Temu payment options

Shopping on Temu and wondering about the best Temu payment options to suit your needs? 

You’re in the right place! Temu offers an impressive array of 15 different payment methods, ensuring there’s something for everyone. Whether you prefer the classic security of major credit cards like Visa and Mastercard or the modern convenience of digital wallets like PayPal and Apple Pay, Temu has got you covered. 

Are you a fan of spreading your payments over time? Temu’s partnership with popular Buy Now, Pay Later services such as Klarna and Afterpay can make your shopping experience more manageable. 

And if you’re looking for rewards and discounts, why not explore the benefits of using Temu Credit? 

Dive into the world of Temu’s diverse payment methods and discover the perfect match for your shopping style.

Temu Payment Options

Temu, an online shopping platform, offers a diverse range of 15 payment methods to cater to the varying preferences and needs of its customers. This wide selection includes major credit and debit cards, digital wallets, and various buy now, pay later services (BNPL).

Here is an exhaustive list of available payment options in Temu, so you can choose the one that best fits your needs:

1- Paypal


PayPal, when used as a payment option on Temu, offers a blend of convenience, protection, and flexibility that caters to a modern shopper’s needs.

Its user-friendly platform streamlines the checkout process, often requiring just an email and password to complete a transaction, bypassing the need to enter card details. This not only speeds up the purchasing process but also adds a layer of security, as financial information is not shared with the merchant.

PayPal Purchase Protection for Buyers is a significant benefit, offering customers peace of mind by covering eligible purchases if they don’t show up or match their description.

Additionally, PayPal’s dispute resolution service provides a pathway for buyers and sellers to resolve issues, which is particularly valuable in a marketplace setting like Temu, where multiple third-party sellers are involved.

For those who prefer not to use their credit or debit cards online directly, PayPal is a robust alternative. Users can fund their PayPal accounts through multiple sources, including bank accounts and credit cards, or maintain a balance within PayPal itself.

This flexibility, combined with its reputation for security, makes PayPal an attractive payment option for Temu users seeking a trustworthy and seamless shopping experience.

See Also: How to remove PayPal from Temu?

2- Visa


Visa offers users a secure and globally recognized payment method.

Visa’s advanced security measures, such as continuous fraud monitoring and the Visa Zero Liability policy, ensure that customers’ transactions are protected against unauthorized use, giving them confidence when shopping on Temu’s platform.

Additionally, Visa’s widespread acceptance means that users from virtually any country can make purchases seamlessly.

With features like Visa Click to Pay for expedited online purchases, the checkout process is quick and user-friendly.

Furthermore, Visa often partners with retailers to offer special deals and rewards, which can enhance the shopping experience in Temu by providing additional value to the consumer.

The convenience, security, and additional perks make Visa a preferred choice for many of Temu’s customers.

3- Mastercard


Choosing Mastercard as a payment method offers a multifaceted array of benefits that enrich the online shopping experience.

Like Visa, Mastercard is globally recognized, ensuring ease of use for customers worldwide.

Its robust security features, such as the Mastercard SecureCode, offer a personalized, private code for online purchases, adding an extra layer of security against unauthorized transactions.

Mastercard’s benefits extend beyond security. Users often enjoy additional perks like price protection, which can refund the difference if you find a lower price on a product you bought, and extended warranties on purchases, adding value to each transaction.

Mastercard also offers ID theft protection, a crucial feature in today’s digital shopping landscape, providing services like identity monitoring and expert resolution assistance.

Furthermore, Mastercard’s innovative technology ensures speedy and reliable payment processing, crucial for a smooth and hassle-free checkout experience. 

This efficiency is complemented by occasional exclusive offers and rewards for cardholders, ranging from cashback to special discounts on various services, making it not just a payment method but a tool for enhanced shopping satisfaction on e-commerce platforms like Temu.

4- American Express

American Express

Using American Express brings a host of premium benefits and robust security features.

American Express, known for its high standards of customer service, ensures that its cardholders receive top-notch support, which can be invaluable in resolving any transaction issues on Temu.

One of the standout features of American Express cards is their rewards program. Customers can earn points for every purchase made on Temu, which can be redeemed for travel, shopping, or even statement credits. This adds a layer of value to every transaction, making the shopping experience more rewarding.

In terms of security, American Express offers advanced fraud protection, monitoring transactions for suspicious activity and providing alerts to prevent unauthorized usage.

Additionally, their Purchase Protection policy can cover repairs or refunds on certain items bought through Temu if they’re stolen or damaged within a short period after purchase.

Moreover, American Express cards often come with extended warranty benefits, adding additional warranty coverage on products purchased. This can be especially beneficial when buying electronics or other high-value items on Temu.

The combination of these features – superior customer service, lucrative rewards, comprehensive security, and additional purchase protections – makes American Express a highly advantageous payment option for Temu users seeking a secure, beneficial, and satisfying shopping experience.



If you’re shopping on Temu and use a Discover card, you can enjoy a suite of benefits designed for security and savings.

One of the standout features is Discover’s Online Privacy Protection. This service allows users to have more control over their personal information by assisting in the removal of their data from specific people-search websites known to sell user information, ensuring a more private online shopping experience.

In terms of rewards, Discover offers an attractive cashback program. Customers earn unlimited 1% cash back on all purchases automatically. Also, there is an opportunity to earn 5% cash back on purchases made in various places each quarter, with activation required. This can sometimes include popular online retailers, which can be quite beneficial for frequent online shoppers.

Discover also appeals to those who are budget-conscious, as their credit cards come with no annual fees and no foreign transaction fees. This can be particularly appealing for those who enjoy shopping on international sites or from overseas, as it avoids the extra charges that can accrue over time.

For those who shop through Discover’s Online Shopping Mall, the benefits amplify with up to 20% cash back on purchases made. This feature can lead to significant savings for regular online consumers.

Finally, security is a paramount concern for Discover cardholders. With a $0 Fraud Liability Guarantee, customers are protected from unauthorized charges, offering peace of mind with every transaction. Furthermore, Discover’s proactive fraud monitoring service vigilantly watches over accounts for any suspicious activity, providing an extra layer of security during online transactions. 

These benefits make Discover a valuable payment option for online shopping, providing both financial rewards and protective measures to ensure a secure and advantageous shopping experience.

6- Maestro


Maestro card offers a combination of ease and security for online shoppers. 

Maestro, which is part of the Mastercard network, is widely accepted by retailers globally, so if a merchant takes Mastercard, they’ll likely accept Maestro too​​​​. This makes it a convenient option for international purchases, including those from markets like Europe, China, and India where Maestro is particularly popular.

One of the main benefits of using Maestro for online transactions is the enhanced security it provides. Maestro cards often incorporate PIN-based authentication, which adds a robust layer of protection against unauthorized access to funds​​. 

In addition to this, some Maestro cards come with 2-factor authentication for online purchases, similar to the security measures provided by credit cards​​.

This means when you’re using a Maestro card to buy something online, you’ll enter your card details and then complete a second verification step, often a one-time code sent to your phone or generated by a secure app. This two-step process significantly reduces the risk of fraudulent transactions, as it ensures that only the legitimate cardholder can complete a purchase

Moreover, since Maestro is a debit card service, when you use it for shopping, you’re spending money that you already have in your bank account, which can help with budgeting and avoiding debt.

However, it’s important to note that while Maestro provides these benefits, specific features can vary depending on the issuing bank, so it’s a good idea to check the details with your bank

In summary, a Maestro card on Temu or any other online shopping platform offers a secure and straightforward way to make purchases with the added benefit of Mastercard’s global acceptance and advanced security features.

7- Diners Club

Diners Club

Diners Club is one of the accepted payment methods in Temu. Using Diners Club on platforms like Temu comes with its unique benefits, mainly due to the Diners Club Rewards program.

This program, being the first card-based rewards program, is highly acclaimed for its features. For every eligible dollar charged on the Diners Club Card, users earn one Club Rewards point. This is enhanced further with the Diners Club Card Elite, where users can earn three Club Reward points per dollar at grocery stores, supermarkets, drug stores, pharmacies, and automobile fuel service stations (pay at the pump only). 

There’s no cap on the number of points you can earn, making it a lucrative option for frequent shoppers​​​​.

The Club Rewards points can be turned into unique, tailored rewards and memorable experiences. The program offers an array of redemption options, including world-class merchandise ranging from electronics to sports gear, gift certificates for retail, dining, hotel, car rental, and gas from national establishments. 

Additionally, it provides a self-booking travel tool, tailored travel credits for flights, hotel stays, car rentals, and cruises without blackout dates or seat restrictions, and options to convert points into frequent flyer miles or frequent guest points. 

For cardmembers with over 50,000 points, there’s an exclusive Personalized Rewards service that allows them to design their rewards, making it possible to fulfill specific wishes or dreams​​​​.

In summary, using Diners Club on Temu not only adds to the convenience of multiple payment options but also unlocks the potential of earning and redeeming points through a well-established rewards program. This can enhance the overall shopping experience by allowing users to gain from their regular purchases in various meaningful ways.

8- JCB


JCB (Japanese Credit Bureau) cards, widely used for online purchases, have around 85 million cards issued globally, with 15 million outside Japan. 

They can be used similarly to other major credit or debit cards, where users enter their card number, expiry date, and security code. The JCB 3D-Secure product, J-Secure, helps limit card-not-present fraud and chargebacks, providing a secure transaction environment. While JCB merchant fees are typically commission-based, it’s worth noting that there are fewer JCB Payment Service Providers and Merchant Acquirers compared to those for MasterCard and Visa​​.

Regarding the benefits of using a JCB card, JCB offers a range of attractive credit cards designed to provide exclusive services and rewards to customers. Their proprietary card lineup includes Premium, Affinity, and Corporate cards, each offering unique brand value and catering to specific customer needs worldwide. 

For example, ‘JCB The Class’ is an invitation-only, highly prestigious card offering special status and exclusive services to a select group of card members. This and other JCB Gold Cards provide high added-value services, including dedicated service desks, enhancing customer satisfaction. 

Additionally, JCB Prepaid Cards are available for those who prefer to control their spending, as they only allow the use of the pre-charged balance for transactions. These cards can be used at JCB merchants globally, adding to their versatility​​​​​​.

In summary, using JCB as a payment option on Temu provides shoppers with a secure and flexible way to make purchases. The benefits of JCB cards, ranging from their comprehensive security features to their exclusive services and rewards, cater to a diverse clientele, enhancing the overall online shopping experience.

9- Apple Pay

 Apple Pay

Apple Pay, available on Temu’s mobile app, provides a convenient and secure payment option for users. 

This integration caters to users who prefer the convenience of digital wallet solutions, particularly those using Apple devices. 

It simplifies transactions with easy authentication via iPhone, bypassing the need for traditional credit card swiping. Notably secure, Apple Pay uses a unique device account number instead of the actual card number, reducing the risk of theft. This service operates without an internet connection and doesn’t charge extra fees. 

Apple Pay ensures privacy by not tracking user purchases and provides added security against credit card hacks, making it a safe and efficient choice for online shopping on platforms like Temu.

10- Google Pay

Google Pay

Google Pay, an accepted payment method in Temu, provides a seamless shopping experience by combining security, speed, and convenience. 

It ensures user privacy and safety with advanced encryption and security features like fingerprint and face identification. The need for manual entry of card details is eliminated, making transactions swift and efficient. 

Additionally, its capability to replace physical cards and cash with a digital wallet adds to its practicality, accessible on Android and via browsers for iOS users. 

This integration into Temu’s diverse payment options underscores its commitment to a user-friendly, secure online shopping environment.

11- Cash App Pay

Cash App Pay

Cash App Pay is supported on Temu allowing customers to utilize this mobile payment service both on the Temu app and on Temu.com via a browser.

Cash App enhances online shopping with its convenience and security. It allows users to link their debit card or bank account, eliminating the need to enter credit card details for each purchase, thus making the checkout process quicker and more streamlined.

Additionally, Cash App’s use of encryption technology ensures the security of financial transactions and personal information. The service’s real-time transaction notifications aid in spending tracking and fraud detection, offering a secure and efficient payment option for Temu shoppers.

12- Klarna


Klarna, a well-known online Buy Now, Pay Later payment service, is integrated into the Temu shopping platform, offering a convenient and flexible payment option.

It allows users to make purchases and then pay for them in four interest-free installments every two weeks. This service caters to customers seeking an alternative to the traditional one-time payment method, particularly beneficial for those who prefer to spread out their expenses​​​​​​.

The advantages of using Klarna, especially in the context of online shopping platforms like Temu, are rooted in its emphasis on flexibility, security, and user experience. Klarna’s model is centered around providing customers with the ability to manage their finances more effectively by allowing them to pay over time. This flexibility is particularly appealing to shoppers who may want to purchase big-ticket items without the immediate financial strain.

The Klarna app enhances the shopping experience by offering tailored shopping tips, exclusive deals, and the freedom to shop and pay in preferred ways. This personalized approach makes the shopping journey smoother and more tailored to individual preferences.

The addition of Klarna for Chrome, a browser extension, extends this convenience to desktop users, enabling them to split their purchases directly from their computers with no-hassle installation and easy management of payments through the Klarna app​​​​​​.

Furthermore, Klarna provides additional benefits such as the ability to track price drops, access the latest deals, and manage payments and returns efficiently.

This comprehensive approach not only simplifies the payment process but also adds a layer of financial management, making it a valuable tool for savvy online shoppers.

The service’s integration with Temu’s diverse payment options aligns well with the platform’s aim to offer a seamless and flexible shopping experience to its users​​.

In summary, Klarna’s integration into Temu offers a blend of convenience, financial flexibility, and an enhanced shopping experience.

Its pay-over-time model, coupled with a personalized app and browser extension, makes it an attractive payment option for users who value both flexibility in payments and a tailored online shopping journey.

13- Affirm


Affirm, a popular buy now, pay later service, enables consumers to purchase items and pay over time, either in short-term interest-free payments or more dispersed monthly payments.

For example, interest-free payments can be spread over four payments every two weeks. This flexibility is particularly appealing for customers making larger purchases, as it allows them to manage their finances without the immediate burden of a full payment​​​​​​​​.

Using Affirm is straightforward. Shoppers can start by selecting Affirm as a payment method at checkout or by using the Affirm app, available for both iOS and Android devices.

The app provides a preapproval amount and showcases limited-time deals compatible with Affirm financing.

One notable feature of Affirm is the provision of a one-time-use virtual credit card, which can be used both online and in-store. This virtual card simplifies the shopping process by allowing users to enter the total checkout amount, including tax and shipping, and then choose a suitable payment plan​​​​.

Affirm’s payment plans vary, offering options such as six weeks with 0% APR or longer terms with interest. It’s important to note that the offered interest rates (APR) depend on personal financial factors and can go up to 36%.

After purchase, Affirm loans are managed within the app, where users can view the total loan amount, amount paid, and make additional payments. Affirm’s AutoPay feature, which uses a provided credit or debit card, can be turned off if desired​​​​​​.

In summary, Affirm’s integration with Temu provides a convenient and flexible way for customers to finance their purchases, especially larger ones. With options for interest-free short-term payments or longer-term plans with interest, along with the ease of using a virtual credit card, Affirm makes online shopping on platforms like Temu more accessible and financially manageable.

14- Afterpay


Afterpay, now accepted on Temu, offers a buy now, pay later (BNPL) payment method, allowing customers to make purchases and pay for them in four interest-free installments every two weeks.

The benefits of using Afterpay, particularly for online shopping on platforms like Temu, include the ability to budget spending effectively.

Customers can make their first payment upfront and then spread the remaining cost over six weeks, always interest-free when paid in four installments. This system of payment not only makes larger purchases more manageable but also encourages responsible spending.

Afterpay also ensures no fees are charged when payments are made on time, and it provides reminders to help keep users on track with their payments​​​​.

Afterpay enhances the shopping experience with features like the ability to track payments and reschedule payment dates, keeping the user’s budget in check.

It also offers exclusive deals, personalized recommendations, and the option to create shopping lists for later.

Furthermore, Afterpay has introduced a digital card that can be added to Apple Wallet or Google Wallet, enabling in-store payments in four installments, thus bridging the gap between online and physical retail experiences​​​​.

Additionally, Afterpay rewards consistent and timely payments through its Pulse Rewards program. Users can earn points for on-time payments, which unlock various benefits, adding great value to the shopping experience. This rewards system encourages not only timely repayments but also repeated use of the service, thereby fostering customer loyalty​​.

In summary, Afterpay’s integration into Temu’s payment options offers significant advantages, such as interest-free installments, budget management, no late fees, personalized shopping experiences, in-store payment options, and a rewards program.

15- Venmo


Using Venmo on Temu offers several benefits. It’s convenient and efficient, especially for mobile users, allowing for quick transactions.

Venmo’s social integration simplifies bill splitting and group payments, enhancing the user experience.

Security features like PIN protection and the ability to disable the app if your phone is lost or stolen add a layer of safety. Venmo can also be linked to bank accounts for easy fund transfers.

Users can easily track their payment history and expenses within the Venmo app, making it a comprehensive and user-friendly payment option for Temu transactions.

16- Temu credit

Temu credit

Temu Credit functions as a reward system where credits can be accumulated through various activities, such as referring friends or sharing products on social media.

These credits can then be used towards eligible orders at checkout, offering discounts and, in some cases, free items. New users are also incentivized with free credits upon signing up, making it an attractive option for first-time shoppers​.

One of the primary attractions of Temu Credit is its ability to provide discounts and special offers. Customers can use Temu Credit during exclusive deals, potentially receiving up to 90% off on purchases.

This feature makes Temu Credit especially valuable during promotional periods or sales. Additionally, Temu encourages more credit earning through referrals and the use of discount codes, which can lead to further discounts and even free shipping. The platform also offers delivery credit for late deliveries, adding another layer of customer satisfaction and loyalty.

What is the best Temu payment option?

Each payment option has its benefits, so the best option for you will depend on your individual needs and circumstances. 

However, it’s advised to refrain from using your credit card or debit card directly in Temu as there are reported incidents of credit card fraud and data security concerns (see our guide on how to remove a card from Temu).

It’s advisable to use third-party payment providers like Paypal, Apple Pay, Cash APP, or any Buy Now, Pay Later option that provides one-time use virtual cards like Affirm when placing an order on the Temu website or application. Also, you can use Visa gift cards on Temu as a secure option.

Does Temu accept cash on delivery?

No, Temu does not accept cash on delivery as a payment method. Temu, like many online shopping platforms, requires payment to be made electronically at the time of purchase. Their accepted payment methods typically include major credit and debit cards, PayPal, Apple Pay, Google Pay, and other digital payment services.

Cash on delivery is generally not offered by most online retailers, including Temu, as it doesn’t align with the logistical and security protocols of online shopping and e-commerce transactions.


In conclusion, Temu offers a versatile array of 15 payment options, ensuring that every shopper finds a method that suits their needs. From popular digital wallets like PayPal and Google Pay to major credit cards such as Visa, Mastercard, and American Express, you’re covered for secure and convenient transactions. 

For those seeking flexible payment plans, Temu’s integration with Buy Now, Pay Later services like Klarna, Afterpay, and Affirm offers an excellent solution. And, if you’re inclined towards rewards and discounts, using Temu Credit can be a smart move. 

However, it’s important to note that Temu doesn’t accept cash on delivery, and you can’t split payments between two cards for a single purchase directly (check our workaround for splitting payments on Temu). 

So, whether you’re budgeting your expenses or looking for a quick and secure checkout, Temu’s payment options cater to your diverse shopping needs. Just remember, always choose the payment method that aligns with your financial preferences and security requirements for a hassle-free shopping experience.


Does Temu accept Sezzle?

No, TEMU does not accept Sezzle as a payment option. Sezzle is a service that allows you to split your purchase into four interest-free payments over six weeks, but unfortunately, this option isn’t available on TEMU.

Does Temu accept Venmo?

Venmo, known for its ease of use in peer-to-peer transactions and online purchases, unfortunately, isn’t a payment option for TEMU customers at this time.

Does Temu accept prepaid cards?

Yes, Temu accepts prepaid cards, including Visa gift cards, Mastercard gift cards, and virtual cards.

Does Temu accept debit cards?

Yes, Temu accepts debit cards. Temu accepts most major credit/debit cards, including Visa, Mastercard, Discover, American Express, JCB, Diners Club, and Maestro.

Can I pay with 2 cards on Temu?

No, Temu does not offer the functionality to split payments and pay with 2 cards at the same time. However, you can add multiple payment methods to Temu and use only one of them at checkout.

Does Temu take cash?

TEMU, being an online shopping platform, does not accept cash as a direct form of payment for purchases made through its website or app. Online retailers typically require electronic payment methods such as credit or debit cards, digital wallets, or other online payment services.

Does Temu accept Zip?

No, Yes, TEMU does not accept Zip as a payment method. Zip, formerly known as Quadpay, allows you to pay for your purchases at TEMU in four installments over six weeks. This payment option provides a way to manage your spending by splitting the cost of your purchase into more manageable amounts.

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