25/06/2026

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SCA friction is costing merchants revenue: own your data

SCA friction is costing merchants revenue: own your data

by Ramon Helwegen | Dec 7, 2022 | Conversion

SCA exemption strategy starts with taking back control of your checkout dataStrong Customer Authentication was designed to reduce fraud, but for online merchants it introduced a new conversion problem: authentication drop-off. The friction inserted by 3DS flows,...
Why cross-border sales demand ruthlessly simple checkout UX

Why cross-border sales demand ruthlessly simple checkout UX

by Ramon Helwegen | May 31, 2022 | Online checkout

Cross-border checkout friction is the silent killer of international conversionEvery merchant eyeing international growth eventually hits the same wall: the checkout experience that works tolerably well for domestic buyers falls apart the moment a foreign customer...
How offering the right payment method lifts conversion and loyalty

How offering the right payment method lifts conversion and loyalty

by Ramon Helwegen | May 24, 2022 | Conversion

Payment method choice as a conversion and loyalty lever, not just a checkout detailMost merchants think about payment methods reactively: add what customers expect, keep abandonment low, move on. This Nielsen Media research, commissioned by PayPal, pushes that framing...
Five practical ways to cut friction from your checkout flow

Five practical ways to cut friction from your checkout flow

by Ramon Helwegen | May 13, 2022 | Online checkout

Frictionless checkout is not a feature, it is a survival strategyCart abandonment sits at nearly 70% across e-commerce. That single statistic should inform every decision a merchant makes about their checkout flow. The premise of this piece is straightforward: every...
Stop losing revenue at the final step of checkout

Stop losing revenue at the final step of checkout

by Ramon Helwegen | Mar 23, 2022 | Conversion

Authorization failures are the silent killer of checkout conversionMost merchants obsess over the top of the funnel. Ad spend, landing page copy, product imagery, cart abandonment emails. Yet a significant share of revenue is lost at the very last moment, when a...
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  • Online checkout screen showing multiple payment method options including digital wallet and BNPL on a smartphoneWhy 55% of shoppers abandon when their payment method is missing
    By Ramon Helwegen
    In Conversion
  • Merchant reviewing 3DS authentication drop-off data on a checkout analytics dashboardSCA friction is costing merchants revenue: own your data
    By Ramon Helwegen
    In Conversion
  • Online merchant checkout screen showing a multi-step payment flow with friction indicators highlightedCheckout friction is rising, and merchants are not keeping up
    By Ramon Helwegen
    In Conversion
  • Why BNPL at checkout drives bigger baskets and better conversion
    By Ramon Helwegen
    In Payment provider
  • Abstract illustration of a seamless digital checkout with no visible payment step, representing embedded payments UXWhen the checkout disappears: the case for embedded payments
    By Ramon Helwegen
    In Technology

Independent commentary on what moves conversion at the checkout. Editorial direction by Ramon Helwegen, payments specialist and founder of EcomStream. Editorially independent. No ads. No sponsored content.

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