CRO Manifesto
guideline #
122

Offer Multiple Payment Options for High-Priced Products

context

A high price point can make users hesitate, especially if they don't see a payment method that suits them. If they can't use their preferred payment option—or don't realize flexible options are available—they may abandon the purchase altogether.

Why?

Provide multiple payment methods, including credit cards, PayPal, Buy Now Pay Later (BNPL) options like Klarna or Afterpay, and bank transfers. Clearly display these options near the price and checkout button to reassure customers they have flexible ways to pay, making purchasing easier and more accessible.

Content
  • Your store sells products over $200 and you're seeing cart abandonment rates above 70%
  • Analytics show high product page engagement but low add-to-cart rates, especially on mobile where users prefer one-click payment options
  • You currently only offer traditional credit card payments and lack BNPL integrations
  • Your store generates $50K+ monthly revenue and can justify the setup time for multiple payment gateways
  • You're on Shopify Plus or have access to checkout customization features

Focus on displaying payment options prominently on your product pages, not just at checkout.

  1. Install BNPL apps: Add Klarna, Afterpay, or Sezzle from the Shopify App Store. Configure minimum order amounts (typically $50+) in each app's settings.
  2. Add payment badges to product pages: Go to Online Store > Themes > Customize. Find your product price section and add a new custom liquid block below the price display.
  3. Insert payment option code: Add this snippet in your product-price.liquid file: <div class="payment-options">{{ form | payment_terms }}</div>
  4. Style the payment display: Set payment badges to 120px width, 8px margin between options, and position them 12px below your price element
  5. Enable express checkout buttons: In Settings > Payments, activate Shop Pay, Apple Pay, and Google Pay. These should appear as 48px height buttons above your main CTA
  6. Test mobile responsiveness: Ensure payment options stack vertically on screens under 768px width

Implementation timeline: 2-3 hours for setup, 1 week for approval processes with BNPL providers.

  • Product page conversion rate: Expect 15-25% improvement within 3-4 weeks of implementation
  • Cart abandonment rate: Look for 10-20% reduction, particularly on high-value items
  • Average order value: BNPL options often drive 20-30% higher AOV as customers feel comfortable spending more
  • Mobile conversion rates: Should see 25-40% lift with express payment options enabled
  • AVOID: Only showing payment options at checkout - 60% of users want to see payment flexibility before adding to cart. BEST PRACTICE: Display payment badges directly under product pricing.
  • AVOID: Using generic "flexible payments available" text without showing actual logos. BEST PRACTICE: Display recognizable BNPL brand logos with specific terms like "4 payments of $25."
  • AVOID: Cluttering the interface with too many payment options above the fold. BEST PRACTICE: Show 2-3 primary options prominently, with "more payment options" link for others.
  • AVOID: Not testing payment flows on mobile devices. BEST PRACTICE: Verify all payment options work seamlessly across iOS Safari and Android Chrome.
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