To set up WooCommerce payments, go to WooCommerce, Settings, Payments, and enable the gateways your customers prefer: Stripe for cards, Apple Pay and Google Pay, PayPal Payments for PayPal and Pay Later, and a local gateway where needed (for example SSLCommerz or bKash in Bangladesh). Connect each gateway’s account, use test mode to place a full test order, then switch to live mode and confirm payouts and webhooks work.
- Offer the payment methods your buyers already trust; local habits matter.
- Stripe and PayPal both have official free WooCommerce plugins.
- Always test in sandbox mode before going live.
- Webhooks keep order statuses in sync. If they fail, orders get stuck.
- An SSL certificate is mandatory for taking payments.
Which payment gateway should your WooCommerce store use?
Imagine a clothing store in Dhaka that only accepts PayPal. Local customers want mobile banking, and international buyers want cards. Sales stay low until the store adds a local gateway for bKash and Nagad plus Stripe for international cards. Same products, more ways to pay, more completed orders.
| Gateway | Best for | Notes |
|---|---|---|
| Stripe | Cards, Apple Pay, Google Pay, many local methods | Smooth on-site checkout; available in many countries |
| PayPal Payments | PayPal users, Pay Later, cards via PayPal | High buyer trust internationally |
| WooPayments | Stores in supported countries | Payments managed inside the WooCommerce dashboard |
| Local gateways (SSLCommerz, bKash, Razorpay and others) | Regional customers | Check plugin quality and updates carefully |
| Bank transfer and cash on delivery | Markets where COD is expected | Built into WooCommerce; manage risk of unpaid COD orders |
How do you set up Stripe in WooCommerce?
- Create and verify a Stripe account with your business and bank details.
- Install the WooCommerce Stripe Payment Gateway plugin.
- Connect your account from WooCommerce, Settings, Payments, Stripe.
- Enable test mode and place an order with Stripe’s test card numbers.
- Turn on express checkout buttons for Apple Pay and Google Pay if they suit your audience.
- Check webhooks are configured so refunds and disputes update orders.
- Switch to live mode and place one small real order, then refund it.
How do you set up PayPal in WooCommerce?
- Use a PayPal Business account.
- Install WooCommerce PayPal Payments and click Connect to PayPal.
- Choose where buttons appear: checkout only, or also cart and product pages.
- Enable Pay Later messaging if available in your country and useful for your price range.
- Test with sandbox accounts, then go live.
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Why do WooCommerce payments fail, and how do you fix them?
- Orders stuck in Pending payment: webhooks are blocked by a firewall or cache. Exclude the webhook URL and check the gateway logs.
- Card declined for many customers: 3D Secure or fraud rules may be too strict, or the currency is unsupported.
- Checkout page spinning: a JavaScript conflict from another plugin or an optimisation setting that delays payment scripts.
- Duplicate charges: often caused by cached checkout pages. Never cache checkout.
How do you make checkout convert better?
Offer two or three familiar payment options, not ten. Allow guest checkout, keep form fields minimal, show security and return information near the pay button, and test on mobile. Then improve the pages that lead to checkout with better product page design and plugins that lift sales.
Frequently asked questions
What is the best payment gateway for WooCommerce?
For most stores, Stripe for cards and wallets plus PayPal Payments. Add a local gateway if your customers prefer regional payment methods.
Are WooCommerce payment plugins free?
The official Stripe and PayPal plugins are free. You pay transaction fees to the payment provider.
Can I use Stripe in Bangladesh?
Stripe availability depends on where your business is registered. Bangladeshi stores often use SSLCommerz, bKash or other local gateways, plus PayPal where available.
How do I test WooCommerce payments?
Enable test or sandbox mode in the gateway settings and use the provider’s test card numbers or sandbox accounts.
Why are my WooCommerce orders stuck in pending payment?
Usually webhooks are not reaching your site, often because of a firewall, security plugin or caching. Check gateway logs and webhook settings.
Sources
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Tanvir H is a Bangladesh-based WordPress and Elementor web designer with 7+ years of experience, 650+ projects and a 4.9 client rating. New websites, redesigns, fixes, speed, security and SEO, handled by one expert who explains everything in plain English and works with clients worldwide.
