Payment methods matter more than you might think.As highlighted in the 2020 PayPal Borderless Commerce Report, the way people shop online is different in every country, especially when it comes to payment methods. Keeping up with local nuances in shopper payment behavior can be a lot to keep track of. This begs the question of how your business can cater to everyone’s preferences? And whether it is worth the effort?
Research into online consumer behavior suggests that it is. In a recent study, one in five shoppers said they would abandon a cross-border purchase if their preferred payment methods were not available. 1 And 34% of respondents felt more incentivized to buy from a store outside their home country if prices were shown in their local currency.1 Moreover, digital wallets and other alternative payment methods are growing in popularity, especially among younger shoppers.
Given the somewhat impersonal nature of online retail, it’s not surprising that familiarity inspires confidence. Shoppers are significantly more likely to buy abroad if they can do so in the currency they’re accustomed to, using payment options they already know and trust.
Get paid with one click. Or is it a tap?It’s not just payment options that make a difference. The primary devices used for shopping also vary from region to region and these need to be considered. India and China, for example, prefer apps and mobile friendly websites with 84% of their cross-border purchases coming from smartphones.1 French shoppers, on the other hand, do most of their buying via desktop.1
Cross-border customer serviceCustomer service is probably not the first thing that comes to mind when considering cross-border payments, but it is extremely important when dealing with customers from around the globe. In fact, one in three shoppers say that having customer support in their language is a driver on their decision to buy.1
TIP: Choose a cross-border payment partner that can provide support to all your customers, with customer support in more than a dozen languages.
Cross-border commerce doesn’t have to be complexThere’s clearly a lot to think about with cross-border payments but thankfully you don’t have to. With the right partner, you can do business in more than 100 currencies and 200 countries using a single, simple payment solution. PayPal is one of the world’s largest online payment platform with 300 million active users and multiple local payment methods1. Your customers can see fees and taxes in their local currency, including shipping. And enhanced fraud protection makes it easier to keep your customers and your business secure.
When Adva Bruner, founder of Ripple Yogawear from Israel, debuted her eco-friendly line online, she found that her biggest market – comprising 50% of sales – was the U.S., followed by Canada, Australia, the UK, and Iceland. With PayPal she found she could focus on running her business while PayPal took care of the complexities of international sales and made it easy for her customers to shop on her site.
Finally, getting paid is simple—no matter where your customers are or how they choose to pay. Don’t let customers’ preferences cost you sales. Create your cross-border strategy with PayPal as your partner and help your business grow.
To learn more about how PayPal can help your business grow internationally – and make customers feel secure – go to paypal.com/business.
Frequently asked questions.
Encrypted Website Payments
To make online payments more secure, you can make Encrypted Website Payment buttons that rely on standard public key encryption for protection.
PayPal offers a secure commerce Identity API that lets your customers sign in to your web site using their PayPal credentials.
Instant Payment Notification
Instant Payment Notification is a message service that automatically notifies merchants of events related to PayPal transactions.
Merchants, developers, and business solution providers use Invoicing APIs to automate the creation, delivery, tracking, and reconciliation of invoices with an integrated payments solution.
Accept PayPal, credit cards and other payments methods through mobile apps.
Name-Value Pair (NVP) API
Information and support on name value pairs and NVP SDKs.
PayPal Checkout gives your buyers a simplified and secure checkout experience that keeps them local to your website or mobile app throughout the payment process.
Payflow Pro is a high performance TCP/IP-based client-server architecture solution. It includes a secure payment gateway that gives merchants total control over the payment process.
PayPal Sandbox Support
Information and support for users testing in the PayPal Sandbox environment.
The shopping cart system allows buyers to select multiple items on your website and pay for them with a single payment.
Permissions Service API
PayPal's permissions service enables you to request and obtain authorization to make API calls and take action on behalf of your customers.
The PayPal SOAP API is based on open standards known collectively as web services, which include the Simple Object Access Protocol (SOAP), Web Services Definition Language (WSDL), and the XML Schema Definition language (XSD).
Testing Your Apps in Sandbox
A guide for developers testing their apps in the PayPal Sandbox environment.
Information about PayPal's Virtual Terminal - a web-based application that processes credit and debit cards, replacing swipe machines.
Website Payments Pro
PayPal's Website Payments Pro is an API-based solution that enables merchants and developers to accept credit cards, debit cards, and PayPal payments directly on their website.
You can accept credit cards online easily and offers a streamlined checkout experience to customers using mobile devices.
Learn more about fees.
How can customers pay my invoices?
PayPal customers can easily pay your invoices. They don't need a PayPal account to pay. They can also pay you with a credit or debit card.
Can customers make partial payments?
To accept partial payment from your customer, check the Allow Partial Payment box under payment options when you're creating an invoice. This lets your customers make multiple payments toward the total amount of a single invoice. However, the minimum amount that you set will only affect the first partial payment that your customers make. For example, if the total amount of an invoice is 50.00USD and the minimum amount is 15.00USD, then the buyer will only be required to pay at least 15.00USD for the first payment and the buyer can pay any amount for the following payments.
If you require a minimum amount due, your customer will need to pay at lease that amount in their partial payment. Your invoice will have a Partially Paid status until it's fully paid. A record of payments will appear on the invoice details.
Partial payments aren't a credit product or a way to allow for an excessive number of payments. We contact businesses if we suspect they're not using this feature correctly.
What if customers can't find my invoices?
If your customer can't find their email notification for an invoice, their email filter might have sent it to the junk folder. If your customer has a PayPal account, they can pay the invoice by logging into their account where they'll see the invoice in their Activity. If needed, you can share a link to the unpaid invoice with your customer.
Can I send reminder emails for unpaid invoices?
To send a reminder about an unpaid invoice, find it in your list of invoices. On a desktop computer, click the three-dot icon and click Remind. On a mobile phone, you can send reminders from an unpaid invoice's details page. You can personalize the reminder before sending it. Your customer will receive an email reminding them to pay the invoice. To save time, set up automatic reminders for all new invoices in your Invoicing settings. You can also schedule automatic reminders warning customers when an invoice is overdue.
Set up automatic reminders.
You don't need to have balance in your PayPal account to make a payment. As long as you've linked a credit or debit card, you can start paying with PayPal.
If you want to add money to your PayPal account, you can top up with a confirmed bank account opened in Hong Kong. Here's how to top up with your bank account:
- Go to Money.  >
- Click Add Money near the top right corner of the page.  >
- Follow the instructions on page.
The money will usually arrive in your account within 3-6 business days. We’ll send you an email when the money’s in your PayPal account.
Learn more about topping your PayPal account.
- Transfers from ATM machines and online transfers from DBS bank accounts are currently not supported for Top Up.  >
- We don’t charge a fee to transfer money from your bank account. Your bank may charge a fee to transfer the money.  >
- You can top up in Hong Kong Dollars only.  >
- If you want to make a payment in a currency other than HKD, our currency conversion rate includes a 3% fee. You might want to add enough money to cover the fee.
When you aren't sure if you can trust a communication claiming to be from PayPal, check to see if the message does any of the following:
Uses impersonal, generic greetings, such as “Dear user” or “Dear [your email address].”
Emails from PayPal will always address you by your first and last names or by your business name. We never say things like "Dear user" or "Hello PayPal member.”
Asks you to click on links that take you to a fake website.
Contains unknown attachments.
Only open an attachment if you're sure its legitimate and secure. Be particularly cautious of invoices from companies and contractors you're not familiar with. Some attachments contain viruses that install themselves when opened.
Conveys a false sense of urgency.
Phishing emails are often alarmist, warning you to update your account immediately. They're hoping you'll fall for their sense of urgency and ignore warning signs that the email is fake. If there’s an urgent need for you to complete something on your account, you can find this information by logging into PayPal.
The following are common scams where fraudsters use spoofed emails. When in doubt, always log in to PayPal and view the Resolution Center for any notifications.
Many fraudsters send spoofed emails warning you that your account is about to be suspended. The email will ask you to enter your password in a (spoofed) webpage. We’ll only ask you to enter your password on our login page.
"You've received a payment."
Some fraudsters try to trick you in to thinking you've received a payment for an order. They want what you're selling for free. Before you ship anything, log in to PayPal and check that actually you received a payment. We'll never ask you to share a tracking number by email. If you received a payment, you’ll always see it in your PayPal activity.
"You’ve been paid too much."
Fraudsters may try to convince you that they overpaid for an item. For example, they’ll send an email that says they’ve paid you 500.00 USD for a camera you listed at 300.00 USD. The sender asks you to ship the camera in addition to the extra 200.00 USD you were “paid” by mistake. The fraudster wants your camera AND your money but hasn’t actually paid you at all.
Before sending anything, log in to PayPal and check that you received a payment.
Reporting Suspicious Communication
Phishing emails often lead you to fake websites to steal your private, sensitive data. These websites could look unusual or they could appear genuine but have a suspicious URL.
- Don’t click on any links inside of the email or in the website, and don’t download any attachments.  >
- Don’t enter any information.  >
- Don’t change the subject line and don’t forward the message as an attachment.  >
- Forward the email and/or website to email@example.com.  >
- Delete the email from your inbox.
If you receive a text message with a link inviting you to visit a website:
- Don’t click on any links inside of the SMS text message.  >
- Screenshot the message.  >
- Make sure that the message shows the full telephone number.  >
- Email the screenshot to firstname.lastname@example.org.
If you receive a suspicious telephone call:
- Take a screenshot of your phone log showing the telephone number  >
- Email the screenshot to email@example.com.  >
- Include details of the telephone call, including what the caller stated or asked from you.
When you send an email to firstname.lastname@example.org, you’ll receive an automatic email letting you know we received it.
Safeguarding Your AccountIf you shared financial or personal information, or entered personal information on a fake website:
- Change your PayPal password and security questions immediately.  >
- Contact your bank and credit or debit card issuer and let them know what happened.  >
- Review your recent PayPal activity to make sure you authorized all the payments.  >
- Report any unauthorized payments in the Resolution Center. Remember, you’re 100% protected against unauthorized payments sent from your account.