The payment types offered by an online shop are called payment methods. They have a significant influence on whether shoppers choose to buy from shops. Shoppers generally choose their preferred payment method. The more payment methods an online shop offers, the more likely shoppers are to use them. Getting the offer right can help increase sales.

Most customers in eCommerce choose payment methods they trust. Ordering on account, in instalments or by direct debit are therefore the most popular. However, other important payment methods include credit cards, online direct transfers or online payment solutions like PayPal.

Payment systems refer to are all processes in which shoppers enter the information needed to make a payment. It is possible to differentiate between mobile and Internet-based payment systems here. When using a mobile payment system, the amounts can be paid using a mobile phone. Internet based payment systems generally support four different payment methods: the prepaid, postpaid, direct paid and trustee methods. When using the prepaid method, the online customer pays in advance and thereby guarantees payment to the retailer. When using the postpaid method, the purchaser's account is only debited after goods or services have been ordered. Payment can then, for example, be made via a credit card account or by electronic direct debit. With the direct paid method, the customer pays immediately when making an online purchase and initiates payment directly using the PIN/TAN process. When using the trustee method, on the other hand, the money transfer is performed via a trustee. This ensures that the retailer receives payment and the customer receives the delivery.