Which payment model is most commonly used for eCommerce businesses?

The one-time payment model is the most commonly used payment method for eCommerce businesses. This model allows customers to purchase products or services outright in a single transaction, making it straightforward and convenient for both the buyer and seller. Many eCommerce scenarios, such as retail purchases or digital goods like books and music, are well-suited to this model, as customers can make immediate purchases without any long-term commitment.

In contrast to the one-time payment model, subscription and recurring payment models imply an ongoing financial relationship where customers are billed periodically, which may not apply to all types of eCommerce transactions. These models are more specific to services or products that are meant to be consumed repeatedly over time, rather than a one-off purchase. Pre-order payments, while an important aspect of certain marketing strategies or product launches, are not as universally adopted as standard transactional models across the broad spectrum of eCommerce.

Thus, one-time payments remain a foundational payment method that aligns with the majority of traditional eCommerce transactions.