A customer has filled their cart, reached your checkout, and is ready to buy. They tap through the payment options, looking for their preferred digital wallet or Buy Now, Pay Later (BNPL) provider.
It isn’t there.
Within seconds, they’re gone, and so is the sale.
This is a challenge more and more merchants are facing, as customer payment preferences evolve. According to Worldpay’s Global Payments Report, digital wallets accounted for 56% of global ecommerce transaction value in 2025, making it the world’s leading online payment method.
Today’s payment landscape demands choice. One customer’s preferred way to pay may be another’s reason to abandon their cart.
That’s why we’re excited to announce that Zip is now part of the IXOPAY Alternative Payment Method Package, joining PayPal, Venmo, Skrill, Klarna, and PayPal Pay Later. Through a single integration, you can give customers more ways to pay, while making it easier to keep pace as payment preferences continue to evolve.
Alternative Payment Methods Continue to Grow
Customer payment preferences are becoming more diverse, which means your checkout needs to accommodate a wider range of buying behaviors than ever before. A shopper purchasing a $20 subscription may want the speed of a digital wallet, while another buying a $1,000 laptop may prefer to spread the cost with Buy Now, Pay Later. If either option is unavailable, you risk losing a customer who was otherwise ready to buy.
According to the Baymard Institute, 10% of US online shoppers have abandoned a purchase because their preferred payment option wasn’t available. Consumers increasingly expect merchants to offer payment options that fit the way they want to buy.
Some of the trends shaping payment preferences include:
Digital wallets continue to gain traction, particularly among mobile shoppers looking for a faster, more convenient checkout experience.
BNPL is becoming more mainstream, with adoption expanding beyond younger consumers into a broader range of age groups.
Payment flexibility is influencing purchasing decisions, especially for higher-value purchases where installment options can make buying more accessible.
The takeaway is simple. Supporting only card payments means asking every customer to complete their purchase the same way. By offering a broader mix of payment methods, you make it easier for more customers to complete the transaction.
The result is higher conversion, and a checkout that works for more buying preferences.
Why BNPL Continues to Gain Momentum
BNPL is a way to make larger purchases feel more manageable. Instead of paying the full amount upfront, customers can spread the cost over several installments, often without interest.
Let’s say you’re selling premium fitness equipment. A customer has spent time comparing products, added a $1,200 treadmill to their cart, and reached checkout. Faced with paying the full amount today, they hesitate.
Offering the option to split the purchase into smaller payments can make all the difference.
According to Worldpay’s Global Payments Report 2026, BNPL apps are forecast to grow from $300 billion in global ecommerce transaction value in 2025 to $500 billion by 2030.
For merchants, the benefits extend beyond offering another payment method:
Improve conversion by reducing purchase hesitation at checkout.
Increase average order value by making higher-priced items more accessible.
Appeal to a broader customer base, including shoppers who prefer installment payments over traditional credit.
Introducing Zip to the IXOPAY Alternative Payment Method Package
A few years ago, offering a single BNPL option may have been enough. Today, the category itself has become more diverse.
Different providers have built loyal customer bases, meaning the right mix of BNPL options can vary – depending on who you sell to and where you operate.
A shopper financing a new laptop may already trust Klarna. Another booking a weekend getaway may prefer Zip because it’s the service they already use to manage larger purchases. When you support multiple trusted BNPL providers, you’re less likely to lose a sale simply because a customer’s preferred option isn’t available.
That’s why we’re excited to welcome Zip to the IXOPAY Alternative Payment Method Package. Founded in 2013, Zip has grown into a leading digital financial services company serving 6.3 million active customers across the US, Australia, and New Zealand, with more than 85,500 merchants on its network and approximately 93 million transactions processed annually.
Your customers can now access a broader mix of payment options through a single integration:
Digital Wallets
PayPal
Venmo
Skrill
Buy Now, Pay Later
Klarna
PayPal Pay Later
Zip (New)
Instead of deciding which BNPL provider is “best,” you can offer a choice that aligns with different customer preferences.
That helps remove friction at the point where it matters most: when a customer is ready to complete their purchase. It also means you can expand payment choice without adding another standalone integration to your checkout, making it easier to evolve alongside changing consumer preferences.
One Integration. Multiple Payment Methods.
You’re expanding into Australia and New Zealand, and because customer payment preferences differ from your existing markets, you’ve decided to add another BNPL provider. Or perhaps your ecommerce team wants to introduce a new digital wallet before the holiday shopping season.
In many payment environments, that would mean another integration project, additional testing, and more development resources competing with other priorities.
Enter IXOPAY’s Alternative Payment Method Package. One implementation is all it takes to access multiple payment methods.
As your payment strategy evolves, you can enable or disable supported payment methods directly through the IXOPAY portal, without rebuilding your checkout or managing separate integrations for each provider. It also gives you the flexibility to:
Expand into new markets with payment methods shoppers already know and trust.
Reduce the time your developers spend maintaining payment integrations.
According to a joint Worldpay and PYMNTS Intelligence report, 99% of cross-border shoppers want to pay using their preferred payment method, while 94% expect to pay in their local currency.
IXOPAY offers:
One integration for multiple payment methods
Six leading digital wallet and BNPL solutions, including Zip
Pre-built checkout widgets for faster implementation
Merchant-controlled payment method enablement
The ability to activate additional supported payment methods without reintegrating as the platform continues to expand
Why Offer Both Digital Wallets and BNPL?
Digital wallets and BNPL solve different checkout challenges. One helps customers complete purchases quickly, while the other helps make larger purchases more affordable.
Digital wallets
Speed up checkout, especially on mobile.
Reduce friction for everyday, lower-value purchases.
Give cross-border shoppers a familiar, trusted way to pay.
BNPL
Makes higher-value purchases more manageable.
Gives customers the flexibility to spread payments over time.
Together, they help you support both quick, everyday purchases and higher-value transactions.
Future-Proof Your Checkout
Customer payment preferences won’t stand still. Neither should your checkout.
With Zip now included in the IXOPAY Alternative Payment Method Package, you’re better equipped to meet changing customer expectations through a single integration.
As your business grows, your payment strategy can grow with it. Request a demo to discover how IXOPAY can help you build a checkout that’s ready for what’s next.
