Top 5 Best AliExpress Payment Methods

Feb 15, 2022

AliExpress is a Chinese eCommerce site where you can find almost everything you need, often at pretty low prices. That's why it has become a worldwide shopping site in just a few years.

After knowing what AliExpress sellers are trustworthy, people often wonder what AliExpress payment methods they should use at the time of purchase.

Since the service is international, measures to ensure secure payment are crucial. However, it's up to you to decide what's the best payment method for AliExpress.

In this article, we'll explain some of the best options. Therefore, you can make an informed choice.

Table of Contents

Is It Safe to Purchase Something on AliExpress?

The fact that products come from so far away, where they're even written in different languages than yours, may not generate much trust.

However, AliExpress's success in Europe is thanks to the security it offers in purchases. This trustworthiness is achieved by using the escrow method. AliExpress holds your money until the package reaches its destination and never reveals payment details.

In other words, once your payment has been approved, your funds will be securely stored in AliExpress. The money will be transferred to the supplier's account only when you confirm the delivery has gone as expected.

In addition, its website uses HTTPS, through which data is always encrypted. Therefore, your sensitive data can never be stolen.

AliExpress also has encryption systems from Visa, Mastercard, and Verisign SSL to protect payments.

In short, multiple encryption systems and the escrow method make shopping at AliExpress completely safe.

Top 5 Best AliExpress Payment Methods

Credit/Debit Cards

Credit/debit cards are the safest AliExpress payment methods, and therefore, the most recommended. Of course, entering your card details during checkout can be a hassle.

But that's the only downside. And it's easy to fix. After one purchase, you can just save the card to the checkout. Later on, you only need to enter your CVV every time you purchase something.

AliExpress accepts many popular credit and debit cards, including ones from VISA, Mastercard, JCB, and American Express. There are also several other cards accepted on AliExpress for payments linked to local entities (e.g., Diners Clubs).

AliExpress also supports some virtual and prepaid cards. These are more secure since only the money deposited into the account will be deducted.

This way, you won't run the risk of losing considerable amounts of money, even if your card information is leaked. Payoneer, Neteller, and the N26 virtual card are some of the options.


Although AliExpress accepts PayPal, it's not the most popular AliExpress payment option. Nevertheless, it's still considered one of the safest.

When using PayPal on AliExpress, you don't have to provide your bank account details or even link your credit/debit cards to AliExpress. You can pay directly with your PayPal account without needing to reveal any information.

This is especially beneficial for those without a credit card as there are very few debit cards accepted on AliExpress.

The reason it's not the most popular choice is PayPal charges a small commission for the transactions made.

If your order amount is less than $20, you'll be charged $0.8. However, if your order exceeds $20, you'll be charged 4% of the entire bill. If the cost of your purchase is high, you will have to pay a correspondingly high commission.

This is just one of the reasons why people don't like using PayPal. You can't control whether the payment has been processed to the merchant before receiving the order, since it's designed as a transfer app and not a payment fulfillment app.

This opens up room for fraud. But in case the order is completed, and you don't like what you bought, the refund can be transferred back to your PayPal account.

QIWI Wallet

If you live in Russia, you must have heard the name QIWI. It's a secure platform through which you can pay money on AliExpress.

The best part of this platform is that you don't have to share your credit card numbers or sensitive bank details on the internet.

Although this form of payment is great, it's only available in a few countries, namely the USA, Brazil, Russia, Jordan, Kazakhstan, Moldova, Belarus, and Romania.

If you're an avid AliExpress user and live in one of the above countries, I strongly recommend using QIWI.

After downloading the app, link your phone number to your QIWI wallet. Once the security code is sent to the number, and you're verified, you can choose how you want it to work. You can transfer the balance to the phone number or link your card to the wallet. Since it's all virtual, you get extra protection.


This is an electronic payment system. You can use WebMoney to pay for your AliExpress purchases. If that's the case, you'll enjoy various benefits.

If you live in Russia or Eastern Europe, this method may be the most convenient one.

One of the most significant advantages of WebMoney is instant transfers. You don't have to wait long for the processing time.

Strictly speaking, you can deposit money effortlessly with the help of this platform.

Another impressive part of WebMoney is that they harmonize with six currencies. However, you should use USD, Euros, Belarusian rubles, and Rur for the best accuracy.

In addition, you'll enjoy the best protection and privacy as well. It'll never reveal your card number and other sensitive details to brokers. You can consider it as a standalone payment method.

Note that it's not uncommon for the system to block the receiver and the sender. While transactions are being verified by the administration, the service's members will be thoroughly analyzed for wallet hack attempts or suspicious transactions.

Therefore, the wallet cannot be used for some time. However, in more than 70% of cases, WebMoney is timely in blocking the e-wallet in time, thereby preventing fraudulent actions.


If you want to open a new card only to purchase something on AliExpress, you should consider using Payoneer. It's nothing but an online bank from which you can get many credit cards.

You only pay 1% for each transfer. This is a suitable method because you can open an external bank account whenever you want.

Once you open an account, you'll be able to receive a card from them. It'll be considered an American bank account that you can link to your PayPal account.

After that, all you have to do is use this credit card to make purchases on AliExpress. You can do it easily without any problem.

What Should You Do After Choosing an AliExpress Payment Method?

It's advised that you choose the currency in which you will make the payment. This is done from the app configuration section or the AliExpress website.

Remember that you're better off choosing the currency of your bank account. This way, you'll always know precisely how much you're going to pay. You'll also save on possible additional payments because the exact amount of the conversion fees can't be known in advance.

In addition, by selecting a currency that you typically use, it'll be easier for you to understand product prices.

As an international market, almost all popular currencies are available on AliExpress. We also recommend you select your country of residence to know the shipping costs and not miss out on special offers for your country.

Conclusion: Which is the Best AliExpress Payment Method for You?

We can't tell you which is the best AliExpress payment method for you, as each person will find one option more convenient than the other AliExpress payment methods.

Overall, it's getting easier to use credit/debit cards, so we've found this to be one of the most straightforward and reliable AliExpress payment options.

In addition, it uses the escrow method, thus ensuring that the products will reach you, even if it's sent from the other side of the world. Otherwise, your money is safe and can be retrieved.

Alice Pham

Writer and Blogger about Technology and Marketing. I also share my knowledge of Shopify, WordPress, and WooCommerce. Contact me via email: or

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