Wix Payments: All Fees Explained and How to Set Up in 2025

If you’re building a website on Wix, accepting payments is likely one of your top priorities. Fortunately, this platform comes with Wix Payments – a built-in payment system designed to help you receive money directly through your site.

In this Wix Payments review, LitExtension – #1 The World Shopping Cart Migration Expert will take an in-depth look at this payment provider to see if it’s really worth it for your website or online store.

Read on to get:

• The pros and cons of this solution
• All fees, refunds, and chargebacks breakdown
• How to set up Wix Payments
• Alternatives to Wix Payments

Wix Payments Pros and Cons

Wix Payments is the all-in-one payment solution created by Wix for its website owners. It allows businesses to accept payments directly through their Wix sites without needing to connect third-party providers like PayPal or Stripe. With Wix Payments, users can process credit and debit cards, manage transactions, and monitor payouts, all from their Wix dashboard.

This native solution offers convenience and control, especially for users who want to keep everything under one platform. However, like any payment gateway, it has advantages and drawbacks depending on your location, business model, and specific needs.

Below is a clear breakdown of the main pros and cons of using Wix Payments:

Wix Payments: Fees, Refunds, and Chargebacks

Before using Wix Payments, it's important to understand how much it costs and how it handles transactions after the sale. Knowing the fees, refund rules, and chargeback process can help you avoid surprises and manage your business more smoothly.

But please note that these fees might vary depending on your country and region, so make sure to check your Billing History or contact Wix support agents for a precise estimation. In this article, we'll take a look at Wix payments fees in the U.S as an example.

Besides, for refunded payments fees, standard Wix Payments processing fees apply. This means that if you issue a $100 refund to your customer, the original processing fee of $2.90 (2.9%) plus $0.30 for that customer's purchase will not be reimbursed to your Wix Payments account.

How to Set up Wix Payments?

You can easily set up Wix Payments if you already have a Business or eCommerce plan. If not, you have to upgrade to one of these options. Otherwise, you won’t have access to Wix Payments.

Wix Payments can also be used with most of Wix’s Services, such as Wix Stores, Wix Invoices, and Wix Bookings.

Once you have the Business or Business Elite plan, here are the two simple steps to set up Wix Payments:

#Step 1: Complete Your Account Setup Form

From ‘Settings’ in the sidebar, click on ‘Accept Payments’ in the ‘eCommerce and Finance’ section.

Select Wix Payments as one of your payment methods then click on ‘Connect Me’.

A list of prohibited products or services that are banned to be sold will appear. It is important to make sure you and your business aren't selling products or providing services that fall on this list. Products and Services that appear here, like CBS oil aren’t supported by Wix Payments and your account won't go through. Once you’ve reviewed the list, then proceed to the bottom of your form and press on “I confirm that I’m NOT selling any of the above”.

Then click on ‘Complete Account Setup’. You will be led to the Payment Methods page then click on ‘Complete Setup’.

Fill out the ‘Account Details’ form with your personal, business, and bank account details. While setting up, Wix will ask you to state your business type. Make sure you fill out your information carefully and choose the right option because you cannot change this later.

• Choose the type of business you have in the ‘Business Type’ part.
• Complete your bank account details next for your payouts

(Note: the bank account must be under the same person as entered above)

• Afterward, upload a statement or document (jpg, png, or pdf) from this bank account so Wix Payments can verify your bank details

(Note: it should clearly show the bank logo, account number, and account holder name)

• Don’t forget to accept the Terms and Conditions of Wix Payments before you submit your form.

#Step 2: Wait for Account Verification and Approval

Approval can take several business days. Wix will notify you via email and in your Wix dashboard when your account is active, once your account is complete you’ll receive regular payouts right to your bank account.

Keep in mind that Wix Payments may ask you to provide additional documents in the future, this may be to verify your identity when you pass a certain sales threshold or other situations.

Warning:

• If you do not complete the account setup within 30 days, your Wix Payments account will be suspended and you will not be able to accept any more payments through your site.
• If you do not complete the account setup within 60 days, your customers will receive previous transactions.

Other Alternatives to Wix Payments

While Wix Payments is a convenient option for many users, it may not be the best fit for everyone. Some businesses may not be located in supported countries, may prefer additional features, or may already have accounts with other providers. Fortunately, Wix allows you to connect several third-party payment gateways to your website.

Below are some of the most popular alternatives to Wix Payments, each with its own strengths and unique features. Whether you're looking for wider international support, faster payouts, or specialized tools, these options can offer flexible solutions to meet your business needs.

#1 PayPal

PayPal is one of the most widely recognized and trusted payment platforms in the world. It’s a popular choice for both customers and merchants due to its brand reputation, ease of use, and global reach. Wix fully supports PayPal integration, allowing you to offer it as a payment method alongside or instead of Wix Payments.

Highlight features:

• Global acceptance in over 200 markets and 100+ currencies
• Express checkout option to speed up purchases
• Built-in fraud detection and seller protection tools
• Mobile-friendly and optimized for all devices
• Supports both one-time and recurring payments

In short, PayPal is a great option if you're looking to provide a fast, secure, and familiar payment experience, especially for international customers or buyers who already use PayPal frequently.

#2 Stripe

Stripe is a powerful and developer-friendly payment platform known for its flexibility and global reach. Although Wix Payments is powered by Stripe in some regions, you can also connect Stripe directly to your Wix site as a third-party payment provider.

Stripe is ideal for businesses that need advanced customization, multi-currency support, or recurring billing options. It supports a wide range of payment methods and provides detailed analytics for managing your revenue.

Highlight features:

• Supports over 135 currencies and multiple payment methods (cards, wallets, bank debits)
• Recurring billing and subscription tools
• Customizable checkout experiences with developer support
• Real-time reporting and detailed analytics dashboard
• Advanced fraud detection with Stripe Radar

Stripe is a great alternative for users who need more control and customization, or who operate in regions where Wix Payments isn’t available. It's especially suitable for SaaS businesses, subscription services, and international eCommerce.

#3 Square

Square is a popular payment solution, especially well-known for its point-of-sale (POS) systems used in physical stores. It also integrates with Wix, allowing merchants to accept online payments through their website while managing both in-person and online sales from a single account.

Square is a strong choice for small businesses that operate both online and offline, thanks to its unified sales tracking and hardware support.

Highlight features:

• Seamless integration of online and in-person payments
• Free POS app and hardware options for brick-and-mortar businesses
• Fast payouts (typically within 1–2 business days)
• Built-in tools for inventory, customer management, and reporting
• No monthly fees; pay only per transaction

Square is ideal for small-to-medium businesses looking for an all-in-one payment solution that covers both storefront and online transactions. If you're running a local shop and want to take your business online with Wix, Square is a smart and simple choice.

Wix Payments – FAQs

Conclusion

In conclusion, Wix Payments is a very helpful feature for your eCommerce Wix website. The main benefit of Wix Payments is that it keeps customers on your site for checkout rather than directing them to a third-party page.

However, if your country or currency is unavailable, PayPal remains a good universal alternative. You’ll have a harder time organizing your transactions, but the market is a lot wider by using PayPal.

Wix Payments is also a fairly new update and will most likely expand in more and more countries and currencies. Therefore, a lot of customers still feel safer and happier using a payment processor they trust, such as PayPal, to cover all bases. The best possibility is to have multiple checkout options giving your customers greater control and flexibility over how they want to purchase your products or services.

Hope this article contains the answers to your questions and helps you make a decision.

If you are planning on migrating to Wix, LitExtension – #1 The World Shopping Cart Migration Expert is willing to help! As the world-leading expert with 200,000+ successful migrations for 100,000+ worldwide customers, LitExtension can transfer all your data, including products, and customer orders, automatically, quickly, and accurately, especially with no technical skills required.

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