Reviewed by Mayer Hyman, Payments Specialist | Reviewed for accuracy July 1, 2026
Key Takeaways
- Digital wallets now account for 56% of global ecommerce transaction value, up from roughly half in 2021, making mobile-friendly checkout a baseline requirement, not a bonus feature (Worldpay Global Payments Report, 2026).
- Nearly a quarter of consumers admit to disputing a purchase they were actually satisfied with, a core driver of “friendly fraud” chargebacks (Sift Digital Trust & Safety Index).
- Global BNPL transaction volume reached an estimated $560 billion in 2025 and is projected to approach $912 billion by 2030 (Precedence Research, 2026).
- WooCommerce and Magento both support the four things customers care about most: mobile payments, fraud protection, biometric login, and BNPL, but which platform fits depends more on your technical capacity than on gateway availability.
Customers have clear, consistent preferences when it comes to paying on an ecommerce site. They want a mobile-friendly checkout, confidence that their payment data is secure, biometric login instead of another password, and financing options like buy-now-pay-later.
So how do WooCommerce and Adobe’s Magento actually stack up on each of those four fronts? We looked at what each platform supports natively and through its plugin ecosystem.
What Is a Payment Gateway, and How Does It Actually Work?
A payment gateway is the platform a customer’s payment moves through on its way from their card to your merchant account. It usually routes through a third party that handles card numbers, expiration dates, and other sensitive data securely. Authorize.net, PayPal, and Stripe are common examples.
There are two basic setups for ecommerce sites:
- A payment form built directly into the store, so the customer never leaves your site. Amazon and Spotify both work this way.
- A payment form hosted on the gateway’s own site, where the customer clicks through to pay. PayPal is the classic example.
The first option tends to convert better for merchants: fewer steps for the buyer means fewer abandoned carts.
Setting one up means creating an account with the gateway provider, linking it to your business account, and connecting it to your site, usually through a WooCommerce or Magento plugin built for that purpose. When a customer checks out, a secure connection opens to the gateway, the transaction is verified, your site gets a success message, and the funds land in your account.
Every gateway charges a transaction fee, typically 2.5-3.5% of the sale plus a flat fee around $0.30, and some layer on monthly fees or per-transaction-type charges on top. Which gateway makes sense depends on your business: a merchant planning to sell internationally shouldn’t pick one with steep cross-border fees.
Mobile Payments: Which Platform Covers the 56% of Transactions Happening on Wallets?
Digital and mobile wallets made up 56% of global ecommerce transaction value in 2025, up from roughly half in 2021 (Worldpay Global Payments Report, 2026). Add in social commerce, where shoppers buy directly from ads on Instagram, TikTok, and Facebook, and mobile-first checkout stops being optional.
WooCommerce and Mobile Payments
WooCommerce has plugins for Stripe, PayPal Pro, Square, Authorize.net, and dozens of other gateways. If you’re not especially technical, Stripe and Square are the easier options to configure. For mobile-optimized checkout specifically, WooCommerce also supports Amazon Pay, Apple Pay, AliPay, and Google Pay.
For more on WooCommerce, read “15 Things Merchants Should Know Before They Commit to WooCommerce”
Magento and Mobile Payments
Magento 2 ships with three default gateways: PayPal, Authorize.net, and Braintree, all mobile-enabled out of the box. The AIM version of Authorize.net handles one-time payments only, meaning customers re-enter card details every purchase, which tends to raise cart abandonment. The CIM (Customer Information Manager) version fixes that by letting merchants store customer payment info for repeat purchases. Stripe, Worldpay, and Amazon Payments round out Magento’s other mobile-enabled options.
Fraud Management: How Do WooCommerce and Magento Handle Friendly Fraud?
Merchants have to defend against outside hackers, but “friendly fraud”, customers disputing charges or claiming non-delivery on orders they actually received, is just as costly. Nearly a quarter of surveyed consumers admitted to disputing a purchase they were satisfied with (Sift).
For more on fraud protection, read: “How WooCommerce and Magento Are Tackling Fraud Protection”
WooCommerce and Fraud Management
WooCommerce Anti-Fraud scans and scores each completed transaction against a set of rules, then blocks or pauses orders that score high-risk, flags suspicious email addresses, blacklists known bad actors, and alerts the merchant when something looks off.
Magento and Fraud Management
Magento’s built-in fraud prevention lets merchants flag a suspicious unpaid or disputed order in the back end, which creates a record of the customer attributes involved and feeds an automatic detection rule for future orders. Merchants can also build custom blacklisting rules based on name, address, ZIP code, IP address, or email domain, and the system flags orders tied to repeated failed transactions.
For more on Magento, read: “17 Things Merchants Need to Know Before They Commit to Magento as Their eCommerce Platform”
Biometric Authentication: Do Shoppers Actually Want to Ditch Passwords?
Consumers care about payment security but are tired of managing passwords. A 2017 study by Visa found close to 90% of consumers interested in biometric authentication for payments, and more recent research from PYMNTS.com found biometrics are now the preferred authentication method for more than half of U.S. consumers surveyed.
WooCommerce and Biometric Authentication
Biometric Login for WooCommerce lets customers register a biometric identity on their phone for faster login. Loginizer adds a layer of protection by limiting failed login attempts and blocking the IP address once a threshold is hit. Apple Pay, meanwhile, authenticates via Touch ID or Face ID without ever exposing the card number to the merchant.
Magento and Biometric Authentication
The Biometric WebAuthn Module for Magento 2 (Adobe Commerce) lets customers log in with a fingerprint scan or face recognition through their smartphone.
BNPL: How Big Has Buy-Now-Pay-Later Actually Gotten?
Global BNPL transaction volume reached an estimated $560 billion in 2025, up 13.7% year over year, and is projected to approach $912 billion by 2030 (Precedence Research, 2026). That’s a broader global measure than earlier US-lending-specific figures, but the direction is the same: BNPL keeps growing, and it’s not close to plateauing.
BNPL remains largely unregulated in the US, though the Consumer Financial Protection Bureau has pushed for oversight. Routing BNPL through an established third-party gateway helps merchants stay ahead of that shifting regulatory landscape rather than managing compliance themselves.
WooCommerce and Embedded Financing
WooCommerce supports BNPL through the Affirm plugin; a reliable BNPL provider also absorbs some fraud risk since it manages the installment payments and screens for red flags like expired cards or missed payments. Wallet System for WooCommerce Pro adds partial-payment functionality, where a customer can apply a stored wallet balance toward part of a purchase. Klarna, PayPal Credit, Sezzle, Afterpay, and WP Simple Pay round out the options.
Magento and Embedded Financing
Magento 2 integrates BNPL through the default OneStepCheckout extension, plus support for Klarna, Zip, and Openpay. Optty is an independent extension giving merchants access to BNPL providers worldwide, useful for stores selling across multiple countries.
WooCommerce or Magento: Which Actually Meets These Customer Needs Best?
Both platforms cover the same four bases: mobile-enabled gateways, fraud management tooling, biometric login options, and BNPL integrations. Neither has a meaningful gap the other doesn’t also have a plugin for.
The real decision usually comes down to technical capacity, not gateway availability. Magento tends to require more coding expertise to configure and maintain; WooCommerce is generally the more approachable option for smaller, less complex stores.
Cartis Payments is a payment processing provider, not an ecommerce platform or agency, which is why gateway selection matters most for how well it pairs with your actual processor. A gateway that’s technically mobile-enabled and BNPL-ready still leaves you exposed if the fraud tooling behind it isn’t tied to the same system handling your transactions.
FAQ
What’s the difference between a payment gateway and a payment processor?
A gateway is the technology that securely transmits payment data from checkout to the processor; the processor is what actually moves the funds and settles the transaction. Merchants often need both working together, not just a gateway plugin installed on their site.
Do WooCommerce and Magento both support mobile payments?
Yes. Both support major mobile wallets like Apple Pay and Google Pay through plugins, which matters given that digital wallets now account for 56% of global ecommerce transaction value (Worldpay, 2026).
Is BNPL worth adding to an ecommerce store?
Given that global BNPL volume is projected to approach $912 billion by 2030, it’s increasingly expected by shoppers rather than a niche option. Both WooCommerce and Magento support it through third-party plugins and providers.
How do I choose between WooCommerce and Magento for payment gateway support?
Both offer comparable gateway, fraud, biometric, and BNPL options. The better fit usually comes down to your team’s technical capacity. Contact Cartis to talk through which gateway setup fits your specific store.
