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9 Ways to Make the Payment Process Easy for Online Customers

Making it as easy as possible for your customers to pay is essential for increasing conversions and sales.

This is why your checkout page is critical. It’s the final stop for people shopping on your website. It’s the place where they hand over their credit card information and finally part with their hard-earned cash.

Your checkout page is where window shoppers become paying customers.

It’s easy to slap PayPal on your site and call it a day – but if you’re serious about making it easier for your customers to pay and increasing sales for your business, you will want to have full control over the entire checkout process.

Following, are 9 tips that will help you do this:

1. Provide a Number of Payment Methods

It sounds obvious, but there are websites that offer only one payment method. However, data highlighted in an infographic from Milo shows that 56% of respondents expect a variety of payment options on the checkout page.

While it’s not necessary – nor practical for that matter – to offer every conceivable payment method available, you’ll want to take a look at your target audience to see which payment methods they use.

Then, you’ll be able to capture the majority of people visiting your website.

For instance, a good combination would be to allow direct bank transfers and payments from all major credit cards. In the end, it all depends on who you’re catering to.

From the screenshot below, you’ll see that MindMeister allows users to pay with several credit cards, PayPal, or a coupon.

mindmeister payment options

2. Allow Payments without Requiring an Account

Honestly, do we really need another username and password to remember? I doubt it! And why would anyone want to put up a wall like that preventing people from paying.

Forcing people to sign up for an account is just too intrusive for first-time customers, and it’s a major conversion killer.

A usability study by Smashing Magazine found that the main reason users hate setting up an account is they expect to be flooded with promotional emails.

It also pointed out that many customers don’t understand why they need to sign up to buy a product when brick and mortar stores don’t require an account to buy from them.

Another disadvantage is that it adds more fields for people to fill out and prolongs the payment process.

To make life easier for potential customers and ensure you get paid, follow Apple’s lead and let them check out as a guest. checkout

As you’ll notice from the screenshot above, Apple gives customers the option to sign up at the end of the checkout process instead of forcing them to hand over their data at the beginning.

3. Deliver a Seamless Design

From a branding perspective, you’ll want to keep everything as consistent as possible. This means using the same colors, fonts, and design on your checkout page as on the rest of your website, so you can raise brand recognition for your business.

Sure, certain online payment providers deliver the frontend ready-made for you, but you give up control over the look and feel of your checkout page.

And with all of the online scams and horror stories out there, it’s perfectly reasonable for folks to be skeptical when faced with a checkout page that’s different from the website they were shopping on.

In order to help raise brand awareness, keep your design consistent across all channels, especially your checkout page!


From the screenshots above, you’ll notice that 6Wunderkinder’s payments page matches the theme of their entire website.

4. Don’t Redirect People

You worked so hard to get people to your website. Why send them away to another website to pay?

This is the main disadvantage of using a service like PayPal that redirects people away from your website to a checkout page.

Since you have no control over the design of the checkout page, customers end up feeling as if they are giving their money to a business other than the one they are buying from.

Checking out and paying will be the last thing people do, which is why you want your business’s name to be the last thing on their minds!

5. Make Errors Easy to Fix

It’s a given that people make mistakes. Sometimes a zip code gets overlooked or someone forgets the “@” in their email address. In any case, your task here is to point out the error and get folks to correct it.

Some checkout pages display an error message at the top of the page, but people don’t realize they need to scroll all the way up to find out what went wrong. Ideally, you want an error message to appear in the field in which it occurred.

Another handy tip for making it easier for people to pay is to save the information they submit.

Below, you’ll notice Spotify doesn’t clear the data that was already submitted and clearly displays the error message in red, which also explains the reason for the error.

spotify payment

For longer forms, there’s nothing more annoying than having to resubmit all of your information again just because you made one silly mistake.

And in an infographic by Invesp, losing customers due to submission errors ranked in the top 10 of conversion problems during checkout.

6. Ask for Essential Information Only

Similar to when you’re building an email list, you want to limit the amount of information you request to the essentials!

Nothing kills a conversion more than having to fill out a form with information that’s not necessary for making a purchase. And adding a long list of fields to fill out adds more hurdles for people to jump over in order to pay you.

This isn’t the 400m hurdles; it’s a sprint where you want folks to run through the checkout quickly and smoothly!

What’s more, a report published by Forrester found that 11% of U.S. adults abandoned an online purchase because they either didn’t want to register or the site was asking for too much information.

To make sure you don’t lose customers because you’re asking for too much, follow Buffer’s example with their payment form.


And if you absolutely need the extra information, such as a phone number, make sure to include an explanation for why it’s required.

7. Provide Reassurances on Security and Privacy

Whenever personal information is involved, always go out of your way to showcase the security measures you have in place.

A survey by eConsultancy found that 58% of respondents dropped out of the checkout page due to concerns about payment security.

As pointed out earlier, delivering a consistent design and not redirecting people to a third party checkout page are important steps in building trust with potential customers. However, you need to do more to reassure folks their data is safe from the hands of hackers.

Typically, you’ll want to have a Secure Sockets Layer (SSL) certificate for your website in order to provide a secure connection and encrypt credit card information.

Additionally, you’ll want to comply with the standards of the PCI Security Standards Council (PCI SSC). PCI compliance is enforced by payment card companies, while the council itself manages the security standards for anyone who stores, transmits, or processes cardholder data.

Be sure to display your security credentials with SSL and PCI badges, just like MindMeister does in the screenshot below.

mindmeister security

As you can see, they show the number of users they have to reassure people that others are using their service, too.

8. Keep Distractions to a Minimum

It probably goes without saying, but your checkout page is the end of the sales cycle. It’s the final step. And in an era when people have the attention span of a gold fish, you don’t want anything to distract them from completing the checkout process.

And that means, under no circumstances, should you put up any advertisements.

Your objective here is to see people through to making the final payment.

For a good example, you need look no further than KISSmetrics’s own checkout page. They keep people focused by eliminating the navigation bar at the top and requesting only essential information.

kissmetrics checkout

9. Have Clear Calls to Action

Don’t leave people guessing what to do next!

When someone adds an item to their basket, make it crystal clear they can “Continue to checkout” or “Continue Shopping.” The trick is to make it specific and avoid being ambiguous with CTAs like “Continue,” “Checkout,” or “Apply.”

Below, you’ll see how Amazon guides people through to their checkout page from the shopping cart.

amazon checkout

You’ll notice how the online retail giant uses clear and specific calls to action such as “Add to Basket,” “Proceed to checkout,” and “Place your order.”


While these tips are sure to decrease shopping cart abandonment and make it easier for people to pay, it’s always a good idea to A/B test different designs to find out what works best. As mentioned earlier, your checkout page is where window shoppers turn into paying customers.

Follow the tips mentioned above and you’ll not only increase sales, but also create an enjoyable experience that people will come back to.

About the Author: Kostas Papageorgiou is a professional blogger. He is responsible for content marketing at PAYMILL, a young startup that offers the fastest and easiest way to integrate credit and debit card payments on websites and mobile applications. Papageorgiou also has worked with startups from Finland, Germany, and the Netherlands to help them use valuable content to grow and engage their audiences. You can connect with him on Google+ at +Kostas Papageorgiou.

  1. Very good post. Thank you for all this great advice. I especially like #2. I hate to have to sign in just to check out. I will certainly be using your advice in my future endeavors.

  2. I agree Kathy! Great Post. And right on time. I’m in the planning phase of launching a product. Kostas, this post helped me to get clear on strategy. Especially #3 and #4.

  3. Great advice and I’m happy to say, I already do most of these! I’ll definitely look at incorporating the others on my shops.

    One you didn’t mention is having contact information on the checkout page. I’ve increased my sales since adding both my toll free number and live chat links on my checkout pages in case customers have questions or problems while completing checkout. Especially older consumers can get confused by how to check out, no matter how clearly you specify them I find. They like the reassurance of a phone number right up front & I’ve walked several customers thru the process step by step – it’s reassuring to customers to know they can get a live person on the phone.

  4. Great advice. I’ve been using Paypal but have been looking for a different payment processor. I took a look at PAYMILL (service of the author of this article) but it looks like it is non-US….or at least fees would be higher for US transactions.

    Does anyone have some suggestions for payment processors that can do all of the things mentioned in this article?

  5. Lynne van den Berg Aug 30, 2013 at 1:00 pm

    excellent and concrete ideas…will make some changes soon.

  6. Good tips but not the killer tips. Appreciate your effort in putting this all together and sharing with us :)

    Point 2 is really strong one. I will keep that in my mind :)

    Thankyou again

  7. Prashant Rohilla Sep 02, 2013 at 3:46 am

    I think with being user friendly it should be fast and be completed in minimum number of steps. To make it more interesting offer some free stuff or freebie on the payment page to surprise the customer and make a psychological.

  8. Thanks for the post….Payments and the design have to be as simple as possible for the users.

  9. Thanks Kostas, appreciate the effort, but it could have been even better if it has some A/B testing stats. don’t you agree?

  10. Jadwiga Oglesbee Sep 05, 2013 at 12:58 am

    Great post! Clearly, even if browsing through a website and selecting products to buy is a breeze, if the payment process is annoying, customers tend to move on to a site which makes buying much easier.

  11. Thanks for sharing this useful information with it.. It is important that Payment method has to be easiest as possible for the users.
    Keep Posting !

  12. Always keep in mind while you pay online,

    Website is secure or not – Check the URL that begins with HTTPS and secure padlock. While website is secure with SSL( means no one can read or crack your information, only merchant can see your payment information. Some merchants ask for create account; it is safe way as usual keep your personal password, create password that is difficult to presume.

    Never send your payment information via email – Data transmitted over the net as regular mail is not completely protected from being interpreted by third parties. Most reputable websites use encryption techniques to secure your personal information as you conduct an online transaction. If you choose to use your credit card online payment, look for secure browser and privacy policy.

  13. Kellie Mcneil Feb 02, 2014 at 8:14 pm

    Wonderful document! Naturally, although evaluating an online site and additionally finding systems to invest in is easy, if for example the monthly payment operation can be troublesome, buyers often start working on a web site making choosing a lot of easier.

  14. Thanks for sharing those useful tips. I completely agree with you. You know it’s all about being logical and taking decisions on the basis of your personal experiences. For instance as customers, even we feel distracted when unnecessary details and information is asked ( just like you said don’t ask for login). Giving your customers multiple options of payment should also be adopted. Conversion as such is not an easy task :)

  15. Thank you for the tips. Like that.

  16. I also Hate paypal , Very Bad impression when someone Redirect to another website. I also never Purchase Product from those websites that Redirect to another party . I have a Simple Question . How can i integrate many CC Services in my website i am not able to find any good Resource .

  17. Our customers buy some products after they checkout and enter full information of payment .But until they press “place order” then jumps to “Thank you! Your order is accepted” page, then it jumps to different pages.
    but when i test it occassionally appears by “Checkout Money”.
    How to show this error when i don’t have any card or visa…”
    Hope your replying! Thanks!

  18. Thank you for advice!
    I think that it is important to offer your customer a variety of alternative payment methods along with bank transfers and credit card payments. This variety depends on what your payment provider has to offer you. If you go international, then it is good if your payment provider has multiple partners in your region of interest or a global partner such as PayPal or WebMoney. Payment providers that attracted my attention were, Payza, Paysera, Sagepay.

  19. I realy appreciate this ever researchful info. it gives me straight think and goahead for my new website transaction design page. thanks once again.

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