Blog/Best Practices

Everything You Need to Know About Digital Payment and the Mobile Shopping Movement

Digital payments are driving the mobile shopping revolution. Here’s what your e-commerce store needs to know about optimizing your site for them.

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This year we surveyed thousands of U.S. consumers, and one thing was abundantly clear. Mobile shopping is on the rise. 

  • 97% of consumers have made at least one purchase from their mobile phone in the past year. 
  • 43% of consumers are willing to spend $100 or more on a single purchase from their phone.
  • 83% of Gen Z respondents and 65% of consumers overall say they make purchases more impulsively on their phone vs. their desktop. 

The problem is a majority of mobile sites don’t deliver an optimized shopping experience. The Mobile E-Commerce UX performance for the average top-grossing US and European e-commerce site is just “mediocre”.

Slow loading speeds, too small text, horizontal scrolling—seemingly small things can make or break a customer’s decision to buy.

But arguably, one of the most significant barriers to completing mobile purchases is a poor digital payment experience.

In this article, we’ll break down the details behind the mobile shopping movement as well as everything you need to know about optimizing your site for digital payments. 

What Is Digital Payment?

The umbrella term digital payments refer to transactions that are conducted over the internet and mobile channels.

Some of the most popular digital devices used for payment include cell phones, computers, PayPal, Venmo, and more. 

Digital payment methods are the backbone of e-commerce, and for good reason.

What Are the Benefits of Digital Payments?

There are many benefits of digital payments that benefit both you and your customers. 

Speed

Without reliance on traditional banking hours, digital payments can be quickly made anytime, anywhere in the world. You can also avoid the high processing costs that come with shopping in person. 

With traditional commerce, a business has to pay a processing fee for each credit card transaction. Online however, you’ll pay a fixed rate to your service provider which can wind up saving you loads of money if you’re dealing with a high volume of orders. 

Security and Theft Protection

Thanks to the advancements in traceability and digital security, corruption and theft rates are also declining.

There are multiple ways to secure your payments such as tokenization, encryption, SSL, and more. On sites like Shopify, your customers can even save their card details or complete their transactions by using a One Time Password.

In a recent study, it was revealed that the government has saved almost $14 billion in social protection payments since adopting digital payment portals.

Accessibility 

Digital payments also help reduce accessibility gaps moving the needle forward towards the direction of financial inclusion across genders, races, and socioeconomic statuses.

As an e-commerce shop, speed, transparency, and accessibility are all hugely important. So, how can you improve your mobile shopping experience with digital payment best practice?

It’s simpler than you might think.

Putting the Smart in Smartphone Online Shopping

Ensuring a smooth mobile checkout experience is relatively simple. The goal is to keep these three things in mind:

  • Security
  • Consistency 
  • Simplicity 

Here are a few concrete things you can do to give your site the full package. 

Create Familiarity 

Apple and Android have guidelines available that provide best practice for their respective interfaces. Refer to their developer guidelines to make sure your site appears as clear and user-friendly as possible on each device.

Choose a Reputable Payment Provider 

To ensure consumer safety, be sure you’re going with a trusted payment provider. You’ll want to find one that’s compatible with all major credit cards, fast fund transfer speeds (usually 1-3 days), and a variety of devices (especially Apple and Android).

Encrypt Your Data

To provide top-tier security, you’ll want to make sure your site is PCI-DSS compliant. This means you’ll need to include a firewall, data encryption, anti-virus software, and any other added security measures you see fit. 

It’s also a good idea to require address verification and card code verification (CCV) for each transaction, even if data is auto-filled. 

Not only is this customer-preferred, but a failure to maintain minimum security standards can result in fines from credit card issuers. 

Provide Multiple Payment Options

To accommodate the growing use of mobile wallets such as PayPal and Apple Pay, be sure you give users the option to checkout through a variety of payment options. 

Keep Your Mobile Checkout Page Clean

With a smaller screen, mobile checkout pages cluttered with popups and distractions can be a hassle. You’ll want to make sure you remove navigational links that divert from the mobile checkout fields as well as any forms or pop-ups that might get in the way. 

Keep the number of form fields as low as possible and consider adding touch-friendly elements, like type-ahead addresses to help save time. Lastly, try to incorporate high-contrast designs to accommodate pages viewed in bright sunlight.

Photo Credit: Smashing Magazine

The Next Frontier: Text to Order

As a final note of best practice, we encourage you to add SMS to your checkout experience. 

That way you can share exclusive offers and alerts to customers in the future. All they have to do is click on the link in their messages and checkout!

If your customers are already shopping on their phones, why not meet them where they are through text to order?

While trust in mobile commerce is growing, it’s still crucial that your store does as much as possible to make the shopping experience smooth. 


If you want to learn more about mobile commerce, check out our guides on text to order and e-commerce order fulfillment for the full scoop.

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