Get the Tap app

Scan the QR code to download the app

QR code to scan for downloading the Tap app

Your complete guide to TikTok Shop payment methods

Discover the full range of TikTok Shop payment methods, including setup, supported options, and how to complete your first payment.

Your complete guide to TikTok Shop payment methods
Share
Linkedin logo
Download your copy

Today, TikTok ranks as the fifth largest social media platform globally, used by 31% of social media users and 30% of all internet users worldwide. Taking things one step further, TikTok is also busy revolutionising social media shopping through its TikTok Shop. Looking to dive in?

If you’re unsure how TikTok Shop works or what payment options are available, you’re in the right place. This guide covers everything you need to know about TikTok Shop payment methods.

What is TikTok Shop?

TikTok Shop is an integrated marketplace where you can purchase products directly through the app. Here you'll find everything from trending fashion items to electronics, all available from both independent sellers and major brands. *It’s worth noting that these are third-party sellers and not from TikTok directly. 

You’ll also need an account to use it. 

Finding TikTok Shop

Getting started is simple:

  • Download the TikTok app and create an account if you haven't already
  • Look for the Shop icon at the bottom of your screen
  • Start browsing products through videos, lives, or the Showcase tab

What payment methods are available on TikTik Shop?

TikTok Shop offers several convenient payment methods to suit your preferences and location:

Card payments

  • All major cards accepted (Mastercard, Visa, American Express, Discover - yes, you can also use your Tap card)
  • Both credit and debit cards are welcome

Digital wallets

  • Apple Pay (iOS users)
  • Google Wallet (Android users)
  • PayPal

Buy Now, Pay Later

  • Klarna: Split larger purchases into four interest-free payments

Making your first purchase

Ready to start shopping? Follow these simple steps:

  • Find a product you love
  • Click "Add to Cart"
  • Hit "Check out" when ready
  • Enter your shipping details and billing address
  • Select your preferred payment method
  • Review your order
  • Confirm and place your purchase

Managing your payment methods

To add or change your payment method:

  • Visit your TikTok profile
  • Select "Your orders"
  • Tap "Payments"
  • Add new payment methods or set your preferred option

Shopping tips

  • Always verify seller ratings and reviews before purchasing
  • Check product descriptions and shipping information carefully
  • Keep track of your orders through the TikTok app
  • Enable notifications to track your order status
  • Purchases are eligible for Tap cashback rewards

With these payment options and your Tap card at hand, you're ready to explore everything TikTok Shop has to offer.

Disclaimer

This article is for general information purposes only and is not intended to constitute legal, financial or other professional advice or a recommendation of any kind whatsoever and should not be relied upon or treated as a substitute for specific advice relevant to particular circumstances. We make no warranties, representations or undertakings about any of the content of this article (including, without limitation, as to the quality, accuracy, completeness or fitness for any particular purpose of such content), or any content of any other material referred to or accessed by hyperlinks through this article. We make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up-to-date.

faq

Frequently Asked Questions

1
Can you purchase through TikTok?

Yes, you can make purchases directly through TikTok Shop. The platform allows you to buy products while watching videos, during live streams, or through the dedicated Shop tab without ever leaving the app.

2
How do I pay someone on TikTok?

For TikTok Shop purchases, you can pay using any major credit/debit card (including your Tap Card), digital wallets (Apple Pay, Google Pay), PayPal, or buy-now-pay-later services like Klarna. Personal money transfers between users are not currently supported on TikTok.

3
How can I collect my money on TikTok?

If you're a seller on TikTok Shop, earnings are typically transferred to your linked bank account after the settlement period (usually 1-2 business days after order completion and customer confirmation). For content creators, earnings from the Creator Fund are transferred to your linked payment account.

4
Is TikTok payment safe?

Yes, TikTok Shop implements multiple security measures to protect transactions, including secure payment processing, buyer protection policies, authentication requirements and encrypted payment information. Using your Tap card adds an extra layer of security with Mastercard's fraud protection features.

5
What is the safest way to pay on TikTok Shop?

While all options are secure, your Tap card and PayPal's secure checkout offer additional security layers and buyer protection.

6
How do I buy TikTok coins?

TikTok coins are the platform's virtual currency used for tipping creators and buying virtual gifts. You can purchase them through the TikTok app using your preferred payment method. Go to your profile, tap the menu icon, select "Balance," and choose "Recharge" to buy coins.

7
What is the TikTok Shop payment fee?

TikTok Shop has two main fee components: - A marketplace commission fee of 5-8% (varies by product category) - A transaction fee of 1.8% on the total amount (including product price, shipping, and taxes) While buyers don't pay extra fees beyond the listed price and shipping, sellers should factor these fees into their pricing strategy. The fees are automatically deducted from each sale before the payment is transferred to the seller's account. Note: The rates and fees mentioned are current as of our last update. Please check TikTok's current terms for the most up-to-date information.

8

9

10