How to pay on TikTok Shop: Guide to payment methods

TikTok is one of the fastest-growing social media platforms on the planet with 1.5 billion monthly active users.¹ Naturally, their very own in-app store TikTok Shop is becoming more popular by the minute, offering everything from food to clothes and electronics. In fact, it’s so popular that 30% of daily TikTok users have used TikTok Shop at some point and another 30% are willing to try it.¹

If you’re not sure how their shop works and how you can pay for purchases there, you’re in the right place. We’ll cover everything you need to know about TikTok Shop payment methods.

We’ll also mention a handy way to enjoy your TikTok Shop splurge - the Wise card. It’s designed for low-cost spending, automatically converting your pounds at a fair mid-market exchange rate for a small, transparent fee*.

How does TikTok Shop work?²

TikTok Shop is a marketplace which allows TikTok users to buy products directly through the app. So, you need to have a TikTok account in order to use it. However, the products there are not sold by TikTok, but instead by third-party sellers, many of whom implement dropshipping.

TikTok Shop allows you to purchase items from both private sellers and also from big brands and retailers. You can buy things through in-feed videos, LIVE videos and the Showcase tab, which is essentially buying directly from a seller's or a creator's account.³

Where to find TikTok Shop⁴

First, download the TikTok app if you don’t already have it installed. You won’t be able to use TikTok Shop without it, so this is the most important step.

After you create an account and log in, you’ll be able to find TikTok Shop on the bottom of the page. The location might be different in other countries, but this is where it is in the UK.

How to place an order on TikTop Shop⁵

Here’s a step-by-step on placing a TikTok Shop order:

• Click on the Shop tab on the bottom of the screen
• Browse or search for specific products
• Press “Add to Cart” when you find something you like
• Go to your cart and press “Check out”
• Provide shipping information
• Select one of the TikTok payment methods
• Review and confirm everything
• Place your order
• If you want, track the status of the order in the TikTok app

What payment methods does TikTok Shop accept?⁶

So, what payment methods does TikTok Shop accept? The good news is that there’s a variety to choose from, from payment cards to BNPL options. Let’s cover all of them:

Credit and debit cards

The cards accepted for paying at TikTok Shop are Visa, Mastercard, American Express and the Discover Card. This includes both credit cards and debit cards.

You can save your card details in the app so you don’t have to type them in in the future. You can also delete them at any time.

Apple Pay

Apple Pay is a secure and convenient way to pay online, TikTok Shop included. Those who have an iOS device can use it to quickly place orders.

Google Wallet

If you’re an Android user or you don’t use Apple Pay for any other reason, Google Wallet is also a valid payment option.

PayPal

PayPal is another payment method for ordering from TikTok Shop. If this is your preferred means of payment, you’ll be redirected to their page and log into your PayPal account.

You can also pay with a credit or debit card through PayPal even if you don't have a PayPal account. If you use PayPal as your chosen payment option, you may also be able to pay in instalments via PayPal Pay in 3, too.

Klarna

If you plan on making a bigger purchase in TikTok Shop, a service like Klarna may be helpful. This buy now pay later option allows you to split your orders into four interest-free payments. Money will then automatically be taken from your account every two weeks.

Using your Wise card to pay on TikTok Shop

You can use your Wise card for all TikTok Shop payments. Save the card details in the app or add it to your mobile wallet for an extra layer of security. When it comes to TikTok Shop, Apple Pay or Google Wallet are accepted and commonly used wallets.

How to add a payment method on TikTok

Here’s how to add a new payment method to use in your TikTok Shop:

• Go to your TikTok profile
• Click on “Your orders”
• Tap “Payments”
• Add a new payment method

How to change your payment method on TikTok

Changing your payment method on TikTok is similar to adding a new one. Here are the steps:

• Go to your TikTok profile
• Click on “Your orders”
• Tap “Payments”
• Click on the payment method you wish to choose
• Click “Set as primary”

Save money while shopping on TikTok with the Wise card

That was our guide on how to pay on TikTok Shop and what the accepted payment methods are. You should be able to place your first order and see what the hype is all about.

However, your purchases aren’t necessarily the only expense you’ll have on TikTok Shop. Since sellers can set their own currency, you can also get hit with unfair exchange rates. Luckily, you can avoid this by using your Wise card when shopping.

For a one-time cost of just £7, you can get your own Wise card. It auto-converts the money in your Wise account to the right currency whenever you spend, all at the mid-market rate. You’ll just pay a small conversion fee, or no fee if you already have the currency in your Wise account*.

Your Wise card awaits 💁‍♀️💳

Want to follow Wise on TikTok? Whether you want to learn more about how Wise works or you want to enjoy some finance-themed silliness from our social team, you'll find us on the app!

Follow Wise on TikTok 🤳

Additional TikTok Shop FAQs for buyers

Let’s answer some frequently asked questions about TikTok Shop:

How to get a refund on TikTok Shop?⁷

You can submit a refund request from the moment your order has shipped and up to 30 days after it has been delivered. The seller has to respond in two business days.

There are various types of refunds on TikTok Shop, such as the returnless refund, partial refund or speedy refund. This, as well as who pays the costs of return shipping, depends on your specific situation.

How do TikTok Shop returns and exchanges work?⁷

You have 30 days after package delivery to submit a return request. You’ll then either ship your items to the seller or bring them to a TikTok Shop drop-off point.

If the seller is at fault, they have to pay the costs of return shipping. You’ll get a response within two business days after request submission.

What are TikTok coins?⁸

TikTok coins are a bit like the currency of TikTok, since you can use them for rewarding or “tipping” the content creators you like. Also, you use real life money when buying these coins.

After you purchase them, they’re downloaded into your account. You can then use these coins to send gifts to other TikTok creators. Each gift costs a certain amount of coins.

Here’s how to buy them:⁹

• Tap your profile
• Click “Settings and privacy”
• Click “Balance”
• Tap “Recharge” and choose how many coins you want
• Follow the instructions to complete the purchase

Does TikTok Shop accept cash on delivery (COD) in the UK?¹⁰

COD is one of TikTok Shop’s accepted payment methods, but not in the UK. This is available mainly in southeast Asia, in countries such as Indonesia and Vietnam.

Please see the Terms of Use for your region or visit Wise fees & pricing for the most up-to-date information on pricing and fees.

Sources used:

1. Sprout Social - TikTok statistics 2024
2. Which.co.uk - what is TikTok Shop
3. TikTok for Business - about TikTok Shop and Showcase
4. UK Safer Internet Centre - where to find TikTok Shop in-app
5. Synder - how to access TikTok Shop
6. Synder - payment methods on TikTok Shop
7. TikTok Academy - customer order cancellation, return and refund guidelines
8. TikTok - Coins policy
9. TikTok Help Center - TikTok gifts
10. TikTok Academy - TikTok Shop cash on delivery policy

Sources last checked on date: 31-July-2024