Why payment choice matters
The right payment method can make a difference
Consumers expect to see familiar payment options at checkout. When they don’t, conversion suffers. Yet many international checkouts still default to cards and a wallet or two, turning away customers who arrived ready to buy.
- Local methods often outperform major cards
- Preferences vary by country and region
- Offering the methods each market prefers is no longer optional
Why ACI Worldwide
Orchestrated, not just connected
Global Coverage
The payment methods that matter, market by market
Select a region to see the preferred payment methods your customers expect, and how dominant they are in each market. These are a snapshot of the highest-adoption methods by region. The full, always-current list lives in our global coverage directory.
In the Netherlands, 70% of online payments run through iDEAL. Across Europe, bank-based and local methods dominate checkout.
| iDEAL | Bank transfer · Netherlands | |
|---|---|---|
| Name | Type – Region | Adoption |
| iDEAL | Bank transfer · Netherlands | 70% |
| BLIK | Mobile · Poland | 64% |
| Bancontact | Card/debit · Belgium | 80% |
| Wero | Pay by Bank · pan-European | New |
| Klarna | BNPL · Nordics & EU | 150M users |
In Brazil, 44% of consumers use Pix. Cash vouchers like OXXO and Boleto remain essential across the region.
| iDEAL | Bank transfer · Netherlands | |
|---|---|---|
| Name | Type – Region | Adoption |
| Pix | Pay by Bank · Brazil | 44% |
| OXXO | Cash voucher · Mexico | #1 cash |
| Mercado Pago | Wallet · Argentina & Brazil | 50M+ users |
| PSE | Bank transfer · Colombia | Leader |
| Boleto | Voucher · Brazil | Wide |
In China, digital wallets account for 89% of eCommerce. Across APAC, super-apps and QR wallets lead.
| iDEAL | Bank transfer · Netherlands | |
|---|---|---|
| Name | Type – Region | Adoption |
| Alipay+ | Wallet · China & cross-border | 89% |
| GCash | Wallet · Philippines | #1 |
| DANA | Wallet · Indonesia | 180M+ |
| UPI | Pay by Bank · India | 57% |
| LINE Pay | Wallet · Japan & Thailand | 93M |
Digital wallets now drive 40% of US eCommerce, ahead of credit cards. BNPL and bank-backed checkout are rising fast.
| iDEAL | Bank transfer · Netherlands | |
|---|---|---|
| Name | Type – Region | Adoption |
| PayPal | Wallet · US & Canada | Dominant |
| Apple Pay | Wallet · US & Canada | 43% mobile |
| Paze | Checkout · US | 150M cards |
| Affirm | BNPL · US & Canada | Leading |
| Interac | Debit · Canada | #1 debit |
Mobile money and local wallets are leapfrogging cards across Africa, while the Gulf adopts digital wallets rapidly.
| iDEAL | Bank transfer · Netherlands | |
|---|---|---|
| Name | Type – Region | Adoption |
| M-Peasa | Mobile money · East Africa | Dominant |
| Fawry | Cash & wallet · Egypt | #1 |
| mada | Local cards · Saudi Arabia | National |
| Apple Pay | Wallet · Gulf | Rising |
| Flutterwave | Pan-Africa methods | Wide |
Global coverage directory
Explore every method, in every market
Our coverage directory is maintained in real time by our product team, with the country, processing type and brand detail for every connector on the platform. Always current, always searchable.
Payment method categories
Built around how the world actually pays
We organize payment methods the way the market does, so your customers always find the option they recognize.
Coverage is only half the story
Anyone can give you a list of payment methods. ACI orchestrates across them, routing intelligently, applying fraud intelligence that understands local payments behavior, and settling it all through one file.
Expand your capabilities
ACI Worldwide offers a wide variety of industry-leading, award-winning solutions to support all types of payment strategies
ACI Payments Orchestration Platform
Design payment flows that connect to multiple payment providers and maximize customer conversions using ACI Worldwide’s payments orchestration platform
ACI Fraud Management for Merchants
Reduce chargebacks, fraud, and false positives while increasing conversion with ACI’s machine-learning driven merchant fraud management
ACI PayAfter
Increase conversions with BNPL: credit acceptance rates of up to 85%, access to larger credit lines and a 0-40% greater spend with BNPL versus credit cards
Digital and mobile wallet solution
Adapt to the modern payments landscape with ACI Worldwide’s digital and mobile wallet solutions
QR code payments
Discover the benefits of fully integrated QR code payments for quick service, fast casual and full-service restaurants
ACI Pay by Link
ACI Pay by Link provides you with secure payment links so you can maximize all of your channels — providing a seamless customer experience
ACI Instant Pay
Eliminate interchange fees by providing customers a way to pay using their bank accounts across all channels and checkout experiences
Zero fee crypto
Accept cryptocurrency payments from around the world and get next-day settlement with ACI Zero-Fee Crypto.
*Buy Now, Pay Later service usage in the U.S. 2021-2025, by generation, Statista, November 2021
Related resources
Guide
Merchants
Winning in APAC: The local payments that maximize conversion
Build a winning global expansion strategy in APAC. Learn which local payment methods boost conversion by market.
Guide
Merchants
Winning in LATAM: The local payments that maximize conversion
How new technology and capabilities are solving the payments challenges of today’s banks
Guide
Merchants
Alternative Payment Methods
From digital wallets to digital currencies, alternative payment methods are rapidly changing the payments landscape.
