Top 5 Payment Methods For AliExpress Dropshipping: Pros & Cons (2023)

Top 5 Payment Methods For AliExpress Dropshipping: Pros & Cons (1)

As one of the largest eCommerce retail platforms, AliExpress is an exceptional dropshipping-friendly supplier. So, undoubtedly, many dropshippers trust AliExpress as their supplier. As such, having a reliable payment method is crucial when dropshipping from AliExpress. Fortunately, they offer several payment options that range from bank transfers to credit cards.

Essentially, we should choose a payment method that is convenient and secure for us. But how do we know what payment method is best for our business? With this in mind, in this article, we will cover the 5 most popular AliExpress payment methods and how to choose the best one.

5 Popular AliExpress Payment Methods

Top 5 Payment Methods For AliExpress Dropshipping: Pros & Cons (2)

Essentially, AliExpress offers a variety of safe and secure payment options to ensure smooth transactions between dropshippers and suppliers. Here are the five best payment methods for AliExpress dropshipping, along with their pros and cons:

  1. AliPay
  2. Payoneer
  3. PayPal
  4. Bank Transfer

Let’s look at each of them in detail.

1. AliPay

Top 5 Payment Methods For AliExpress Dropshipping: Pros & Cons (3)

To kick off the list, we have AliPay, AliExpress’ very own payment method, which provides an extra layer of security and convenience for online shoppers. When customers make a purchase using AliPay, their money is held securely until they receive the product and confirm it is in order.


  • Special discounts and deals
  • Strong buyer protection policy
  • Fast payment processing
  • Credit services

One of the main advantages of using AliPay is the AliPay Bonus program. This program gives us discounts and other attractive savings opportunities on our purchases.

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Additionally, it has a fantastic buyer protection policy that withholds our payment until our customers receive their product and confirm everything is in order. On top of that, AliExpress processes payment instantly due to AliPay being its own platform.


  • Not FDIC Insured

Despite the benefits, AliPay is not insured by the Federal Deposit Insurance Corporation or FDIC. That means if the company goes bankrupt, we cannot get our funds back. However, we can overcome it by refraining from loading a lot of money into our AliPay account.

2. Debit & Credit Cards

Top 5 Payment Methods For AliExpress Dropshipping: Pros & Cons (4)

Next, we have Debit and Credit cards, a widely used payment method worldwide. In general, these cards are physical cards issued by our bank or other financial institutions. Plus, it is linked to our bank account.


  • Easily accessible and widely accepted
  • Cashback offers
  • Fast payment processing

Almost every individual and store owner has a debit/credit provided by their banks. As such, it is a widely accepted form of payment. Additionally, we can enjoy a cashback of up to 5% if we use credit cards.

On top of that, debit and credit cards process payments swiftly. Some examples are the Visa debit/credit card, Mastercard credit card, and American Express card.


  • Can be lost or stolen
  • High fees and interest rates on credit cards

As debit/credit cards are physical plastic cards, they can be lost or stolen. Additionally, there are also many instances of card theft, which can lead to financial losses. Besides, when we miss a credit card payment, banks charge us a high fee and interest rate.

3. Payoneer

Top 5 Payment Methods For AliExpress Dropshipping: Pros & Cons (5)

Another excellent AliExpress payment method is Payoneer, a digital payment platform. Based in the US, it is one of the most reliable and easy payment gateways for AliExpress dropshippers.


  • Full transparency and lower fees
  • Accepts different currencies
  • Link multiple bank accounts to Payoneer

With Payoneer, we get complete transparency over our income and expenses. Additionally, compared to PayPal, Payoneer has lower fees, thus, resulting in higher profits. On top of that, our Payoneer accepts different currencies and can be linked with multiple virtual USD bank accounts.


  • Payment processing delays

On the other hand, payment can take up to one day or more, especially on weekends. However, this is common for most payment gateways.

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4. PayPal

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Regarded as one of the most popular online payment methods, PayPal is an American financial technology company. As a pioneer of online payment gateways, it supports online money transfers in significant countries.


  • Extra level of security and fraud prevention
  • Swift payment processing
  • Encrypts our bank or credit card information
  • Easy refund processing

If we are purchasing from AliExpress, PayPal is a reliable payment option. It provides an extra layer of security and offers swift payment processing.

Additionally, PayPal encrypts our bank or credit card information, so we can rest assured that our personal information remains secure. Besides this, they have an easy refund process if we want to return products.


  • High fee for business transactions
  • Account freezes

On the downside, PayPal charges high fees, especially for business transactions. For each transaction, it charges 2.9% + 30 cents. Also, they can freeze our account if we do not abide by their regulations. However, if we follow their policy, there is nothing to worry about.

5. Bank Transfer

Top 5 Payment Methods For AliExpress Dropshipping: Pros & Cons (7)

Last but not least, we have bank transfers, a payment method where buyers send money from their bank account to the supplier’s bank account. Although it is a traditional method, bank transfers are regarded as a reliable AliExpress payment method.


  • Convenience
  • Safe and secure

Since almost everyone has a bank account, dropshippers can easily transfer funds through their bank. Hence, it is convenient for dropshippers, even if they do not have credit cards. Additionally, bank transfers are a secure payment method since the money goes through a banking network.


  • Payment must be made in dollars
  • High fee for international transfers
  • Long waiting time for payment processing

One of the cons of bank transfers is they only accept payments in dollars. Additionally, since we are transferring money to Chinese vendors, it is an international transaction. Thus, banks charge more commission, and it may take several days to transfer.

Besides these five payment methods, there are several others that we can use. Some other payment methods accepted by AliExpress are:

  • Webmoney
  • Doku
  • Boleto
  • Mercado Pago
  • Giropau

While these methods are available and accepted by AliExpress, they are less widely used by buyers.

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All in all, the above-listed gateways are the five most reliable AliExpress payment methods. With these payment methods, we can efficiently buy products from AliExpress to dropship to our store.

Factors To Consider When Choosing An AliExpress Payment Method

While there are multiple methods, we must choose a suitable AliExpress payment method that is convenient and reliable for our dropshipping business. Therefore, here are some factors to consider when selecting a compatible payment method for AliExpress dropshipping:

  • Payment Processing Time
  • Buyer Protection
  • Payment Errors
  • Refund Processing
  • Accepted Currencies

Payment Processing Time

Since different payment methods have varying processing times, it can affect when our items arrive. For instance, bank transfers may take up to several days to process, while PayPal payments are processed quickly. So, if we want to fulfill our customer’s orders faster, it is best to opt for a payment option with a fast processing time.

Buyer Protection

When dropshipping, we rely entirely on our supplier. As such, buyer protection shields us from unreliable suppliers that may not fulfill the terms and conditions of the contract agreement. The payment method offering buying protection will hold the payment until we (buyers) are satisfied.

Payment Errors

Next, we must consider the frequency of payment errors made by the payment gateway. In short, payment errors can include canceled payments or delayed payments. Higher errors in the payment gateways result in shipping delays and customer dissatisfaction overall. Therefore, we must choose a payment gateway that makes fewer errors.

Refund Processing

Handling returns and refunding customers is an essential dropshipping task. Some customers may return our products and ask for a refund. In this case, we have to return the product to the AliExpress supplier and ask for a refund. So, we should work with a payment method that processes refunds swiftly and efficiently.

Accepted Currencies

Payment methods such as bank transfers and credit cards do not accept multiple currencies. For the smoother operation of our dropshipping business, we need to pick a payment method that works with different currencies.

By analyzing these five factors, we can make a sound judgment on which payment method is the best option.

How To Scale Your Dropshipping Business With Automation

Top 5 Payment Methods For AliExpress Dropshipping: Pros & Cons (8)

Once we’ve chosen our preferred AliExpress payment method, we can begin dropshipping and fulfilling orders. However, fulfilling orders manually is time-consuming and tedious. So, we need to replace manual labor with dropshipping automation.

With that in mind, one of the best dropshipping software in the market is AutoDS. This dropshipping automation tool enables us to perform our business operations with ease and efficiency. Here are some automatic features of the AutoDS dropshipping software:

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  • Product Importer
  • Automatic Order Fulfillment
  • Fulfilled by AutoDS
  • Price/Stock Monitoring
  • Automatic Price Optimization
  • Easy Inventory Management
  • Automatic Tracking Updates

With the help of these tools, we can operate our dropshipping business swiftly. For instance, let’s understand how AutoDS’ automatic order fulfillment tools help us in efficient payment processing.

Usually, when we fulfill orders, we have to go to AliExpress (the supplier’s website), choose products, and manually fill in the customer’s address for shipping. Finally, we pay with our preferred payment method. Now, if we use AutoDS’ Automatic Orders, the dropshipping tool orders the products from AliExpress and fills in the customers’ details.

Finally, it uses our buyer accounts to pay for the products. To clarify, buyer accounts are our accounts on supplier’s websites linked with our preferred payment method, like PayPal. After payment, the product is on its way to our customers. As the whole process happens automatically, it takes less than a minute to fulfill orders.

On the other hand, we can also use Fulfilled by AutoDS, where our orders are fulfilled without the tool using our buyer accounts. Instead, this fantastic tool uses its own buyer account to fulfill orders. This ensures that our buyer accounts are safe from getting locked or suspended.

Overall, by leveraging dropshipping automation, we’ll be able to take full advantage of AliExpress’s secure payment methods. Consequently, this allows us to scale our business at lightning speed!

Frequently Asked Questions

What Is The Best Payment Method To Use On AliExpress?

Some of the best payment methods to use on AliExpress are Alipay, Debit/Credit cards, PayPal, Payoneer, and Bank transfer. Among them, Payoneer stands out as the most convenient and secure platform for AliExpress dropshipping.

Is It Safe To Pay On AliExpress?

Since AliExpress is a trusted eCommerce platform, it is entirely safe to pay on AliExpress. In fact, the AliExpress platform is a popular marketplace, and many eCommerce store owners use it every day.

Can I Pay By PayPal On AliExpress?

Yes, we can pay by Paypal on AliExpress. However, Payoneer is comparatively more beneficial in terms of fees and transparency.


Great job! Now we know what payment methods work well on AliExpress. To ensure that our dropshipping business runs smoothly, choosing a suitable AliExpress payment method is crucial. Considering all the factors, we can easily find one that best meets our needs.

Furthermore, we can scale our AliExpress dropshipping business even faster by utilizing dropshipping automation. All in all, AliExpress is an absolute gold mine in the world of eCommerce. So, here are some articles to help us understand AliExpress dropshipping in detail:

  • AliExpress Dropshipping Full Tutorial For Beginners
  • 9 Must Have Chrome Extensions For Dropshipping From AliExpress
  • The Best AliExpress Shipping Methods To Use When You Are Dropshipping


What payment method is best for AliExpress? ›

Conclusion: The best method to pay on AliExpress is PayPal. If you find a supplier that supports PayPal, list all of there products. If you have a credit card with a discount, it's even better than PayPal.

What are the payment methods on AliExpress? ›

  • How to find which payment methods are accepted on AliExpress. When making a purchase on AliExpress, you can check the payment methods accepted by any seller on the platform. ...
  • AliPay AliExpress. ...
  • Credit and debit cards. ...
  • Cash on delivery. ...
  • PayPal payment gateway. ...
  • Bank transfer. ...
  • Other payment methods on AliExpress.

What cards does AliExpress accept? ›

AliExpress supports Visa debit/credit cards, MasterCard credit cards, and Maestro and American Express debit cards.

Why can't I pay with my card on AliExpress? ›

Please double check if you have input correct information of card for payment. If you got error after double checking, please pay through another card/method instead. Due to security reason, card verification(appeal) is required. Please click "Claim on Alipay" button or click to submit document directly.

Which payment method is best? ›

Credit cards are the most commonly used payment method in eCommerce. Since credit cards are easy and mostly safe to use, the high popularity of using them in online purchases is no surprise. Shoppers only need to enter their card details to finish buying the products at the checkout.

What is the most effective payment method? ›

What is the safest method of payment? Not only are they the most common payment method, but debit and credit cards are the also most secure means of payment. The major reason for this is because each card payment must go through a card network such as Visa or Mastercard.

What are the 3 methods of payment? ›

Traditionally, cash, debit cards, credit cards, and checks were the main types of payments. Now, more advanced forms of digital payments are becoming more popular. This includes online payment services, digital currencies, and electronic transfers.

Can I trust AliExpress with my credit card? ›

Is AliExpress safe to use a credit/debit card? Credit and debit cards are among the most convenient payment methods used by many online retailers including AliExpress. But it safe to use a credit card on AliExpress? Yes, it is generally safe to use credit and debit cards for shopping on AliExpress.

Which card is the most accepted? ›

Visa and Mastercard are by far the most widely accepted cards, with Discover slightly behind those brands and American Express in a distant fourth place. Any retailer that accepts card payments likely takes Visa and Mastercard. In terms of the number of countries serviced, Discover lags behind the other three cards.

Does AliExpress allow PayPal? ›

Select PayPal as payment method. 2. Buyers who've met the order threshold will immediately see the discount information.

Can I pay cash on delivery on AliExpress? ›

With COD you can pay with cash at your door for your online orders. HOW IT WORKSStep 1Find products that are qualified for AliExpress Direct shipping. COD can be only used for products that qualify for AliExpress Direct shipping.

How secure is AliExpress payment? ›

The AliExpress website is a secure place to enter your card details. All info sent to and from the site is encrypted with HTTPS¹¹ – the industry-standard communications protocol. And AliExpress uses 3D Secure¹², for additional protection when paying by card.

Why there is no PayPal in AliExpress? ›

Paying with PayPal on AliExpress

This payment method is only available for customers in certain countries, such as the UK, US, Saudi Arabia, UAE, Spain, Portugal, Germany, Italy and France. This could change, but for now it isn't an option with most AliExpress sellers who ship to Australia.

Should I use PayPal or debit card on AliExpress? ›

There are a few payment methods on AliExpress that we recommend. The first is PayPal, which is very popular and allows you to pay with a credit card or your bank account. Another payment method we recommend is Alipay, which many people use in China and allows for safe and easy transactions.

Should I use debit card on AliExpress? ›

Yes, it is generally safe to use credit and debit cards for shopping on AliExpress. Many people are afraid that their bank card data can be stolen by fraudsters. You've probably seen how hackers do it in movies.

Is PayPal accepted on AliExpress? ›

Use Paypal on AliExpress will be possible following the seller of the product, otherwise you can look for a similar product from another seller who accepts this secure means of payment.

Does AliExpress still use PayPal? ›

Select PayPal as payment method. 2. Buyers who've met the order threshold will immediately see the discount information. 3.


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