How to reduce friction at checkout?

How to reduce friction at checkout?

How to reduce friction at checkout?

Many companies spend a lot of time optimizing the content pages of their websites, only to offer a sub par experience at checkout. Is your checkout experience optimized for maximum success? Read on and find out what you can do to improve your conversion rate.


“I wanted to spend my money, but I couldn’t pay.”

Whether you’re operating a webshop, a SaaS platform or a utility company, one of the most crucial parts of your buyer’s journey is the checkout experience. Sadly, 58% of European checkouts contain multiple errors. The result? Missed conversions and the painful consequences thereof, such as one less customer, one less potential evangelist and lost customer lifetime value. To add insult to injury, the only word of mouth you’ll be getting, if any, is negative word of mouth.

Research shows that most friction at checkout, is in fact easily avoided by using a proper payment gateway. The leading errors preventing customers from finalizing a payment are, for example, not confirming the card type, not automatically verifying the card number and allowing consumers to attempt to confirm a payment with an expired card. 

However, even if you’re using a legit, enterprise-level payment gateway and have covered all these bases, there are quite a few additional factors that can have a serious impact on your conversion rates. 

Here are a few recommendations to make sure you don’t miss out on revenue at checkout. 

#1 Preferred (local/regional) payment methods 

Your business may be a multinational, but your customers most definitely are not. When making payments online, they look for the payment methods that are common in their geographical area. Don’t assume a popular, global payment method like PayPal will simply ‘cover all bases’. Your Dutch customers will prefer to pay with iDEAL, your Belgian customers will want to see Bancontact, and your German customers will be looking for Sofort. 

#2 Preferred (local) currencies

Equally important as payment methods are the options for currencies. If you’re doing business in Europe, there are some countries that are within the European Economic Area, but outside the Eurozone. Looking to pivot towards Scandinavian customers? Then it’s important to note that Norwegians pay with the Krone. If you can’t include the currency in your site’s main UX/UI, then at least show the local currency equivalent at checkout so customers know exactly how much they’d be spending. This further inspires confidence and clears up any doubts that may arise at the very last minute. 

#3 Preferred (local) languages

Voulez-vous payer pour cela? There are 24 official languages within the EU. Let’s be honest; adding all the languages would make for quite a large drop-down menu. But, how about offering your website content in the top languages most relevant to your target market? A great European success story is Germany-based online musical equipment retailer Thomann. Its website is available in 14 languages! How is that for ‘think globally, act locally’?  

If you’re not ready to go all the way like Thomann did, then at least consider offering a selection of the top languages within the market. In Europe, for example, language proficiency breaks down as follows: English (44%), German (36%), French (29%), Italian (18%) and Spanish (17%). 

Besides adapting a localized approach, there are also more general guidelines one can follow to ensure conversion and maximize revenues:

#4 Trust 

There’s no conversion, let alone customer loyalty, without first establishing trust. Local payment methods, local currencies and local languages go a long way to inspire that trust. But what else can you do?

It is important to inspire trust across the entire buyer’s journey. From the initial browsing experience to the checkout process and thereafter. Make sure you tell your customers that your website and/or checkout process is secure. One way of achieving this is by using authoritative badges. Next, also make sure you’re using a secure payment gateway that respects and promotes your brand identity. Using the right layout and colours will put customers at ease and further increase the likelihood of conversion.

#5 Avoid self-sabotage with 3DS2

Behind the scenes, make sure you protect yourself against all types of fraud, including friendly fraud, but beware of self-sabotage. In particular, ‘industry-standard’ measures like 3DS2 can often do more harm than good. Using 3DS2 indiscriminately, for all types of payments, will in fact make it harder than necessary for customers to make the payment and many will leave the checkout process at the first sign of friction. 

Many businesses think 3DS2 is the only game in town, but it’s not. It is vital to use fraud protection tools that take into account the many exemptions outlined in the EU’s Payment Services Directive. One such service is the Secure Payments solution by Mi-Pay.  

For a better understanding of the problems with 3DS2 and to find out whether some or all of your digital products and services qualify for exemptions, read our blog on this topic:

How to combat payment fraud without losing revenue

#6 Optimize for mobile first

For an increasing number of consumers, mobile commerce is now the norm. Make sure that the layout of your checkout page is completely responsive to different screen sizes and equally compatible with all devices your customers may use when engaging with you, and trigger the numerical keypad when a customer is required to fill in their card number. This makes it easier for them to avoid mistakes and reduces friction   

#7 Keep it short and friendly 

The checkout page is not a marketing survey. This is not the time to ask irrelevant questions or force account creation. Not without at least offering a discount or major incentive. 

Also, consider your communication style. If a payment fails at checkout, many customers are unlikely to try again. Especially if they have no idea what went wrong. Was it me? Or was it this dodgy website? Make sure to keep error reporting in easy-to-understand language, so customers feel more inclined to give it another go. 

I hope you enjoyed these tips. If you have any questions on how to proceed with improving your checkout experience while improving customer loyalty, combating fraud and boosting profit all at once, feel free to reach out to me anytime. 


Alper Altan
Revenue Consultant

E: [email protected]
M: +31 619949464