Online payment process
The online payment process comprises all steps from selecting the payment method in the checkout to the payment confirmation — including authorisation, authentication and settlement.
Online payment process
The online checkout process (also known as online payment flow) describes the entire sequence of an electronic payment in e-commerce — from selecting the payment method to the final credit on the Comerciante account.
The typical sequence: (1) customer selects payment method in the checkout → (2) payment data is transmitted to the payment gateway → (3) authorization request to acquirer and card network → (4) issuer checks and authorizes → (5) payment confirmation to Comerciante and customer → (6) settlement: payout to Comerciante.
For Comerciantes, the conversion rate and the basket abandonment rate in the online checkout process are critical metrics. Optimization levers are: fewer form fields, offering preferred payment methods, enabling guest checkout, minimising loading times and transparent cost display before the final click.
Online payment process examples
A customer selects TWINT at the checkout. They scan the QR code, confirm in the app, and the payment is processed in 3 seconds.
A customer pays by credit card. 3D Secure requires confirmation via banking app. After confirmation, the order confirmation appears.
A shop operator optimises the payment process: guest checkout, Apple Pay as the first option, shipping costs visible before checkout — the abandonment rate drops by 20%.
Online payment process FAQ
What is an online payment process?
The online payment process comprises all steps of an electronic payment in e-commerce: from selecting the payment method, through authorization, to payment confirmation and payout.
How can I optimise the online payment process?
Offer preferred payment methods, enable guest checkout, reduce form fields, display shipping costs early, and minimise checkout loading times.
Why do customers abandon the payment process?
Common reasons: Preferred payment method missing, unexpected costs (shipping, fees), mandatory registration, slow loading times, lack of trust or technical issues.
What happens technically during an online payment?
The payment data is sent in encrypted form to the payment gateway, which forwards it to the acquirer. The acquirer requests authorisation from the issuer via the card network. Upon approval, the amount is reserved and later paid out (settlement).
