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WooCommerce accept payments without credit cards

febrero 2, 2020

 

When we think of e-commerce, payment of the final purchase we tend to associate with payment by credit card or debit through a payment gateway or POS to confirm the validity of the card and the availability of enough money.

However, sometimes users prefer, for various reasons, make payments in WooCommerce no credit cards, using other forms of payment. In these cases, the owner of the online store should have these variants to meet that percentage of users.

WooCommerce platform offers in its basic setup, different payment options no credit card that as payment on delivery or bank transfer, are still widely accepted among users in Spain.

In addition, it is also possible to use a payment gateway such as PayPal, that allows to make payments without having a credit card or debit card, but through a cash balance available or by direct debit from a bank account .

In this article, we will review and learn about the various forms of payment without credit card that has WooCommerce, how to configure them and what are the implications for the seller in managing the collection and delivery of products to buyers.

Table of Contents

  • Why accept credit card payments without in WooCommerce? 1. Reluctance to use the card online available 2. Credit Card 3. Image solvency and efficiency 4. Facilitate first purchase
  • 1. Reluctance to use the card online
  • 2. No card available
  • 3. image credit solvency and efficiency
  • 4. Facilitate first purchase
  • payment without credit cards bank Transfer payment by check payment by Paypal Against reimbursement
  • bank Transfer payment by check payment by
  • COD Paypal
  • Setting payment in WooCommerce
  • Conclusions
  • without card 1. Reluctance to use the card online
  • 2. Do not have credit card
  • 3. image solvency and effectiveness
  • 4. Facilitate first purchase
  • Tran sferencia bank
  • Payment by check Payment by Paypal refund Against

Why accept credit card payments without in WooCommerce?

Although not the most common form of payment, the owner of an online store should consider the less than one of the options without payment cards to cover the percentage of users who do not use or do not want to use them.

One could argue that only a small percentage of users would use this method of payment and does not compensate for the possible gain any additional management of receipts and shipments without a payment card entails.

However, a priori can not know what percentage of users would use this payment method, moreover, often depends largely on the type of product or profile of the target store buyer. For example, people over age 50 tend to use less credit cards.

Let’s look at several reasons why an online store with WooCommerce should have at the least one form of payment without cards.

1. Reluctance to use the card online

Although there is no suspicion that a few years ago had many potential buyers are still reluctant to introduce data their credit cards to make an online purchase, even even if the payment gateway is reputable and trust.

Fear that data card, fraudulent use of it or simply do not trust the advance payment is made before receipt, makes many users still refrain from seeping Internet shopping, unless they have a form of payment that generates them more confidence .

On the other hand, although the leaks and fraud just occur, they usually have a lot of media attention and in certain sectors of the population, these messages penetrate the innermost depths and receive payment card as something unsafe, even to them argue otherwise.

2. No credit card have

We assume that, today, everyone has a card user and in certain sectors of the population, especially among those who have used new technologies from young and in urban areas, undoubtedly so.

However, an online store, for example, wants to open a gap between those aged 50 years or in rural areas, less accustomed to using credit cards may be hindering its growth and expansion, especially if competition facilitate other forms of payment.

It is therefore important to know in detail before the buyer profile target and the degree of acceptance that they have credit card and, if that is a significant percentage, offer these other payment forms.

3. Image solvency and efficiency

Even for a potential buyer willing and accustomed to use your credit card to buy online, the fact that an online store have multiple forms of payment, plus payment card , gives it a image larger entity to shop online .

Although possibly the user does not even arise using these other forms of payment (which might even have some extra cost), which can choose from several, including the most popular payment gateways or POS adds an extra credit to store, since it must have the capacity to handle and manage each payment method effectively.

4. Facilitate first purchase

Especially when the shop is not well known or has not been in operation, potential buyers do not know what to expect regarding their products, management of shipping or quality service and customer care.

In these cases, a payment based on delivery (COD), they pay when they receive the product, can break that first initial barrier , so that the buyer gropes performance and response time of the online store without paying in advance.

Payment without credit cards

Let us now see the various payment methods available to make payments WooCommerce without accepting credit cards from an online store:

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All of them, except one, are the traditional forms of payment that we already had when distance sales and catalog were made before the advent of e-commerce, and therefore are recognized by the vast majority of users.

As I noted earlier, there is no need to include all of them in an online store, but we know the profile of our potential buyer and adapt it to offer what is most convenient.

For example, PayPal includes a payment that essentially equals the wire transfer; however, it requires the user to have a PayPal account, which is not the most common.

Overall, an online store that wants to most coverage payment to their buyers , should consider the following forms of payment, always depending on the profile of your target audience:

  • Payments without credit card: Transfer bank, cash on delivery, PayPal.
  • card payments: TPV, PayPal.

Keep in mind that both the buyer and the seller, no payment cards are an additional management , outside WooCommerce platform to perform and verify the payment of a purchase.

Logically, whatever the chosen form of payment, the buyer should always indicate the shipping address where the seller should send the products you have purchased, as well as additional information for each payment.

Bank Transfer

With this payment, the buyer must make a deposit by bank transfer from your account to a bank account whose number provides the seller for the amount of purchase.

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The full process of the payment to shipping the product would be:

  • the buyer has finished making your purchase, check the contents of the shopping cart and select the bank transfer as payment.
  • The seller displays payment instructions, which must include at least the bank account number where the transfer and the text to be included in the description of the transfer to identify the payment and order.
  • The buyer makes the transfer from your bank account, as directed by the vendor.
  • The seller reviews daily transfers received in your bank account and, when it receives a buyer, identified by its description and proceeds with sending the product.

In the case of a bank transfer, shipping can take several days from the time of the transfer, so that it reaches its destination.

Payment by check

obsolete mode, virtually unused by excessive inconvenience posed to the buyer, who must perform several steps.

addition, because of the time needed to send and validate a bank check, you can spend more than one week until the cash payment is made to purchase and send it to the product.

Click to enlarge

The entire payment process would as follows:

  • the buyer has finished making your purchase, check the contents of the shopping cart and select payment by check as payment.
  • The seller displays instructions for payment by check, which should indicate the mailing address Purchaser must return the check.
  • The buyer fills the check as instructed by the seller and sends it to the address provided.
  • When the seller receives the check, sends it to your bank, to validate and enter your amount. If everything went correctly (ie, the check has sufficient funds), the seller proceeds with shipment of the product.

Against reimbursement payment

still widespread traditional mode, in which the product is payable when you arrive at your destination. For the seller, therefore is a risk, since the buyer can change his mind at the last minute or not recepcionar the product when it arrives.

This mode usually include an additional charge, because the transport company ships the product and collect payment, you must get the money back to the seller, with the cost that this entails.

Click to enlarge

The full process of the reimbursement payment otherwise would be:

  • the buyer has finished making your purchase, check the contents of the shopping cart and choose payment on delivery as payment.
  • The seller displays instructions for payment on delivery, which will normally include the charge for this concept (which can be a percentage or a fixed amount, at the discretion of the seller).
  • Buyer accepts the payment and must wait until the product arrives at your home.
  • The seller ships the product to the address of the buyer, to the receiving carrier pays the full amount of the purchase the additional charge.
  • The carrier pays the seller for the purchase.

Although payment on complicated reimbursement management a purchase both the seller and to the buyer, is a mode still accepted among users, so it should be a payment to value in our online store.

Paypal

Although PayPal is used primarily to pay by credit card, also allows two payment options that may interest to many users:

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  • bank account. Equivalent to a bank transfer, payments on the PayPal account are loaded onto the user’s bank account it. It is therefore necessary that the user previously configured and verified the number of your bank account (a process that can take several days to final approval).
  • bank account. Equivalent to a bank transfer, payments on the PayPal account are loaded onto the user’s bank account it. It is therefore necessary that the user previously configured and verified the number of your bank account (a process that can take several days to final approval).
  • bank account. Equivalent to a bank transfer, payments on the PayPal account are loaded onto the user’s bank account it. It is therefore necessary that the user previously configured and verified the number of your bank account (a process that can take several days to final approval).
  • PayPal balance. PayPal allows users to have an amount of cash associated with your PayPal account ( «balance») so that users can use when they pay an online purchase with PayPal. In order to complete the purchase, the user must first go to have enough to pay it off.

In both cases, the entire payment process is as follows:

  • The buyer has finished making your purchase, check the contents of the shopping cart and select PayPal payment as payment.
  • the buyer is redirected to the PayPal login page, where you must log into your account and select one of the two options available to pay without a credit card: a eCheck or the account balance. Completed
  • PayPal payment is redirected back to the buyer the website of the online store, you get validation that the payment has been completed successfully or not.

  • If payment is completed successfully, the seller ships the product to the address of the buyer.

WooCommerce

The platform includes support for PayPal in its basic installation, but its configuration is not as simple as payment methods we’ve seen before. This comprehensive guide setup in WooCommerce PayPal includes instructions to install and configure.

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configuration forms free payment card WooCommerce

in the following video we will see how set payment without card that has WooCommerce and how set up the PayPal account so that buyers can pay without having to use a card credit.

For payment on delivery, use the «WooCommerce Smart COD» plugin, because the configuration options available WooCommerce are very low and insufficient to cover all possibilities (such as the charge that the cargo carrier by the reimbursement):

Conclusions

All online stores should include at least payment by credit card buyers, either through payment gateway WooCommerce, TPV or both. However, there remains an important sector of the population, especially in some sectors, preferring accept credit card payments without .

For these users, WooCommerce offers various forms of payment, but complicate the automated management of sales, can attract those users and convert them into buyers of our online store.

Thus, the terms of payment by bank transfer COD are recognized by most users, with a long tradition of use, since before electronic commerce, distance sales catalog.

PayPal provides an intermediate solution for users who do not want to use their credit card as payment, but rely on a payment gateway to make charges to a bank account (on validation and authorization) or on the balance PayPal charges your account.

Despite being payment arrangements that increasingly are used less, still quite widespread in some sectors of the population, so they should not be ruled out a priori and evaluate to the profile of the potential buyer Store online .