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E-commerce payments have undergone many transformations over recent years. Numerous new payment methods are available, with ever-improving updates making everyday life easier.
What are e-commerce payments?
They are all payments made when purchasing through websites, such as:
- BLIK.
- Pay by link.
- Payment cards.
- Fast bank transfers.
- Online instalments.
- Apple Pay.
- Google Pay.
How to enable payments in your store
The process is not difficult. Start by choosing a payment provider, agree the contract terms and sign the agreement. Online registration is the best approach, but first check that the store is ready.
Requirements include:
- Returns and complaints terms.
- Website service terms.
An SSL certificate is an important part of customer security. Work with a reputable payment provider such as Przelewy24 for additional protection for your business and customers.
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The best e-commerce integration models
After signing, choose the payment module’s integration model. There are three basic options depending on your needs and business scale.
Redirect is one of the simplest. A buyer finalising a transaction is sent directly to the provider’s payment window, outside your store. After payment, the customer returns to the order status window. They choose the most convenient method in the payment form. Its appearance is predefined, although providers sometimes permit minor changes such as background or logo.
Benefits include:
- Easy implementation: you only add a “Buy now” button and the appropriate link.
- The provider manages the payment process, so you need not worry about updating bank logos.
This works well for smaller businesses or owners who do not want to spend time managing payments themselves.
Semi-redirect groups available payment methods on your website. After adding products to the cart, the customer sees the methods in the checkout summary, chooses one and clicks “Pay now”. They are redirected to a payment page showing specific channels for that option. The provider’s website handles the process. This is also simple and lets you personalise the payment tab in your store.
White label, the most advanced model, keeps the entire payment process on your website.
Benefits include:
- Full personalisation of the payment area.
- One-click card payments.
- Remembering the customer’s last payment method.
You must update the payment page, including bank logos and new channels. It requires more programming based on the provider’s API documentation and is recommended mainly for larger e-commerce stores.
What does it cost?
Online payments usually involve no additional website-side costs, but each transaction carries commission, a previously agreed percentage of the order value. Check whether rates can be negotiated when choosing a provider. Rates also depend on additional charges, such as account activation or fixed transaction fees.
Why are e-commerce payments so important?
Customers assess not only the assortment but also the conveniences offered. Shopping convenience is a major factor in store choice. Without a suitable payment method, potential customers may abandon purchases. Research indicates that 48% say they abandoned shopping because a good payment method was unavailable. Offering varied methods also helps convince customers that your brand is safe and trustworthy.
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Summary
The payment model affects both customer convenience and the work needed to maintain checkout. Redirect is simple, semi-redirect allows more store-side presentation, and white label provides greater control with more development work. Compare transaction charges alongside security and the methods customers expect.
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