Understanding Payment Processing: The Backbone of Secure Online Transactions

Stages of a Secure Online Payment Transaction

Every online payment involves a series of stages working behind the scenes. Each step is critical to ensuring the transaction is secure, authorized, and completed correctly. Let’s break down the key payment transaction stages one by one:

➡️ Payment Request

This is the moment the customer initiates a payment. For example, clicking the “Pay” button on a checkout page sends a request from the e-commerce site to begin the transaction. At this stage, the order details (amount, currency, merchant ID, etc.) are bundled and prepared for payment processing. It’s critical that this request is properly formatted and securely transmitted—any errors here can halt the purchase or expose sensitive data. Security measures (like encryption) kick in immediately at the request stage, ensuring the customer’s payment information is protected from the start.

➡️ Data Transfer

Once the request is initiated, the payment details are transferred through the payment gateway or processor to the relevant financial networks. Think of this as the digital transit of your payment information. The data (card number, transaction amount, etc.) travels from the merchant’s website to the payment processor and often onward to card networks (like Visa/Mastercard) and banks. Secure transfer protocols and encryption are vital here to prevent interception. This step is critical for speed and security—a fast, encrypted transfer ensures the transaction can proceed without exposing data to hackers or unnecessary delays.

➡️ Payment Authorization

Authorization is the step where the customer’s bank (the card issuer, in card transactions) checks the request and decides whether the payment can go through. The issuer verifies that the card is valid, the account has sufficient funds or credit available, and that nothing about the transaction triggers a red flag. If everything checks out, the issuer approves (authorizes) the transaction and places a hold for the amount on the customer’s account. Authorization is crucial because it’s the bank essentially saying, “The funds are there and have been set aside for this purchase.” A declined authorization (due to insufficient funds or suspicion of fraud) will stop the transaction in its tracks, protecting the merchant from potential non-payment and the customer from potential misuse.

➡️ Payment Method Selection

Before or during the payment request, the selection stage occurs on the customer’s end—this is where the customer chooses their payment method. It might happen a bit earlier in the user interface (for example, selecting between credit card, digital wallet, or bank transfer at checkout). This stage is still worth noting in the overall process: the user’s choice determines what kind of payment workflow follows. If a customer selects a credit card, the process will involve card networks and bank authorization. If they select a direct bank transfer or e-wallet, the path might differ. Ensuring the payment selection step is clear and user-friendly is key to avoiding user error. From a security standpoint, the selection step often triggers different secure flows (for instance, choosing a card might prompt the site to ask for card details and then invoke security checks like CVV and maybe 3D Secure authentication).

➡️ Identification

In this context, identification means identifying the account and the payer’s details as the transaction moves forward. For a card payment, this could involve capturing the card details (card number, expiry date, and CVV) and identifying the issuing bank and card network from those details. It may also involve device or customer identification measures—for instance, if the transaction is happening in a known customer account or device, the system notes that. This step is critical because the system must correctly recognize who is paying and which account to charge. Mistaken identity (charging the wrong account or an incorrectly entered card number) can lead to failed payments or security issues. Modern payment systems use tools like BIN identification (the first digits of a card number that identify the bank and card type) and even geolocation or device ID to help confirm that the transaction details make sense before proceeding.

➡️ Authentication

Payment authentication is about verifying that the person making the transaction is indeed the legitimate owner of the payment method. After identifying the card or account, the system may prompt for authentication. A common example is the 3D Secure process for card payments, where the customer is redirected to their bank’s verification page or app to enter a one-time password or use biometrics to confirm their identity. Authentication might also involve simpler checks like entering a CVV code or billing ZIP code for a card, which the bank checks against its records. In any case, this step adds a layer of security—it’s a checkpoint to prevent fraud by ensuring the payer is who they claim to be. Strong Customer Authentication (SCA) rules in regions like Europe (under PSD2 regulations) make this step mandatory for many online payments, requiring two-factor authentication to reduce fraud. While authentication adds a bit of friction to the checkout, it dramatically increases security by blocking unauthorized use of payment details.

➡️ Payment Confirmation

Once authorization is approved (and authentication passed, if required), the transaction moves to confirmation. This has two facets

• • Customer-facing confirmation: The buyer sees a confirmation message or receipt on the website/app, indicating that their payment was successful and the order is confirmed. This usually happens within seconds of authorization.
  • Merchant-side confirmation: The merchant’s system receives a confirmation from the payment processor that the payment is authorized. At this point, the merchant can safely proceed to fulfill the order (e.g., ship the goods or provide the service) knowing that payment has been secured (at least authorized).

➡️ Confirmation

It is a critical user experience moment—a clear confirmation builds customer confidence that their order went through. It’s also a point where secure record-keeping kicks in: the transaction details are logged in databases and order management systems. From a security standpoint, the confirmation step is where all parties lock in the acknowledgment of the transaction, creating an audit trail. Additionally, if a transaction fails or is declined, the system will instead send a failure message, and no confirmation is given – which cues the user to try a different method or correct information.

➡️ Legal Compliance Checks

Throughout the payment process, and especially once a transaction is confirmed, various legal and compliance measures are at play. Merchants and payment processors must adhere to financial regulations and industry standards. For example, PCI DSS standards govern how card data is handled and stored, data protection laws like GDPR dictate how customer information is safeguarded, and anti-money laundering (AML) and Know Your Customer (KYC) regulations may require verifying customer identities for certain transactions or volumes. This “legal” stage isn’t a single moment but an ongoing layer that ensures the transaction complies with all applicable laws and rules. A secure payment system will automatically encrypt and tokenize sensitive data to comply with privacy laws, log the transaction for financial reporting, apply any required taxes, and ensure all actions taken align with the legal obligations in the merchant’s and customer’s jurisdictions. Compliance is critical not just to avoid fines, but to protect the business and customers – a failure in legal compliance (like a data breach from not following security standards) can destroy customer trust and incur heavy penalties.

➡️ Fraud Screening

Parallel to the authorization and authentication steps, robust fraud checks are typically running to analyze the transaction for any signs of suspicious activity. Payment systems often use fraud detection engines that score or evaluate the transaction in real time—checking things like the customer’s IP address, shipping address mismatch, unusually large orders, or a pattern of repeated transactions in a short time. If something looks off, the system might flag the transaction for manual review or even reject it outright. Some fraud checks happen before authorization (to decide whether to even send it to the bank), and some happen just after authorization but before final confirmation (allowing the merchant to cancel or investigate if needed). This fraud prevention stage is vital to secure online payments. It adds a safety net that catches what authentication alone might miss—for instance, if a fraudster somehow passed the authentication (maybe they stole the OTP too), an intelligent fraud system might still catch an anomaly (like the delivery address being in a high-risk region or a device ID that has been linked to fraud previously). By incorporating fraud screening, merchants protect themselves against chargebacks and losses, and honest customers are protected from having their accounts misused.

➡️ Insurance/Risk Mitigation

The inclusion of insurance in the payment stages refers to the risk mitigation measures and guarantees that protect either the merchant or the consumer in case something goes wrong. This isn’t an “insurance policy” in the traditional sense, but rather mechanisms like chargeback insurance, fraud liability shifts, or purchase protection. For example, certain payment methods offer the buyer protection (if goods are not delivered, they can be refunded), and merchants might have chargeback protection services that insure them against certain fraud losses. Also, many credit cards come with built-in purchase protection or extended warranties (a form of insurance for the buyer). In the payment processing flow, “insurance” is about managing risk. Secure online transactions often involve agreements on who bears the risk of fraud or non-payment. A simple example: when a transaction is authenticated with 3D Secure (the customer entered their password or OTP), the liability for fraud shifts to the issuer bank, meaning the merchant is “insured” against that fraud by the process (the bank will cover it if it later turns out to be unauthorized). Some advanced payment providers offer guaranteed payment or fraud indemnification for a fee—essentially insurance services. For merchants scaling up, it’s important to understand what protections are in place for each payment method. While not a step the customer sees, having this safety net is critical to secure online payments because it gives all parties confidence to transact. It ensures that if fraud or disputes happen, there’s a process (and often financial reserve or insurance) to handle it, rather than leaving either party completely high and dry.

➡️ Settlement

Settlement is the final stage where the funds actually move from the customer’s bank to the merchant’s bank account. When a payment is authorized (step 3), the money isn’t actually taken out of the customer’s account yet – it’s just reserved. In the settlement stage, the transaction is submitted for clearing, and the money transfers through the banking networks to end up in the merchant’s account. Depending on the payment method, this can happen within seconds, or it might be batched and processed later. For example, card transactions are often settled in batches at the end of the day or on a scheduled cycle—the merchant’s acquirer requests the funds from the issuer, and the card network facilitates the transfer to the acquirer, which then credits the merchant’s account. With modern systems (and methods like real-time bank payments), settlement can be almost instantaneous, but with some traditional methods, it can take a day or two. Settlement is critical because that’s when the merchant actually gets paid. From a security and reliability perspective, this stage includes reconciliation—the merchant’s systems reconcile the incoming funds with the sales, ensuring everything matches and any discrepancies are flagged. Secure settlement processes also ensure that the funds go through proper anti-fraud and anti-money-laundering checks as needed before the final deposit. In short, settlement is the finish line of the payment process—the customer sees the charge on their statement, and the merchant sees the money in their account.

Each of these stages plays a role in making online payments secure and seamless. A breakdown in any step – whether a technical error in the data transfer, a missing authentication prompt, or a lax fraud check—can turn a successful sale into a failed transaction or a fraud incident. That’s why businesses and payment providers invest heavily in fortifying each link of this chain. Next, let’s put these stages into context with a real-world example to see how they work together in practice.

A Real-World Example: Online Card Payment in Action

To illustrate the above stages, let’s walk through a real-world example of an online card payment during an e-commerce checkout. Imagine a customer, Alice, is buying a new pair of headphones from an online electronics store. Here’s how the payment process plays out:

✔️ Selection & Request

Alice adds the headphones to her cart and proceeds to checkout. The site offers several payment options, and Alice chooses to pay by credit card (Selection). She enters her card details on the checkout form – the site is secure and shows a padlock icon, indicating that her data will be encrypted. When Alice clicks “Pay $100”, the website creates a payment request with the order details and her card information and sends it securely to the store’s payment gateway.

✔️ Data Transfer

The payment gateway receives the request and transfers the transaction data to the appropriate payment processor. In this case, it detects Alice’s card is a Visa, so it routes the info through the Visa network to reach Alice’s bank (the card issuer). All this happens within a second or two, behind the scenes. Alice just sees a “Processing…” spinner on her checkout page for a brief moment.

✔️ Identification & Authentication

As the data is transferred, the systems identify the card and Alice as the cardholder. Alice’s bank recognises her card number and sees that this transaction is coming through Visa from that particular merchant. Because the amount is somewhat high and this is an online purchase, the bank decides to prompt for authentication to be sure it’s Alice using the card. Alice’s bank has enabled 3D Secure verification, so a small popup or redirect appears asking Alice to enter the one-time passcode just sent to her phone. Alice enters the code, proving to the bank that she is indeed authorising this purchase (authentication step completed). Meanwhile, the payment processor and bank are also doing some behind-the-scenes fraud checks – the transaction is coming from Alice’s usual city, and the purchase isn’t wildly out of her normal spending pattern, so nothing looks suspicious so far (fraud screening in action).

✔️ Authorisation

Now that Alice has authenticated, her bank checks if she has enough credit available for $100 and whether the card is in good standing. Everything is fine, so the bank sends an authorisation approval back through the network: essentially a message that says “Approved” along with an authorisation code. At this point, $100 of Alice’s credit limit is set aside for this purchase. The merchant’s payment processor receives this approval and knows it’s good to proceed.

✔️ Confirmation

Within seconds of Alice submitting her payment, the online store receives confirmation that the payment is authorized and successful. Alice’s screen refreshes to a confirmation page: “Thank you for your purchase! Your order is confirmed.” She might also get an email receipt. This confirmation tells Alice that the order is complete and tells the merchant that they can go ahead and ship the headphones. The order system marks the transaction as paid. Alice is happy to see everything went through smoothly.

✔️ Post-Confirmation (Legal, Fraud, Insurance)

After the immediate confirmation, the merchant’s system and payment partners handle the rest in the background. The transaction details are logged and stored securely, following legal compliance rules like PCI DSS (the card number isn’t stored in full anywhere, only a token or last4 digits, protecting Alice’s data). The merchant’s fraud system will record this transaction and perhaps even feed it into machine learning models to refine future fraud detection. If something had been odd (say an AVS mismatch on the address), it might flag for a staff member to review – but in our case, all is well. Also, because Alice went through the bank’s authentication, the merchant knows they benefit from liability shift – if this later turned out to be a fraudulent use of Alice’s card, the merchant likely wouldn’t bear the loss (this is part of the insurance/risk mitigation aspect of the process). All these protective measures ensure that the transaction is not only approved but also compliant and backed by proper safeguards.

✔️ Settlement

At the end of the day (or the next business day), the settlement process kicks in. The electronics store, via their payment provider, submits the day’s authorised transactions for clearing. The $100 charge to Alice’s card is finalised: her bank transfers the funds through the card network to the merchant’s acquiring bank, which then deposits the money into the store’s account (minus any payment processing fees). A day later, Alice sees the $100 charge posted on her credit card statement, and the merchant sees the sale in their bank account. The transaction is now fully settled and complete.

💡 This example shows how all the pieces come together in a typical card payment. From Alice’s perspective, it was straightforward: enter card details, maybe verify via code, and get confirmation. But underneath, multiple systems cooperated to identify, authenticate, authorize, and finalize the payment in a secure manner. Each step – from the encryption of Alice’s card info to the fraud checks by the bank and merchant – contributed to a safe and successful purchase. For online businesses, getting this workflow right is vital; it needs to be fast and convenient for the customer, but also airtight in terms of security and reliability.

Secure Payments as a Pillar of Trust and Conversion

For merchants, providing a secure payment experience isn’t just about avoiding fraud – it’s also about winning customer trust and maximising sales. In e-commerce, trust is everything. Shoppers need to feel confident that their sensitive information (like credit card numbers or bank details) is safe and that they will receive what they paid for without issues. When payment processes are seamless and secure, customers are more likely to complete their purchases and even return for future business.

👉 Customer Trust

A secure checkout experience signals to customers that the merchant is trustworthy. Visible cues like SSL padlocks, badges for payment security standards, or just the smooth flow of a recognised payment authentication (such as being redirected to their bank’s secure confirmation page) all reassure the buyer. On the other hand, any hiccup – an error message, a suspicious redirect, or a request for information that seems unusual – can plant seeds of doubt. Studies have shown that consumer mistrust is on the rise, and delivering a reassuring, security-first payment experience is key to countering that. Simply put, if a customer trusts that their payment will be handled safely, they’re far more likely to hit “Pay” and not abandon their cart out of fear.

👉 Conversion Rates

There is a direct link between payment experience and conversion rates (the percentage of shoppers who actually complete checkout). A frictionless and fast payment process leads to higher conversion. For example, research indicates that optimised payment processes can boost conversion rates by 10-15%. Conversely, slow or clunky payment experiences drive customers away – around 70% of users expect online payments to be processed in under 2 seconds, and delays can reduce conversions by up to 20%. That means if your payment gateway takes too long to respond, or the customer has to wait and wonder if their order went through, you could lose up to one in five potential orders due to impatience or uncertainty. Speed and security go hand in hand here: a fast checkout is great, but not if it sacrifices security (a fraud problem will hurt conversion long-term as customers lose trust). The goal is a balance where security measures are in place but streamlined (like efficient authentication flows) so that legitimate customers zoom through checkout.

👉 Reduced Cart Abandonment

Cart abandonment is a big concern in e-commerce. While people abandon carts for many reasons (high shipping costs, just browsing, etc.), a significant portion leave because of payment-related issues. A common issue is when shoppers don’t see their preferred payment method offered – in fact, about 11% of shoppers have abandoned a purchase because they couldn’t use their preferred payment option. Additionally, 13% abandon carts simply because the store didn’t offer enough payment methods to choose from. This shows how important it is to provide the right mix of payment options (more on that in the next section). It also highlights that trust and comfort drive conversion: if a customer only trusts, say, a particular digital wallet or their local payment app to pay online, not seeing it at checkout might make them give up on the purchase. On the flip side, offering that trusted method can win the sale. Similarly, a lack of visible security (no trust badges, or a payment form that looks outdated or unsecure) can scare off customers at the final step. Modern consumers are quite savvy – many will not proceed if something feels phishy.

👉 Brand Reputation and Loyalty

A secure payment experience also feeds into long-term customer loyalty. When people make a purchase and everything goes smoothly – their payment was processed without a hitch, they got what they needed, and they never had to worry about fraud – it builds confidence in the brand. Over time, these positive experiences compound, and the merchant becomes known as a safe place to shop. This can be a differentiator in crowded markets. On the contrary, one high-profile security incident (like a data breach or a flood of fraudulent charges traced back to a site) can severely damage a brand’s reputation. News of such incidents travels fast and erodes trust, even among customers who weren’t directly affected. That’s why investing in secure payments is not just an IT issue but a core business strategy. It’s about protecting the relationship with customers.

In surveys, 62% of consumers said they are more likely to stay loyal to a brand when they experience smooth, hassle-free payments. That’s a majority of customers who equate a painless payment process with a brand worthy of their repeat business.

In summary, secure payment processing isn’t just plumbing – it’s a critical part of the customer experience. It builds trust, which in turn increases the likelihood of purchase and repeat visits. For merchants, the takeaway is clear: make payments secure, fast, and easy. Doing so not only protects your business from fraud and compliance issues, but directly drives more sales and fosters loyalty. The next challenge then is offering the right payment methods to cater to customer preferences, which we’ll explore now.

Different Payment Types: Why Local Preferences Matter More Than Quantity

There’s an ever-growing list of payment methods consumers might use – from traditional credit cards to bank transfers, e-wallets, QR code payments, peer-to-peer apps, mobile money, and more. It’s tempting for an online merchant to try offering “everything” to cover all bases. However, an expert perspective (and lots of merchant experience) shows that offering too many irrelevant payment options can overwhelm customers and complicate operations. The smarter approach is to offer a diverse but curated set of payment methods, focusing on the local preferences in each market you serve.

Let’s briefly break down some major categories of payment types and why they matter:

▸ Bank Transfers (Including Account-to-Account/A2A Payments)

This is a direct payment from the customer’s bank account to the merchant’s account. In some regions, especially Europe, bank transfers are a very popular online payment method – often facilitated by online banking systems or newer open banking APIs. A2A payments (account-to-account) are essentially bank transfers that often happen in real time, bypassing card networks. For example, many European customers use instant bank payment options that redirect them to their online banking to approve a payment, which then moves funds straight from their account to the merchant. These methods are valued for their security and low cost (no card fees) and are highly preferred in certain countries. (In fact, in countries like the Netherlands, a bank transfer-based method accounts for roughly three-quarters of all online transactions, far outpacing credit cards.) If you’re selling in a market where direct bank payments are the norm, supporting these methods is essential. On the other hand, offering a bank transfer option in a country where nobody uses it for e-commerce might just confuse shoppers.

▸ Digital Wallets and Mobile Payments

Digital wallets have exploded in usage globally. These include well-known mobile wallets and payment services where customers store a balance or link their cards/bank accounts – and then pay with an email/phone number or just by logging in. Examples (without naming brands) include mobile OS-based wallets, online payment accounts, or “super-app” wallets. By 2025, digital wallets are projected to account for more than half of global e-commerce payments, highlighting how many consumers find wallets to be a convenient and secure way to pay. Wallets often offer fast checkout (no need to enter card details each time) and added security (tokenized transactions, biometric access). Mobile payments – using your phone to authorise or send payment – overlap with wallets and also include things like carrier billing or mobile money accounts popular in some regions (for example, parts of Africa and Southeast Asia have mobile wallet adoption growing over 30% annually). The key for merchants is to offer the wallets that locals prefer. In one country, nearly everyone might use Wallet X, while next door Wallet Y is dominant. It’s better to integrate the top one or two wallets per region than to clutter your checkout with ten different wallet options. Customers usually only use one or two regularly, and showing a huge list can be counterproductive.

▸ Credit and Debit Cards

Cards are the classic online payment method worldwide and still extremely important. They provide universal access – anyone with a major credit or debit card can in theory pay on any website that accepts them. Globally, cards still make up a large share of online transactions (around 54% of e-commerce transactions in 2023 were via credit/debit cards). So virtually every e-commerce merchant will accept cards. That said, the dominance of cards is slowly eroding in some markets due to the rise of wallets and bank payments. It’s wise to always support cards, but also watch the trends. For instance, younger consumers might prefer linking their card to a digital wallet and paying through the wallet for extra convenience. Also, note that in some countries, local card networks or formats exist (not exactly brands to mention, but for example some countries have domestic debit card systems that might need special support). Generally, supporting international card networks covers a lot of ground. Just ensure that if you operate in a country with a strong local card scheme or requirement (like domestic debit cards), you have that covered too.

▸ QR Code Payments

QR code payments have gained traction, especially in Asia, as a convenient way to pay using a smartphone. The way it works: the merchant displays a QR code at checkout (online this could be an on-screen code), the customer scans it with their banking or wallet app, which then completes the payment. It’s essentially another form of an account-to-account transfer or wallet payment, but initiated via QR scan. The beauty of QR payments is that they can be very fast and don’t require entering any card or account details on the merchant site – the transfer happens through the user’s trusted app. While QR payments for online purchases aren’t ubiquitous globally, they are extremely popular in certain regions and demographics (for example, many consumers in parts of Asia prefer scanning a QR for payment using their super-app). If you are serving customers who expect this (e.g., targeting tourists or cross-border shoppers who use it at home), it can be a great option. If not, it might be overkill.

▸ Peer-to-Peer (P2P) Payment Apps

P2P apps are those originally designed for friends sending money to each other, but some have extended into e-commerce checkouts. They’re similar to wallets but often tied to social or bank accounts directly. For instance, some markets have popular apps where a user can pay merchants via the same app they use to pay their friends. The appeal is convenience – people keep money in these apps and like using their balance. For merchants, accepting a popular P2P payment can open up sales to customers who prefer not to use cards at all. These tend to be country-specific (each country has its favourite P2P app). If analytics show a large portion of your audience coming from a certain app or if local competitors are offering it, you should consider it. But again, if it’s not popular among your customer base, it can be left out to avoid confusion.

▸ Mobile Money & Carrier Billing

In some regions, especially where traditional banking isn’t as widespread, mobile money accounts (operated by telecom companies or fintechs) are common. Customers have a mobile wallet tied to their phone number. They can pay online by entering their mobile number and a PIN or via direct carrier billing (the charge goes to their phone bill). These methods are very region-specific – for example, in parts of Africa, mobile money is a primary way many people transact online, whereas in Europe or North America it’s rare. If you’re operating in emerging markets or places where a significant chunk of consumers use mobile money, it’s worth integrating those methods. Carrier billing can also be useful for digital goods/microtransactions globally (though fees can be high). The rule stands: know your market.

Quality Over Quantity

The overarching principle in offering payment methods is quality over quantity. It’s better to offer, say, 3-5 payment options that cover the preferences of 95% of your customers than to throw 15 options at them where half are rarely used. Too many choices can actually lead to decision paralysis or mistrust (“Why are there so many weird payment logos I’ve never heard of?”). A cluttered payment page might make the user hesitate, worried about picking the “wrong” option. Focus on the most relevant methods: usually one or two major card networks, the top one or two alternative methods (local bank pay or popular wallets), and perhaps one more if there’s a significant niche. For example, a European merchant might accept cards, one major digital wallet, and one local bank transfer method for their country – that would cover the vast majority of customers. Indeed, offering the right local methods can significantly increase conversion. By catering to local preferences, you speak the customer’s language in payments, which makes them comfortable. Merchants expanding internationally often learn that each country has its own payment culture – adapting to that is crucial.

At the same time, don’t offer a method that no one requested or uses just because it exists. It adds maintenance overhead and could confuse users. Remember, each additional payment integration needs to be maintained, updated, and monitored for security. It’s not free – there’s technical complexity in having many options. One payment expert mantra is “be present where your customers are, but don’t make them wade through noise to find it.” In practice, this means do your research for each market: if mobile wallets are surging in popularity (as globally wallets are trending upward), make sure to have the key ones. If bank payments are trusted more in a certain region (like much of Europe), include those. If in doubt, analytics and surveys can guide what people want to use on your site.

Finally, it’s worth noting that offering the preferred payment options also ties back to trust. When a customer sees their favorite method available, it gives a sense of familiarity and confidence. For instance, a customer might think, “I use this digital wallet all the time, so I trust paying with it here.” Or, “This site lets me pay via my local bank app – they really cater to customers like me.” Those feelings directly translate to a higher likelihood of completing the purchase. The flip side (not seeing a trusted option) could make them doubt if the site is really geared towards serving them.

In summary, diversify your payment methods strategically. Cover the main ways your target customers like to pay, especially local favourites, but avoid the trap of “too many options”. It will keep your checkout simple, fast, and effective — exactly what customers and your bottom line want.

Frequently Asked Question