Skip navigation
All Places > In the News > Blog > Authors daniperea
1 2 Previous Next

In the News

26 Posts authored by: daniperea

 

Worldpay's 2018 Global Payments Report offers a comprehensive overview of the ways global consumers pay, from Argentina to Vietnam and everywhere in between. We took a look at 4 high potential emerging eCommerce markets in the 2018 report: India, China, Russia, and Brazil.

 

Worldpay ONE took a look at 4 emerging eCommerce markets: India, China, Russia, and Brazil to provide takeaways for developers looking to take their eCommerce business global. We looked at alternative payments and eWallets, cross-border eCommerce, and changing trends in the largest consumer markets (China and India are growing quickly).

 

Are you ready to expand your eCommerce business into new markets? Discover what tech trends and tech regulations you need to stay on top of with the Worldpay ONE Global Developer Insights report

Our top question (with over 1,000 views!) of the month comes from eegorov on sending a TransactionQuery request: 

 

Check out Evgeniy's question and our answer here. 

 

 

If you ask or answer a question that helps our community members, you're automatically entered into a monthly contest for a $25 Amazon gift card! 

5 Critical Payment Integrations Questions for Your Dev Team

 

Payments were once a standalone process that signaled the end to a sale of a product or service. Today, global payments are an integral part of a customer experience and involve more interactions and transaction opportunities.

 

In this new payments world, traditional web, mobile, and storefront environments are converging. Many payment gateway options have appeared. At the same time, there are growing security concerns.

 

Payment integration has provided a way to bring a wide range of tools together to address these trends and challenges. However, it is not as simple as developing and launching a payment integration platform. Planning involves leveraging payment API options, creating secure and scalable payment processing integrations, and launching to add merchants for payment facilitators.

 

To plan and launch a payment integration solution, there are some critical questions to ask developers. In part one of this two-part series, we tackle five of these payment integration questions.

 

1) How long will a payment integration solution take to develop before we can start onboarding merchants? 

 

Development and launch timing depend on many factors. These include company needs, integrationmodel, availability of a POS, and certification competition. Also, it's important to have proper coding and testing resources.

 

These steps include kickoff followed by development, testing, and certification. Then, it's pre-production, production go-live, and processing go-live.

 

The ability to accelerate merchant onboarding also depends on the development team’s availability and support. Find out what empowers developers to complete these steps.

 

Working with Worldpay can connect developers with a comprehensive set of automated onboarding tools.

 

2) How will you secure cardholder data throughout payment processing?

 

Data security is one of the most pressing issues facing the global payments industry.

 

Since cardholder data is such a tempting and vulnerable target for fraudsters, high-profile security breaches continue at a rampant pace with the liability resting on the shoulders of the company experiencing the breach. 

 

Ask your development team about their experience with security compliance. Find out how they can ensure that information is safe.

 

Worldpay can help tokenize and anonymize data to strengthen your security efforts. Worldpay implementation specialists can also tell you what the https://www.worldpay.com/uk/pci-dss-overview mean for your company.

 

Yet, every company handles data according to applicable regulations as well as to their processes for returns, subscription sign-ups, and similar situations that involve cardholder data.

 

That’s where developers can describe how your company handles those processes so Worldpay can recommend the most appropriate solution to minimize cardholder data risk. 

 

3) Does the payment solution provider’s technology integrate with what we plan to do? If not, how can we use a payment API to achieve payment integration?

 

This is a question where developers will need to be visionary in their responses. That’s because what you plan to do as a company involves the near and distant future. In return, this leads to a more complex environment for payment integration.

 

When asking developers, it's important to find out if the payment solution provider’s technology will scale with the business.

 

This inquiry may lead to other questions like, “Do we want to enable shopping online with in-store pick-up to address the current on-demand trend consumers expect?”

 

Or, do we plan to open more locations that need more payment gateway and security features?

 

It's a lot to consider, especially when trends and expectations are always shifting. That’s when you and the developer team must look outward at trending technology for retail payments and fulfillment.

 

In exploring these trends together and using the developers' insights, you and your payment solution provider can address these changing trends within your current and future payment integration processes.

 

4) Are there tools and resources available if payment integration process issues appear?

 

Your development team has extensive knowledge, experience, and skill. However, even with such talent, they may still need to tap external expertise if they are stuck with the payment integration development process.

 

They will need access to support, tools, and resources should they get stuck with some aspect of the payment integration process now or in the future. This is where developers will need to explain what type of specialized support would help.

 

Knowing what they need in terms of external support enables you to find the right payment integration partner. For example, developers can enjoy 24/7 access  to Worldpay integration specialists and support forums.

 

Documentation and features like searchable/code samples are useful when there is a question. Or, it may help to tap into Worldpay’s Point of sale for XML, JSON, and HTML as well as connect to a knowledge base.

 

5) Are there available payment processing and security features to include as we scale our business? 

 

 

While stakeholder and business leadership define requirements, developers can enable the experience as well as support the plan and vision. Developers also can explain how extra functionality may affect integration performance.

 

You’ll be able to get a better sense of what features could create an enhanced customer experience by turning to the development team. For example, some companies need credit card terminals to accept payments by mail or telephone. Others might seek features that account for gratuities and enable pre-authorizations.

 

Another company may want to know how to better leverage available cardholder data for new insights to drive personalization. Reports and analytics offer a way to identify shopping conversion paths. It can also tell you where buyers are coming from and what type of payment they are using. 

 

Open Communication Equates to Greater Payment Integration Success

 

Ask the integration team, listen to their answers, and direct your payment integration strategy toward their recommendations.

 

Having an open communication process between the technical and strategic components of your company will increase the chances of successful development and implementation now and in the future.

Our top question of the month comes from ptaysavang regarding the SecureNet API being retired. 

 

Check out his question and our answer here

 

 

If you ask or answer a question that helps our community members, you're automatically entered into a contest for a $25 Amazon gift card! 

Next week, Money20/20 is putting on the best Fintech hackathon in the world, and Worldpay is sending 5 of our own to compete. The challenge: to design solutions for a simpler, fairer, and more inclusive financial system for businesses and society as a whole. 

 

The team will be competing for $100k in cash prizes as well as for fame and glory.

 

Meet our team: 

 

The Worldpay ONE Money20/20 Hackathon team

 

(From left to right) 

 

Arjun Balaji, Worldpay Senior Software Engineer, and Francophile

 

Specialty: Clean coding enthusiast

 

What are you looking forward to at the Hackathon? 

I'm looking forward to the exciting discussions and all the crazy ideas that come out of it.  

 

What is your favorite thing in the world right now? 

I'm trying to learn French, so most things French. 

 

Andrew Harris, Worldpay Senior Product Marketing Manager and flaky pastry fanatic

 

Specialty: the developer experience

 

What are you looking forward to at the Hackathon? 

This is THE hackathon for finTech and payments - My fifth year participating at some capacity and I really get stoked watching the finalist on stage present their ideas at the end of the event with little to no sleep. The passion and technical talent wafts though the air and energizes me, making me realize payments is far for boring. I guess that is what I look forward to the most from this event, oh and I can’t wait to get a pastry for Paris Baguette in The Venetian. 

 

What is your favorite thing in the world right now? 

My favorite tech thing in the world right now are chatbots. I know, most consider them wack but I think bots will turn the virtual corner and be in the face of all of us before we know it. I remember a time when people didn’t like Amazon either. Bots can come in many forms and as a designer, no-UI has always intrigued me.

 

Alec Paulson, Worldpay Senior Software Engineer and Ghost Protocol team member

 

Specialty: Full Stack Man

 

What are you looking forward to at the Hackathon? 

Getting some sleep since I ain't gonna be there #ghostprotocol

 

What is your favorite thing in the world right now? 

My favorite thing right now is find amazing ideas in emerging areas of tech like AI, machine learning and blockchain. 

 

Scott Sievers, Worldpay Database Administrator and team player

 

Specialty: Purveyor of Data

 

What are you looking forward to at the Hackathon? 

I look forward to ideating through new product/app ideas with teammates and seeing what we can come up with.

 

What is your favorite thing in the world right now? 

Spending time with family and cycling. 

 

Jeremy Buikema, Worldpay Software Engineer and miniature donkey rider

 

Specialty: Writing simple and clean code

 

What are you looking forward to at the Hackathon? 

I'm looking forward to learning/creating something new and hanging out with the crew.

 

What is your favorite thing in the world right now? 

My favorite thing right now is hanging out at home with all 7 of my animals (2 cats, 2 dogs, a bunny, a horse, and a miniature donkey). We just got a new cat and he has fallen in love with our bunny. Watching them play is terrifying and one of the cutest things I've ever seen.

 

Will you be at Money20/20? Let us know in the comments!

Congrats to the winners of the Developer Survey drawing!

 

We randomly selected 3 winners from our Developer Survey participants. These lucky, lucky winners will receive a sweet $100 Amazon gift card!  

 

Congrats to:

ajohnstone

frank

jodi@vinbalance.com

 

Haven't entered the survey yet? There's still a chance to win $500. Increase your odds by taking all 3 surveys: 

 

Stay tuned to this space for the survey results! 

Last year, 85%-90% of all business assets were digital. The average security breach costs U.S. businesses an average of $7.35 million, making information security a top strategic priority for modern businesses. Plus data breaches can end up costing much more in the long-term from reputational damage and brand erosion.  

 

Point-to-Point Encryption (P2PE) is a security development that allows businesses to remove clear text data from their network. A P2PE solution consists of a combination of validated hardware, software, applications and processes to encrypt cardholder data. P2PE ensures that confidential card payment data is encrypted at the point the payment is taken, removing the clear text data from the retailer’s network. That data is only decrypted once it’s passed to the solution provider’s secure environment.

 

P2PE uses a key management process in which every transaction is created using a unique key. This means that each transaction would have to be individually broken to gain access to sensitive data. The processing power and time to hack individual transactions to gain substantial amounts of cardholder data is incredibly difficult.

A P2PE listed solution provides businesses with access to the latest technology to protect customers’ data.

 

Make sure you can spot the difference between P2PE hype and truth with our handy infographic:

 

Dispelling the myths about P2PE

EMV compliance and the switch to chip-enabled cards and readers can have a big impact on reducing a merchant's interactions with fraud. Stolen data, particularly credit card and other sensitive data is still a large problem for companies. As long as enterprises store these materials in their databases, hackers will continue to try to infiltrate business networks to get their hands on customer information. 

 

EMV is leading customers to develop new habits like using mobile wallets with a biometric for a faster checkout experience. Discover 5 more ways EMV is changing the landscape: 

 

1. EMV readiness is growing.

 

Consumers will be able to use chip and pin credit at 100% of merchants by 2020.

 

Consumers should be able to use their chip and pin credit and debit cards at 99% of merchants by 2019 and 100% of merchants in 2020.

Source: https://www.statista.com/statistics/419777/forecast-of-pos-terminal-adoption-to-emv-usa/

 

2. The US is a chip market leader.

 

Now the US is the largest chip market in the world.

 

Before EMV adoption, in 2015, the US was 25 years behind the rest of the world when it came to chip-based cards. In October 2015, the US transitioned to chip-based cards after several high-profile credit card hacks at Target, Home Depot, Michaels, and other big-box retailers. Now, the US is the largest chip market in the world.  

Source: file:///C:/Users/U316770/Downloads/Is%20EMV%20Working%20ISV%20infographic%20(2).pdf

 

3. EMV cards combat counterfeit.

 

Fraud levels have dropped by 76% among merchants that have transitioned to EMV.

 

According to Visa, EMV cards have been effective in reducing counterfeit fraud, which is the most common type of fraud committed in the US. Merchants that have transitioned to EMV cards have seen fraud levels drop by 76% from December 2015 through December 2017.

Source: https://www.darkreading.com/risk/fraud-drops-76--for-merchants-using-emv-says-visa-/d/d-id/1331891

 

After the EMV rollout, fraudsters are getting more sophisticated.

 

Call center fraud rates have doubled since 2015

 

Fraudsters are adapting to the widespread use of EMV by moving to card-not-present (CNP) fraud. Since skimming and creating fake mag-stripe cards are no longer as profitable as they once were, fraud rings have turned to  chargeback fraud (making fraudulent purchases using stolen identities and card numbers), as well as targeting call centers with social engineering to steal account data. Call center fraud rates have doubled since 2015.

Source: http://totalaccess.emarketer.com/article.aspx?r=1015789

 

What’s next? Contactless. 

 

In Australia, 93% of payments are contactless.

 

EMV is already being outpaced by new and improved secure payments technology. In Australia, 93% of payments are contactless. In Canada, 51% of payments are contactless. Along with additional security, contactless payment also increases the speed of the transaction.

Source: https://www.retaildive.com/news/emv-payments-in-2018-the-state-of-the-update/521709/

20 payments insights for 2021

 

Last year, digital wallets surpassed  debit card usage in the U.S., and digital wallets are set to overtake credit cards as the leading payment option within the next five years. Don't get left in the dust left by the digital boom. Check out these 20 insights from Worldpay's 2017 Global Payments Report to prepare your business for the future:

 

1.In 2016, credit cards were the most popular  payment method around the world, with 29% saturation. However, by 2021, that will completely change, as an estimated 46% of consumers will use their eWallets to shop , instead of their credit or debit cards.

 

2. China is the largest eCommerce market in the world, and that's not going to change anytime soon. If you want to capture this market, look into accepting Alipay and WeChat pay on your website to attract Chinese shoppers. 

 

3. If you're looking to expand your business's footprint in North America, look to Latin America. Argentina will have the fastest-growing eCommerce market in Latin America for the next 5 years, outpacing both Mexico and Brazil, thanks to their high internet penetration rate (80.1% of the population has internet access) and a large middle class population.

 

4. Passwords are so 2017. Biometrics will spell the end for passwords - not just for point of sale payments, but for customers who shop and pay on their mobile device or biometic-enabled laptop or desktop.Current methods include fingerprint scans, iris scans, heartbeat scans, voice recognition, facial recognition, palm vein scanning, and even ear prints. 

 

5. Biometrics will go beyond the humble fingerprint scanner. While nearly all mobile wallets have allowed for payment authentication via fingerprint scan or PIN in the past, Apple’s recent debut of the iPhone X, with its 3D face-scanning detection technology, is set to lead a shift away from fingerprint scanning. Where Apple goes, the market usually follows. 

 

6. India is the fastest-growing eCommerce market in the world. Demonetisation and a large population of unbanked consumers have contributed to the rise of eWallets, led by Snapdeal, MobiKwik, and Paytm.

 

7. Businesses that know how to leverage big data to tailor gather insights on how their customer demands and preferences change over time will be able to build a longer term relationship with their customers. For instance, Costco turns over its entire product suite 12 times a year to better serve its 75 million US subscribers. 

 

8. Hong Kong is one of the leading digital economies with some of the highest rates of internet saturation in the world at almost 90%. 

 

9. Baby boomers will be the cause of an eCommerce boom. By some estimates, global household spending by people aged over 60 in 2021 will be twice as much as seniors spent in 2010 - to the tune of $15 trillion. This is due to a large, tech-savvy aging population who are already comfortable using social networks and shopping . 

 

10. Credit cards are the method of choice for  shoppers in Japan. In the country with the world’s oldest population, low smartphone use among consumers age 65 and older is restricting mCommerce from growing quickly.

 

11. Aussies are increasingly opting for using their eWallets like PayPal and Visa Checkout over credit cards. BPAY is a popular electronic bill payment system in Australia that is quickly dominating other bill payment services. Another thing Aussies are into: international shipping. Nearly 20% of Australian eCommerce was cross-border in 2016.

 

12. While digital wallets will remain the global payment method of choice for eCommerce, bank transfers will also surpass both credit and debit cards in popularity, becoming the second most popular  payment method in the world. This is good news for  merchants, since there is generally a lower cost of payment acceptance for bank transfers than for payment cards. 

 

13. In Malaysia, eCommerce growth is expected to outpace traditional in-store sales over the next 5 years. 75% of Malaysian internet users browse the web via smartphone.

 

14. Last year Singapore overtook Silicon Valley as the Number 1 source for start-ups, so it’s no wonder that 73% of internet users in this high tech city shop .

 

15. The US has the oldest eCommerce market in the world. And US shoppers are pretty traditional, with 75% of  transactions in the US paid via Visa or Mastercard.

 

16. In the Netherlands, iDEAL is the most widely used payment method , with 1 out of every 5 purchases made on a smartphone.

 

17. Subscription services will grow in popularity, due to consumers who are happy to pay for convenience. Right now, 92% of millennials and 70% of retirees in the US have active subscriptions. Look for the subscription model to make an impact beyond content subscriptions, to luxury goods to sports equipment, and even cars.  

 

18. The top 3 digital payment services for Russian shoppers are Yandex.Money, Webmoney, and Qiwi. Nearly 50% of  shoppers in Russia make at least one  purchase a month. 

 

19. Consumers in New Zealand are all about platforms with Alibaba and Amazon both having significant presence. 

 

20. South Korea's advanced IT infrastructure means that nearly all households are connected to the internet and most adults have a smartphone. South Korea is one of the largest eCommerce markets in Asia, and is expected to see double digit eCommerce growth in the next 5 years. 

4 security threats facing merchants

 

If a business accepts credit or debit cards, they're responsible for protecting their customers' sensitive data from theft and misuse. Knowing the payments security threats that merchants face can help prevent a catastrophe, like a data breach or penalty fines from the major credit card brands from occurring.

 

Check out our infographic on the main threats that merchants face today, as well as the solutions that can help mitigate their risk: 

 

Security threats facing merchants

Take the developer survey to enter to win 1 of 3 $100 Amazon gift cards

We want to hear from you how payments developers work. Take any (or all) of our three developer work surveys to enter to win a $100 Amazon gift card.

 

We'll be giving away 3 $100 Amazon gift cards-1 for each short survey- so if you take them all, that's three chances to win! 

daniperea

Join us at RSPA RetailNOW

Posted by daniperea Jul 26, 2018

retail now, rspa

 

Join Worldpay at RSPA RetailNOW 2018

August 5-8

Nashville, TN

Worldpay Booth #725

 

A team inspired to do better

Meet the team attending RetailNOW 2018 and hear how they are striving to empower your business independence.

 

 

Every year Worldpay looks forward to reconnecting with our partners, vendors and soon to be partners  ! With everything going on at the show, we wanted to make sure you don't miss out on the opportunities planned for you. 

 

Product booth demos

Explore what Worldpay is building to help our partners be independent 

  • triPOS® Connect and Verifone® VX 690 bring streamlined POS payment experiences to the table
  • triPOS Mobile for iOS and Android is built for the customer in mind
  • iQ® Launchpad puts partners in control for new merchant on-boarding and more
  • Bizshield/Insights delivers useful data for busy merchants, which is why we’ve made our data analytics tool intuitive and easy to use.

 

Worldpay speaking events

How Leading POS Resellers Implement Recurring Revenue Products & Services

  • Moderated by Jim Roddy, Worldpay
  • Monday, Aug. 6, 5:00-6:30 PM and Wednesday, Aug. 8, 8:00-9:30 AM

Our industry’s top-performing resellers regularly add new recurring revenue streams to their offering. This session will go in-depth with executives from those organizations detailing how they select, evaluate, bundle, market, sell, and service their recurring revenue products and services. We’ll discuss headaches and success stories plus practical tactics and techniques for transitioning your business to the highly profitable recurring revenue model.

 

You’ve Hired the Best, Now Develop Your Team for Success! (Building Productive Teams for the Long Term)

  • Presented by Shannon Reichart and Paul Kirk of Worldpay
  • Monday, Aug. 6, - 11:40am - 11:00am and 11:50am - 12:30pm
  • and Wednesday, Aug. 8, 8:00am - 8:40am and 8:50am - 9:30am

Let’s face it. Today’s tech-savvy workforce has options, and because of this, finding the right people for our business can be a challenge. This ranges from salespeople, administrative people, and everyone in between to keep your organization running at optimal velocity. And more importantly, keeping the right people is even more challenging!


This 40-minute session will assist with how to invest in developing your most valuable resource, your people, and demonstrate why this is so critical now more than ever before and how you can maximize your ROI in your talent development.

 

troubleshooting the eCommerce sandbox

 

Got 99 problems and access to our eCommerce sandbox is one (or all) of them?

 

First, bookmark Vantiv eCommerce Sandbox  for easy reference, then read on for the answers to 3 common Sandbox troubleshooting questions.

 

1) The url doesn’t work.

 

Make sure you’re using the correct url: https://www.testvantivcnp.com/sandbox/communicator/online.

 

We also recently expanded the sandbox to allow testing of our chargeback API. The URL to do this is: https://www.testvantivcnp.com/sandbox/services/chargebacks

 

2) Oops, you’re not in the Sandbox environment, you’re in the prelive environment.

 

How do you tell if you’re in the sandbox or the prelive environment?

This is easy-peasy. If the url has “prelive” in it, you’re in the prelive environment. If the url has sandbox in it, you’re in the sandbox environment.

 

Once you have applications working in the Sandbox, you can request access to our Pre-Live environment for additional testing. The prelive environment has scheduled maintenance on Tuesdays and Thursdays which is why you might see unresponsiveness. Please contact support at ecc@vantiv.com for prelive issues.

 

From: Is the sandbox site down? 

 

3) This still isn’t working - what can I do?


Have no fear, contact our helpful support team at sdksupport@vantiv.com.

 

The sandbox can tell you if it’s up or not. The live status can be checked at https://vantiv.github.io/sandbox/

5 Key IoT Trends for Developers

In 2017, IoT devices outnumbered people in the world for the first time, with around 300,000 developers supporting IoT technology. In 2020, the IoT industry will need 1,400 times that amount, or 4.5 million developers to support global growth, when over 30 billion IoT connected devices are expected to be installed worldwide.

 

But what does it mean for developers today? What are the biggest IoT trends and how will they impact your work?

 

While there’s nothing completely new and shiny on the IoT horizon, plenty of improvements are being made. Here are five emerging trends to keep an eye on.

 

Python and Java will dominate.

 

Learn python and java to code for IoT technology.

 

If you want to ride the IoT wave, make sure you know the dominant programming languages, namely Java and Python. A 2017 IoT Developer Survey conducted by the Eclipse Foundation lists Java as the top programming language for IoT development, particularly for gateways and the cloud. Python has gained traction for data-intensive applications and works well with small devices.

 

Research is paving the way for the launch of 5G.

 

Research is paving the way for the launch of 5G.

 

Looking toward the 2020 rollout, loads of research is being dedicated to 5G, including how the technology will be used, how companies will invest in infrastructure, and how network providers will maintain profitability. The speed of 5G provides an opportunity for more devices to constantly gather and interpret data, from wearable tech that tracks geolocation and biometrics, to home technology that monitors house temperature and lighting along with external weather reports, allowing for predictive actions.

 

Location, location, location.

 

Enterprises are continuing to adopt IoT for location-based businesses.

 

Enterprises are continuing to adopt IoT for location-based services, with lighting and temperature control systems being a key use case. This means that formerly low-maintenance appliances like your thermostat or floor lamp will now require management and monitoring, including firmware and software updates.

 

Healthcare and retail top the list of IoT use cases.

 

Healthcare and retail top the list of IoT use cases.

 

Use cases for IoT are growing fast, and the healthcare and retail industries are expected to see greater adoption of the technology in the coming year. The healthcare IoT market alone is forecast to reach $117 billion by 2020. Encrypting data transmission will be a priority, particularly for healthcare IoT devices.   

 

Developers will need to solve the security issues of IoT devices that power everyday technology.

 

Security remains a top concern.

One of the most important concerns is the need for solving the security issues of IoT devices that power everyday technology. Experts cite the prolific implementation of unsecured IoT devices as well as the growing availability of DDoS-for-hire services as root causes for DDoS attacks, which increased 91 percent in 2017. Developers will need to be vigilant about product security, including requiring https, and adding credential changes for secure devices.

integrating credit cards on your website

 

Are you planning on integrating credit card payments on your website? Before you code your payment form, think about the customer experience. Try these 5 easy tips to make payments easy and worry-free for your customers and you’ll be rewarded with more completed sales and less abandoned shopping carts.

 

1. Pare down your form to the bare necessities using common sense logic.

Make it easy for your customers to breeze through checkout by shrinking the amount of data they need to enter. Save your users from a “credit card type” drop-down menu by coding the form to detect the card type automatically with the first 4 digits of the credit card. There’s a handy guide for this here. Same goes for the address field. All you need is a zip code to automatically populate city and state fields.

 

Don't forget mobile users when you integrate credit cards on your website.

 

2. Even better: include a card scanning option for mobile users.

When you’re integrating credit card payments on your website, keep your mobile users in mind. I’ve been super grateful for Apple’s new credit card scan feature on iOS every time I’ve bought podcast tickets on my mobile phone on one of those event apps that gives you a teeny amount of time to reserve event tickets.

 

3. Offer incentives and loyalty points.

You want your customers to come back, right? Rewarding customers for shopping at your store is a great way to encourage them to come back and spend. Try offering a free sample at checkout or points that are redeemable for a discount on their next order. The benefits can vary from larger sales to an increase in return business. When you’re integrating credit cards on your website, giving a reward in exchange for a sale is a great way to delight customers.

 

when integrating credit card payments on your website, make it easy to split payments

 

4. Allow customers to pay for purchases on more than 1 card.

Say you have a group of friends who want to pool their money to buy a giant dinosaur sculpture (a totally reasonable purchase). Sure, they can buy their new dino statue on one person’s card and reimburse each other through various cash sharing apps, OR you can provide a user experience that will surprise and delight these dinosaur aficionados by coding a checkout that will allow a customer to divide a purchase among many cards. When integrating credit cards on your website, convenience and ease of use will delight your customers. Particularly if you’re selling higher-priced items, something like this could make the difference between a customer completing the purchase on your site or somewhere else.

 

5. Keep in mind that design can reinforce perceptions of security (and perceptions of vulnerability).

If your payment form doesn’t look safe or secured, you’re going to scare your customers away (and drive them to a competitor). Little designed elements can make a big difference. Check out how Wave designed their payment form to give a sense of security: https://uxdesign.cc/the-anatomy-of-a-credit-card-payment-form-32ec0e5708bb#8