AliExpress Payment Methods: The Best Options for Dropshipping

Choosing the right AliExpress payment method is crucial for smooth transactions, especially for dropshipping. With multiple options available—Alipay, credit cards, PayPal, and bank transfers—which one is the best?

Not all payment methods offer the same level of security, speed, and fees. The wrong choice could lead to delayed orders, payment failures, or unexpected charges, affecting your dropshipping business.

This guide breaks down all available AliExpress payment options, their pros and cons, and which one suits your needs best. Whether you're a beginner or a high-volume dropshipper, find out how to optimize your payments and avoid costly mistakes.

Understanding Dropshipping and Its Connection to AliExpress Payment Methods

Dropshipping is a business model where you sell products without holding inventory. When a customer places an order, the seller purchases the item from a supplier, who then ships it directly to the customer. This eliminates the need for stock management and upfront inventory costs.

AliExpress is one of the most popular platforms for dropshippers, offering a vast selection of suppliers, competitive prices, and integration with automation tools. However, choosing the right payment method is crucial to ensure smooth order processing and avoid unnecessary delays.

What is dropshipping?

Unlike conventional stores, this model allows you to resell products without stocking them. Once the order has been validated on your store, the AliExpress supplier takes care of delivery directly to the customer.

AliExpress is popular for several reasons:

• A wide choice of suppliers with competitive prices.
• Order automation via tools like DSers.
• A wide range of products, making it easy to test niche markets.

Why is choosing the right payment method so important?

Fast, secure payment is a key element in dropshipping. A refused or slow transaction can delay shipment, creating frustration and disputes with customers.

A good payment method guarantees :

• Fraud protection to secure your finances.
• Fast order processing for immediate dispatch.
• Optimized costs to preserve your margins.
• Uncompromising reliability, preventing transaction errors.

A well-managed payment system means smooth, profitable dropshipping.

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What payment methods are available on AliExpress?

AliExpress offers a range of payment solutions to suit different needs. Whether you're an occasional buyer or a dropshipper who places high-volume orders, choosing the right payment method is essential. Security, speed, fees... each option has its advantages and limitations.

In this section, we'll take a closer look at the payment methods available on AliExpress, highlighting those most suitable for dropshipping.

Alipay: The recommended payment method

Alipay is the official payment system of AliExpress, developed by Alibaba. It's also one of the most secure and convenient for shoppers.

Why use Alipay?

• Fast, seamless payment: once set up, you no longer need to enter your bank details each time you place an order.
• Enhanced protection: funds are held by AliExpress until confirmation of receipt of the product.
• No hidden fees: unlike PayPal, Alipay doesn't charge extra.

Disadvantages of Alipay:

• Not available in all countries.
• Obligation to create an account and associate it with a payment method.

Alipay remains the preferred option for those who regularly order from AliExpress, particularly in dropshipping.

Bank cards: A simple and effective solution

AliExpress accepts most international credit cards: Visa, MasterCard, Maestro, American Express... This is one of the most common ways to pay online.

Advantages of bank cards:

• Accepted almost everywhere in the world.
• Fast, secure payment with 3D Secure verification.
• Bank protection in the event of fraud or dispute.

Disadvantages:

• Conversion fees may apply if the card is not in dollars or euros.
• Some banks block international transactions, requiring manual validation.

If you place a lot of orders, consider using a dedicated bank card or virtual card to better manage your finances.

PayPal: Secure but not always available

PayPal is one of the best-known and most secure payment methods, but it is not always offered by AliExpress sellers.

Why use PayPal?

• Buyer protection: possibility of filing a dispute in the event of a problem with the order.
• Quick payment without having to enter your bank details.
• Reliable and recognized worldwide.

The disadvantages of PayPal:

• Higher fees than other payment methods.
• Not available in all AliExpress stores.

If security is your top priority, PayPal is a good option, but be sure to check that it is accepted before placing your order.

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Bank transfer: Preferred for bulk purchases

Bank transfer is an option available on AliExpress, especially for high-value orders.

Advantages:

• Ideal for large transactions (bulk purchases).
• Secure as it is processed directly by the bank.

Disadvantages:

• Long processing times (up to several days).
• High bank charges, especially for international transfers.
• Not suitable for frequent dropshipping orders.

If you're just starting out, avoid bank transfers. It's better suited to commercial relationships with wholesale suppliers.

Other payment methods on AliExpress

Depending on the country, AliExpress also offers other options:

• WebMoney and Yandex Money: popular in Russia and CIS countries.
• Western Union: sometimes available, but not recommended due to lack of buyer protection.
• Local payment methods :
  
  • Boleto (Brazil)
  • Klarna (Europe, especially Germany and Scandinavia)
  • iDeal (Netherlands)

These methods are often limited to certain regions and may not be suitable for international dropshippers.

What is the best payment method for dropshipping on AliExpress?

AliExpress offers several payment solutions, but not all are suited to the needs of dropshippers. The right choice depends on three key factors: processing speed, associated fees and transaction protection.

In dropshipping, a refused or blocked payment can delay the dispatch of an order, lead to customer disputes and damage the seller's reputation. So it's essential to opt for a reliable, efficient solution.

Criteria for selecting the best payment method on AliExpress

A good payment method must allow orders to be validated quickly, without generating excessive charges. Here's what you need to bear in mind:

• Fast processing: The faster a payment is validated, the faster shipping starts.
• Security and protection: A good system must prevent fraud and provide recourse in the event of a problem.
• Reduced fees: Some payment methods charge high commissions, reducing margins.
• International availability: Some solutions are not available in all countries.

Which solution is right for you?

Choosing the best payment method depends on your business and your priorities.

• For novice dropshippers who want a simple, integrated solution, Alipay is often the best choice. It enables fast payment, with no hidden fees, and includes buyer protection in the event of a dispute.
• If you're looking for a versatile option that's accepted everywhere, the bankcard remains a safe bet. It's ideal for recurring payments, especially when you place a large number of orders every day.
• PayPal, on the other hand, offers an enhanced level of security, with a dispute option in the event of a problem. However, not all AliExpress sellers accept it, and fees are higher than those for Alipay or credit cards.
• For large order volumes, some dropshippers prefer bank transfer, which is suitable for large-value transactions. But it's often slow and costly, making it impractical for everyday purchases.

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In summary, Alipay and credit card remain the best options for most dropshippers, while PayPal and bank transfer meet more specific needs.

Managing and automating payments on AliExpress

Managing payments in dropshipping involves much more than choosing the right payment method. You also need to optimize their management to avoid errors, blockages and unnecessary delays. Incorrect configuration can slow order dispatch and create complications with suppliers.

On AliExpress, it's possible to set up and automate certain payments, which saves time and avoids oversights. Let's take a look at how to set up smooth, efficient management.

How do I add a payment method to AliExpress?

Before ordering, it is essential toregister your payment method in your AliExpress account settings. Here's how:

1. Log in to your AliExpress account.
2. Go to "My account" > "Payment methods".
3. Select "Add a payment method".
4. Enter your credit card or e-wallet details.
5. Validate and secure with 3D Secure authentication (if necessary).

Once registered, this method of payment will be offered automatically when the order is placed.

Automate payment for dropshipping

When you place several orders a day, manually repeating each payment can quickly become a hassle. Fortunately, AliExpress offers an integrated solution to automate the process.

• Alipay Auto-Pay: automatically pays for every order without having to manually validate each transaction.
• Integration with tools such as DSers or AutoDS: these platforms synchronize orders and pay for them with a single click.
• Dedicated bank cards: some dropshippers use a prepaid or virtual card to limit risk and better manage transactions.

Automating paymentsavoids errors, speeds up order processing and improves financial management.

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How do I change or delete a payment method?

Changing payment method or deleting a registered card is sometimes necessary, especially when changing banks or when a card has expired.

1. Go to "My account" > "Payment methods".
2. Select the card or e-wallet concerned.
3. Click on "Delete" or "Modify" and follow the instructions.
4. Add a new payment method if necessary.

AliExpress does not always allow you to modify a payment after an order has been validated, so we recommend that you check your details before purchasing.

Optimized payment management increases efficiency and avoids costly errors.

Common payment problems and solutions

Even with a well-configured payment method, errors can still occur during an AliExpress transaction. Payment refused, insufficient funds, transaction blocked... These problems are common and can slow down dropshipping orders.

Fortunately, most of these errors have simple solutions. Here are the most common problems and how to solve them.

Common mistakes on AliExpress

1. Insufficient funds

If the bank account or e-wallet balance is too low, the transaction cannot be completed.

• Check available balance before making a purchase.
• Ensure that the daily payment limit authorized by the bank has not been reached.
• Use another payment method or top up account if necessary.

2. Payment refused by bank

Some banks block transactions to AliExpress, mainly for security reasons.

• Contact your bank to authorize payments to AliExpress.
• Add AliExpress to the list of trusted merchants on your bank account.
• Try another payment method if the problem persists.

3. Safety check problem

AliExpress sometimes applies enhanced payment verification, which can block a transaction if certain information is incorrect.

• Check that card details (number, expiry date, CVV code) are correct.
• Make sure that3D Secure authentication is enabled (a validation SMS may be required).
• If payment is still refused, try another payment method.

4. Detection of suspicious activity

AliExpress may suspend payment if it detects unusual activity, such as too many orders in a short space of time.

• Wait a few hours and try again.
• Log in to your AliExpress account from a regular device to avoid being blocked by the security system.
• Contact AliExpress support if the problem persists.

How do I manage a payment dispute?

If a payment has been debited but the order does not go through, or if the wrong amount has been debited, you can lodge a complaint.

1. Go to "My orders" > "Order details".
2. Check if payment is pending, cancelled or confirmed.
3. If the money has been debited but the order does not appear, contact AliExpress Customer Service.
4. If the problem persists, open a dispute via Alipay or PayPal, depending on the payment method used.

AliExpress offers payment protection, but it is always advisable to keep a record of transactions to avoid any misunderstandings.

Payment security on AliExpress

AliExpress is a global platform that processes millions of transactions every day. To guarantee a secure payment experience on AliExpress, the site implements protocols to protect against fraud and high-risk transactions. However, it's always important toadopt good practices to avoid payment-related problems.

How does AliExpress protect its transactions?

AliExpress uses several mechanisms to secure payments and limit the risk of fraud.

• Escrow system: AliExpress does not immediately transfer money to the seller. Funds are held until the buyer confirms receipt of the product. In the event of a problem, a dispute may be opened to obtain a refund.
• Encryption of banking data: All transactions pass through advanced security systems that protect sensitive information.
• Enhanced authentication: For certain transactions, AliExpress requires additional verification (SMS, email) to prevent fraudulent payments.
• Buyer protection: In the event of non-receipt or non-conforming product, AliExpress allows you to open a dispute to obtain a refund.

Tips for secure payments

Even if AliExpress has security measures in place, a few personal precautions can help you avoid risks.

• Avoid paying via a public Wi-Fi network: Open connections are more vulnerable to hackers.
• Activate 3D Secure authentication: This system adds an additional check during payment, often via SMS or notification from the bank.
• Don't save your bank card on a public or shared device: It's best to enter your payment details for each transaction if the computer or phone you're using isn't your own.
• Check sellers before buying: Consult reviews and ratings from other buyers to make sure the seller is reliable.
• Keep track of transactions: Record order numbers and payment receipts to facilitate any claims.

AliExpress offers a secure environment, but care must be taken to avoid unpleasant surprises when making payments.

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How does payment method affect order processing and shipping speed?

The choice of payment method on AliExpress isn't just about fees and transaction security. It also has a direct impact on order processing speed, a key factor in dropshipping.

Some suppliers only process orders once payment has been confirmed.

Some sellers on AliExpress only start preparing the shipment once payment has been fully confirmed. If you use Alipay or a bank card, validation is almost instantaneous, speeding up processing. On the other hand, with a bank transfer or manual payment, there may be a delay of several days, as the funds must be received before the order is validated.

Use fast payment methods such as Alipay or credit card to avoid unnecessary delays in product shipment.

Deferred payments slow down logistics

Bank transfers and some electronic payment solutions require longer processing times. This means that..:

• The order remains pending until payment is confirmed.
• The supplier does not start production or dispatch until the funds have been received.
• This delay can lengthen the total delivery time, which can frustrate your customers.

Avoid payment methods requiring manual validation, unless you are buying in bulk and this is part of an agreement with a supplier.

Failure to pay may result in automatic cancellation of an order

If a payment fails several times in a row, AliExpress or the seller may automatically cancel the order, forcing the dropshipper to restart the purchasing process.

• Check that your banking limit has not been reached.
• Make sure your bank authorizes international payments.
• Always have a back-up solution (second credit card or other activated payment method) to avoid blocking your orders.

Conclusion 

Choosing the right payment method on AliExpress is essential to ensure fast, secure transactions, especially when dropshipping. Alipay and credit card remain the most suitable solutions for easy ordering, while PayPal offers additional protection but at a higher cost.

To avoid payment errors, it's important to check your bank details,activate 3D Secure authentication andautomate payments if necessary.

A well-optimized payment system improves order management, speeds up shipping and secures your dropshipping business. By applying these tips, you can avoid bottlenecks and maximize your efficiency on AliExpress.

FAQ

What payment options are available on AliExpress?

AliExpress offers several payment solutions, tailored to different needs. Available options include Alipay, bank cards (Visa, MasterCard, Maestro, American Express), PayPal (depending on the seller), WebMoney, Western Union and local payments such as Boleto (Brazil) or Klarna (Europe).

Alipay remains the most secure and convenient payment method for regular buyers, while bankcards are the most universal.

How can I dropship with AliExpress?

Dropshipping with AliExpress means selling a product without stocking it. When a customer places an order on your store, you buy the item on AliExpress and have it shipped directly to the customer.

To automate this process, tools such as DSers, AutoDS or Zendrop enable orders to be synchronized and paid for automatically. It is essential to choose a reliable and fast payment method, such as Alipay or a bank card, to avoid shipping delays.

How do I pay a dropshipping supplier?

Payment to dropshipping suppliers is usually made via Alipay, credit card or bank transfer.

• Alipay: recommended for frequent orders on AliExpress.
• Credit card: fast and accepted everywhere.
• Bank transfer: used for bulk purchases, but slower and more expensive.
  Some suppliers outside AliExpress accept PayPal or B2B payment platforms such as Payoneer. It is always advisable to check fees and processing times before confirming a payment.

Which credit card can I use to pay at AliExpress?

AliExpress accepts most Visa, MasterCard, Maestro and American Express credit cards. Prepaid and virtual cards also work in most cases.