Common Mistakes in Online Payment Systems

29 November5 min read
Common Mistakes in Online Payment Systems

There is no doubt in the fact that the convenience of purchasing things online from anywhere in the world has fuelled the growth of online shopping. However, it’s essential to consider your present online payment system before you open your online business. In this article, we will go through the numerous pitfalls that one needs to avoid while setting up your website's payment page that is as follows: 

  • Lack of Payment Software Integration
  • Lack of Mobile Adaptability
  • Lacking Payment Security
  • Creation of an extensively long check-out process

In addition, one can resolve all the above mention issues with appropriate tools, minimal customization, and effort. Furthermore, one can also engage a consultant or a web developer to gather substantial assistance about your website

1) Lack of Payment Software Integration

Payments for eCommerce can be obtained in two ways. The first way is enabling the customers to be sent to a third-party website, such as PayPal, to complete their transaction using the first method, hosted payment gateways. This approach sounds appealing as the hosting website ensures its security as navigating away from the website may lead to delay in transactions. Thus, leading to nervousness among customers and abandoned purchases. 

The second approach to process online payments is by integrating payments into your website. Thus, it promotes a user-friendly purchasing experience by ensuring their complete shopping experience on your website. 

Below are some of the benefits of using integrated payment gateway software: 

Continuous Billing: Investing in online payment software that automatically renews and collects payments every billing cycle on selling a subscription service or a product. 

Transaction Reporting: One must ensure tracing their transaction history with payment software by applying filters and extracting reports to see sales history, lapsed payments, and product demand. 

Limited information for Re-entry: Re-entering financial information leads to immense consumption of time and effort. Therefore, it’s essential to find a payment software that preserves your customers’ financial info to ensure additional purchases without the further requirement to re-enter the entire information. 

Automatic Generation of Receipts and Actions: The payment processor can result in saving time for customers and employees by automatically re-trying the unsuccessful payments caused by network or processing errors. Moreover, your process can send alerts to everyone associated with the specific transaction for lapsed payments keeping everyone on the same page while resolving the issue. 

Henceforth, it’s important to conduct appropriate research to find the suitable payment processing software that is suitable for your business. 

2) Lack of Mobile Adaptability

Websites that don’t support mobile-responsive forms are often perceived as insecure by the customers. Furthermore, scrolling through unformatted lines of text can be a painful experience, leading customers to abandon their purchases in favor of a mobile-friendly competition. 

Some of the most common ways to ensure mobile responsiveness on your website are as follows: 

  • It’s important to choose a mobile-friendly CMS theme if you’re using services like WordPress otherwise one must consider opting for a theme change.
  • It’s highly suggested to incorporate mobile-specific coding for personalized sites. Moreover, one can always encourage the web development team to add mobile-specific coding to the custom-built website if the site is already in use.
  • The integration of mobile-friendly payment options is crucial as it’s not enough to have a mobile-friendly homepage. Therefore, one must ensure that your store, checkout cart, and confirmation emails operate on your phone as well as on your computer.

3) Lacking Payment Security

An insecure website often leads to difficulties related to financial information. Although, it may sound appealing to install security updates and patches but a security breach can permanently harm your customers' trust and restrict them from visiting your website again. 

The payment processing software must securely accommodate all the payment methods as different users may prefer different payment methods. Therefore, it’s also important to process payments via credit card, debit card, or ACH without impacting your customers' financial security. 

It’s also important to consider whether one wants to invest in PCI compliance or PCI certification while looking for payment processing software. The severe requirements of PCI-certified software can take up to six months for completion. Moreover, PCI-certified payment processors will take care of security for the majority of businesses that accept online payments. 

4) Creation of an extensively long check-out process

The check-out process must be quick as customers prefer to shop online since it is convenient and affordable. Long payment processes with additional steps can lead to a lack of customer loyalty if their purchase is worth the effort. Therefore, one must ensure that front-end operations are functioning properly regularly while establishing a website followed by the replacement of broken links and updating outdated information. 

 Here are a few ideas to improve your payment process so that clients are more likely to complete their transactions: 

  • Forms should be kept to a single page to avoid multi-step payment processes as customers expect to complete their transactions within a few clicks.
  • Information fields should be kept to a minimum. However, one must focus on adapting the customer-friendly approach by focusing on their specific requirements.
  • The page layout should be simple and easy to enable a hassle-free user experience. It’s also important to ensure that your website’s navigation has clear menu items for major items involving store and check-out.


Online payments might seem complicated, but one must avoid any mistakes that could lead to sincere issues down the road. It’s essential to verify your current online payment system as per the safety standards. Moreover, one can always choose a consultant or web developer to gather additional assistance.