, manage recurring billing, and leverage advanced fraud detection tools.
Features
- Direct On-Site Payments: Customers pay with credit cards without being redirected, enhancing the checkout experience.
- Accepts eChecks: In addition to credit and debit cards, the plugin allows you to accept eChecks, offering more payment flexibility.
- Subscription Support: Fully compatible with WooCommerce Subscriptions for automated recurring payments.
- Advanced Fraud Detection: Integrates with Authorize.net’s Advanced Fraud Detection Suite (AFDS) to protect your store from fraudulent transactions.
- Customer Information Manager (CIM): Securely save customer payment data for faster future checkouts.
Price
- Starts at $99 per year for a single-site license.
- Requires a separate Authorize.net merchant account, which has its own fees (monthly fee + per-transaction fees).
Advantages
- Enterprise-Level Features: Provides a set of features that are ideal for larger businesses, including advanced fraud protection and eCheck support.
- Long-Standing Reputation: Authorize.net is a very well-established and trusted payment gateway.
- Flexible Payments: The ability to accept a variety of payment types, including eChecks, is a major plus.
- High Security: The plugin and the Authorize.net service prioritize security, giving you and your customers peace of mind.
7. Braintree for WooCommerce
Braintree for WooCommerce is an official extension that integrates Braintree, a PayPal company, into your WooCommerce store. Braintree is known for its modern payment platform that supports a wide range of payment methods in a single integration. The plugin allows you to accept credit and debit cards, PayPal, and Apple Pay, all with a single setup. It’s a great option for businesses that want a flexible, global, and developer-friendly payment solution with powerful security features.
Features
- All-in-One Integration: Supports credit cards, PayPal, Google Pay, and Apple Pay through a single gateway.
- Secure Payments: Uses tokenization and is fully PCI DSS compliant, keeping sensitive data off your server.
- Seamless Checkout: Customers stay on your site during the checkout process, leading to a better user experience.
- Subscription and Pre-Order Support: Works perfectly with WooCommerce Subscriptions and Pre-Orders.
- Advanced Fraud Protection: Integrates with Braintree’s fraud tools to help you identify and prevent fraudulent activity.
Price
- Free to install. Standard Braintree transaction fees apply (2.59% + $0.49 per transaction).
- No monthly fees.
Advantages
- Global Reach: Braintree supports payments in over 45 countries and over 130 currencies.
- Flexible Payment Methods: Offers a great variety of payment options through one simple integration.
- High Security: Its tokenization and fraud tools provide top-notch security for your store.
- Developer-Friendly: Braintree’s platform is designed for developers, offering a high degree of customization and flexibility.
8. Mollie Payments for WooCommerce
Mollie Payments for WooCommerce is a top choice for European businesses. It is an all-in-one payment plugin that allows you to accept all major credit cards and popular local payment methods like iDEAL, Bancontact, and SOFORT Banking. Mollie’s focus on a simple, transparent, and developer-friendly platform has made it a favorite in the European market. By offering a wide range of local payment options, you can significantly increase conversions in your target regions.
Features
- Extensive European Payment Methods: Supports major credit cards as well as popular local methods like iDEAL, Bancontact, SOFORT, and SEPA Direct Debit.
- Simple and Fast Onboarding: The setup process is quick and easy, allowing you to start accepting payments in no time.
- Transparent Pricing: Mollie has no setup fees, no monthly fees, and charges a low per-transaction fee.
- Automatic Updates: The plugin is regularly updated to ensure it’s compatible with the latest WooCommerce versions.
- Seamless Integration: It provides a great in-house checkout experience that integrates perfectly with your store.
Price
- Free to install. Mollie charges a small per-transaction fee for each payment method.
- No monthly fees or setup costs.
Advantages
- European Market Leader: The best choice for stores targeting customers in the Netherlands, Belgium, Germany, and other European countries.
- High Conversion Rates: Offering local payment methods that customers trust can significantly boost conversion rates.
- Simple and Transparent: The pricing is straightforward, and the platform is easy to manage.
- Great Support: Mollie is known for its excellent customer support.
9. Worldpay for WooCommerce
Worldpay for WooCommerce is a powerful plugin that connects your WooCommerce store to the Worldpay payment gateway, a global leader in payment processing. This plugin is ideal for established businesses that require a comprehensive and scalable payment solution. It provides a secure way to accept credit and debit card payments, and it’s particularly known for its robust security features and ability to handle high transaction volumes, making it a reliable choice for growing businesses.
Features
- Global Payment Processing: Accepts a wide range of international credit and debit cards.
- Advanced Security: Utilizes Worldpay’s fraud management tools to protect your business.
- PCI Compliant: The plugin uses secure payment pages to ensure your store remains PCI compliant.
- Subscription Support: Compatible with WooCommerce Subscriptions for recurring payments.
- Seamless Integration: Customers can make payments on a secure hosted page, which integrates smoothly with the checkout process.
Price
- A yearly license fee is required.
- Requires a separate Worldpay merchant account, which has its own pricing structure (monthly fees and transaction fees).
Advantages
- Scalable Solution: A great choice for businesses that are experiencing rapid growth and need a robust payment gateway.
- High Security: Worldpay’s advanced security and fraud detection tools provide a high level of protection.
- Global Reach: A strong option for businesses with an international customer base.
- Reliable Platform: Worldpay is a long-established and trusted name in the payments industry.
10. Paystack for WooCommerce
Paystack for WooCommerce is an essential plugin for any business operating in Africa. Paystack is a leading payment gateway in Africa, providing a simple, secure, and developer-friendly way to accept payments online. The plugin integrates Paystack directly into your WooCommerce store, allowing you to accept payments from customers using a variety of local methods, including cards, bank transfers, and mobile money. It’s a key tool for businesses in countries like Nigeria, Ghana, South Africa, and Kenya.
Features
- Local Payment Methods: Supports payments via major credit cards, as well as local methods like bank transfers, USSD, and mobile money.
- Seamless On-Site Checkout: Customers can pay without being redirected to a separate page.
- Subscription Support: Compatible with WooCommerce Subscriptions for businesses with recurring billing models.
- Built-in Fraud Detection: Paystack’s fraud engine helps to protect your business from fraudulent transactions.
- Easy Refunds: Process refunds directly from your WooCommerce dashboard.
Price
- Free to install. Paystack charges a small per-transaction fee (e.g., 1.5% + ₦100 for local cards in Nigeria).
- No monthly fees.
Advantages
- African Market Focus: The go-to solution for businesses operating in Africa, as it supports local payment methods that customers prefer.
- High Security: Paystack is a secure and reliable payment gateway that handles all the technical security details for you.
- Easy to Use: The plugin is simple to install and configure, making it accessible for any store owner.
- Developer-Friendly: Paystack’s API is well-documented, allowing for custom integrations if needed.
Final Thoughts on Choosing the Best WooCommerce Payment by Card Plugins
Ensuring a secure, smooth, and efficient payment experience is fundamental for any WooCommerce store aiming to increase sales and build customer trust. WooCommerce Payment by Card Plugins provide the essential functionality needed to process credit and debit card payments directly on your site, with advanced security, fraud protection, and user-friendly checkout designs.
The right plugin can help minimize cart abandonment, offer global transaction capabilities, and ensure compliance with industry payment standards like PCI DSS. Whether you are a small business accepting local transactions or a large enterprise handling global sales, these plugins offer scalable solutions tailored to your needs.
By implementing a reliable WooCommerce Payment by Card Plugin, store owners not only enhance their checkout process but also position their business for sustainable growth in the competitive eCommerce landscape of 2025. Choosing wisely and configuring the plugin effectively is key to providing a seamless payment journey that converts visitors into loyal customers.
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