Ecommerce OS · Info Products7 min readUpdated November 2, 2026

Express Checkout for Info Product Businesses

What Apple Pay and Google Pay change for courses, coaching and memberships: platform limits, buyer email for access, renewals on wallet orders, apps.

Nick Bonnassies, CMO at Tagada · checked against 10 sources

Article summary

TL;DR

Express checkout lets buyers pay with Apple Pay, Google Pay or PayPal without typing a card. For a course bought on a phone after an ad, that removes the slowest step. Before adding the buttons, check that you still get the buyer's email, that memberships and plans renew on wallet orders, and that the terms stay visible above the buttons.

Offering at least one accelerated wallet "can increase lower funnel conversion rates by upward of 50%" (Shopify with BCG, June 2023).
Apple Pay and Google Pay "don't share the customer's email by default"; you have to request it (Stripe docs, read November 2026).
On Kajabi, Apple Pay and Google Pay are "exclusively available through Kajabi Payments", including on subscriptions and payment plans.
Apple Pay's default device token can stop working when a buyer changes phone; a merchant token keeps renewals running.
Inside an iPhone app, unlocking premium content requires Apple's in-app purchase, with a US exception for links to the web.

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On this page

This guide is part of our playbook on the best ecommerce platform for info product businesses. The general guide, for any store: custom ecommerce checkout. For the rest of the page, see checkout optimization for info product businesses.

What express checkout changes for a course

A course has no shipping address, so a card form is already short. The wallet removes the last slow part on mobile: typing the card.

	Card form	Express wallet
Fields to fill	Name, email, card, expiry, CVC	None, or email if requested
Typical buyer	Desktop, high-ticket program	Phone, from an ad or a webinar
Authentication	Card details, sometimes 3D Secure	Face ID, fingerprint or device PIN
Email for access	Typed by the buyer	Only if your checkout requests it5

9% of US shoppers who abandoned a checkout said there were too few payment methods (Baymard, September 2025)2. For a low-ticket offer sold on social media, the wallet is often the payment method that buyer expects.

Fig. 1The same course checkout, with and without a wallet

Card form

CheckoutOrder summary, plan terms
typesCard formCard details, sometimes 3D Secure

Name, email, card, expiry, CVC typed by the buyer

Apple Pay or Google Pay on top

CheckoutOrder summary, plan terms above the buttons
tapsWallet sheetFace ID, fingerprint or device PINApproved

No fields, or email if requested

The wallet removes the card typing; the email has to be requested.

Illustrative example. Comparison from the table above.

Which wallets your course platform supports

Course platforms add wallets only through their own payment processing. Check before you choose a plan.

Setup	Apple Pay and Google Pay	Limits (as of November 2, 2026)
Kajabi	Only with Kajabi Payments3	One-time, subscription and payment plan offers, plus bumps and upsells; buyers "will not see both Apple Pay and Google Pay … on the same checkout page"3
Teachable	On Teachable's native payment gateways4	Not available with other gateways4
Your own checkout	Through your card processor	You choose the wallets, the email request and the renewal setup

Each button appears only on a device where the buyer has set up that wallet3. If Apple Pay doesn't show during your test, check the device before the settings.

Get the email, or you can't deliver the course

A physical order needs an address. A course needs an email: it is where the login, the access link and the receipt go.

Request the email in the wallet sheet
Stripe's Express Checkout Element has an emailRequired option because wallets "don't share the customer's email by default"5.
Ask for the name too
So the student profile matches the cardholder.
Skip the shipping address
Unless you ship a printed workbook.
Create the account after payment
And send the access link at once.

Watch out

The email also counts in a fraud dispute. For digital goods, Visa accepts the buyer's "name and email address linked to the customer profile held by the Merchant" as one of the items of Compelling Evidence9. A wallet order without an email loses that item.

Memberships and payment plans on wallet orders

A one-time course charge on a wallet is simple. A membership or a payment plan is charged later, by you, on the token the wallet gave you.

Check	Why	What to ask
Merchant token (Apple Pay)	By default Apple Pay gives a device token; "if a customer replaces their device or removes the card from it, the DPAN might no longer work"6	Does my checkout request a merchant token (MPAN) for subscriptions?
Plan agreement	Visa requires a separate agreement with the schedule and total before the card is stored9	Is the agreement shown and accepted before the wallet sheet opens?
Renewal terms	ROSCA requires material terms before billing details are taken8	Are price, frequency and how to cancel above the buttons?
One-click upsell	The upsell charges the same payment method	Does my upsell step work on wallet orders?
Order bump	Shown before payment	Can the buyer see it when they tap the wallet first?

Fig. 2Five checks before wallets carry renewals

Merchant token (Apple Pay)If a customer replaces their device or removes the card from it, the device token might no longer work.Does my checkout request a merchant token (MPAN) for subscriptions?
Plan agreementVisa requires a separate agreement with the schedule and total before the card is stored.Is the agreement shown and accepted before the wallet sheet opens?
Renewal termsROSCA requires material terms before billing details are taken.Are price, frequency and how to cancel above the buttons?
One-click upsellThe upsell charges the same payment method.Does my upsell step work on wallet orders?
Order bumpShown before payment.Can the buyer see it when they tap the wallet first?

Stripe Docs, Apple Pay merchant tokens; Visa Core Rules, table 5-19; 15 U.S.C. § 8403.

Renewals in detail: subscription billing for info product businesses.

Selling inside an iPhone app

If your course lives in an iOS app, Apple's rules come before your checkout. Under guideline 3.1.1, to unlock "access to premium content" or subscriptions inside the app, "you must use in-app purchase"7.

Web checkout first: Apple Pay on your own site is a normal card payment through your processor.
US storefront: Apple allows "buttons, external links, or other calls to action" to purchases outside the app7.
Other countries: those links are restricted; check the current guidelines before you add them.

Fig. 3Where the buyer pays decides the rules

Your courseSold on the web or inside an iPhone app?

Web checkoutApple Pay on your own site is a normal card payment
Inside the appPremium content or subscriptions: in-app purchase
US storefrontLinks to purchases outside the app allowed
Other countriesLinks restricted: check the current guidelines

Apple, App Store Review Guidelines, 3.1.1 and 3.1.1(a).

Placement and measurement

Top of the checkout, above the card form, with the order summary visible.
Terms of the plan or membership above the buttons, not below them.
Card form still visible for buyers without a wallet, often on desktop.

Metric	Formula	Read it by
Wallet share	Wallet orders ÷ orders	Device and traffic source
Checkout completion	Orders ÷ checkouts started	Before vs. after adding wallets
Wallet orders without email	Orders missing email ÷ wallet orders	Should be zero
Failed renewals on wallet orders	Failed ÷ wallet renewals	Compare with card renewals

Test wallets against a card-only checkout on your own traffic: A/B testing for info product businesses.

How Tagada helps

Wallets, bumps and upsells on one course checkout

"If you sell something real, we will get you paid." TagadaPay lists info products, coaching and online courses among its industries, with "enhanced review for regulated verticals." "Most merchants are live under 24 hours."10

One-page checkout with Apple Pay and Google Pay
Order bumps before payment and one-click upsells after it
Subscriptions and memberships with trials, billing cycles and retries
Routing across TagadaPay and processors such as Stripe, NMI and Airwallex, with one logic, and cascade to another processor when one is down or times out. TagadaPay reports a "+18% approval uplift"10
Your vault: "Your PCI-tokenized cards, your customer profiles, your subscription data, all portable."

It runs standalone, on Shopify, on WooCommerce or headless. Plans are on the pricing page.

Apply today · Go live in under 24 hours

Tagada follows Visa and Mastercard rules and the laws that apply to payments.

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Wallets, bumps and upsells on one course checkout

Updated on November 2, 2026

Nick Bonnassies

CMO at Tagada

CMO at Tagada. Before Tagada, Nick built direct-to-consumer brands that generated over $115M in sales, raised over $25M in crowdfunding and sold two of them. He also works as a fractional CMO on marketing operations and AI systems.

Frequently asked questions

Can I accept Apple Pay for an online course?

Yes. On your own site, Apple Pay is a card payment through your processor. On course platforms it depends on the payment setup: Kajabi offers it only with Kajabi Payments, Teachable only on its native gateways. The button shows only on devices where the buyer has set up Apple Pay.

Why doesn't Apple Pay show on my course checkout?

Most often the device: Apple Pay appears only on a supported Apple device with a card set up, and Google Pay only with a Google account that has it. Then check that your payment setup supports wallets and that the domain is registered with your processor.

Does Apple Pay work for memberships and payment plans?

It can. On Kajabi, wallets cover subscription and payment plan offers. On your own checkout, ask for an Apple Pay merchant token: the default device token "might no longer work" when the buyer replaces the device, which shows up as failed renewals months later.

Do I need Apple in-app purchase to sell my course?

Only inside an iOS app. Guideline 3.1.1 requires in-app purchase to unlock premium content or subscriptions in the app. Selling on your website with Apple Pay is not in-app purchase. In the US storefront, apps may link to purchases outside the app.

Sources

Checked November 2, 2026

Tagada

Put Apple Pay above the card form, and still get the email

Funnels, one-click upsells, subscription billing and payment routing, on one customer record.

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