10/11/2026

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When the bank’s screen disappears, the shopper still has to recognise who is asking

When the bank’s screen disappears, the shopper still has to recognise who is asking

by Ramon Helwegen | Dec 27, 2021 | Online checkout

When the bank’s screen disappears, the shopper has to recognise what replaces it A card payment can stop for a check by the shopper’s bank. EMVCo, which manages the 3-D Secure specification, describes how that works: many payments go through without...
Your cart is a shortlist, so keep it for the shopper’s return

Your cart is a shortlist, so keep it for the shopper’s return

by Ramon Helwegen | Nov 26, 2021 | Conversion

Your cart is a shortlist the shopper means to come back to, so it has to be there when they return In November 2021 a startup called Carrot launched a browser extension for Chrome on desktop that collected the carts a shopper had left open across different webshops....
Local payment methods abroad: build the payment list for the payer, not the parcel

Local payment methods abroad: build the payment list for the payer, not the parcel

by Ramon Helwegen | Nov 25, 2021 | Online checkout

A local payment method follows the shopper’s bank, not the delivery address In November 2021 PYMNTS published a Deep Dive arguing that local payment methods would carry the next phase of cross-border ecommerce. It counted more than 450 local methods in use...
Cross-border shoppers judge you after the payment: returns, refunds and the withdrawal button

Cross-border shoppers judge you after the payment: returns, refunds and the withdrawal button

by Ramon Helwegen | Nov 24, 2021 | Conversion

A shopper abroad gives you one order to prove yourself, and most of that order happens after the payment In November 2021 PYMNTS interviewed Na’Imah Muhammad, owner of Brazilian Bundle Me, an online seller of wigs and hair extensions, for its Cross-Border Retail...
What the shopper reads after a declined payment decides whether they try again

What the shopper reads after a declined payment decides whether they try again

by Ramon Helwegen | Nov 16, 2021 | Conversion

One line of text after a decline decides whether the shopper tries again When a payment fails, the shopper gets a message, not a reason. What happens next depends on three things: what that message says, what the page still holds once it appears, and what it offers as...
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  • Checkout earns its keep on the second order, not only the firstMeasure your checkout as a growth loop, not a failure report
    By Ramon Helwegen
    In Conversion
  • Recognising a shopper early pays off only when it removes a question they would otherwise have to answerRecognising a shopper early only helps where it saves them a question
    By Ramon Helwegen
    In Online checkout
  • A lost cart costs one order, a lost customer costs every order after itA lost cart costs one order, a lost customer costs the next ones
    By Ramon Helwegen
    In Conversion
  • Every confirmation step added to a payment needs a way through for the shoppers who struggle with itPayment confirmation is where checkout friction stops some shoppers altogether
    By Ramon Helwegen
    In Online checkout
  • A renewal is a checkout your subscriber never sees, until it failsFailed renewals are the subscription checkout nobody designs
    By Ramon Helwegen
    In Payment provider

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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