5 tips to simplify the payment process for mobile users

5 tips to simplify the payment process for mobile users

According to Statista, the global mobile payment revenue is expected to reach over 1 trillion US dollars in 2019. Such a steady growth is determined by the spread of mobile devices like smartphones and tablets. No wonder that developers seek new ways to manage payments in mobile and enhance user experience.


After reading this article, you’ll learn how to interact with the mobile users and make their customer journey more comfortable. The central question is how to simplify the payment process for mobile audience and grow the revenue.

First and foremost, you need a mobile-responsive website or a mobile app for iOS and Android. Both alternatives have their pros and cons: mobile apps are user-friendlier and give access to users’ data simpler and quicker; however, they take more effort to be downloaded and are more expensive to develop (starting $5.000 according to Elinext app developer). Anyway, no matter what you have chosen as a mobile payment platform, these tips will come in handy:

1. Don’t overpay for payment acceptance

The native iOS and Android payment services charge a significant commission for payment processing – up to 40%, which makes it unprofitable for SMEs. That’s why the first advice is to research the market and find the best payment solution.

Moreover, there might be some limitations to the payment systems in apps, depending on whether you sell real products and services, or virtual goods, such as gaming attributes. In the latter case, the payment acceptance via third-party services may be banned.

2. Make a payment page seamless

As for the payment page in an e-commerce app, it’s vital to make sure that it looks organic in terms of design and development. The most secure way to integrate payments into an app is to customize a payment form for mobile apps and implement it using built-in browser. The smooth and seamless design makes users feel like their actions are protected – they are not signing out to anywhere and pay where they order.

3. Mind desktop vs. mobile differences

The devil is in detail – besides screen sizes and mobile OS limitations, developers should consider psychological and physical user experience. For example, users should be able to reach all the options with their thumb, regardless of screen size.

The payment form fields should not ask for more than it’s required to make a transaction. Automatically switch to digit, use credit card visual cues, and replace complex menus with drop-downs which are easy to scroll on a smartphone screen.

4. Avoid overwhelming

Plenty of mobile users bounce because of the high-load payment sections which take dozens of seconds to be available. That’s why lightweight checkout pages ensure the better conversion rates. Meanwhile, users may need to check their order before they pay, so leave the critical info on the payment page (number and price of items, dates of delivery, etc.)

If your app implies frequent orders, let customers add payment card data to their account. Loyal customers would appreciate the minimum effort for data input limited to the CVV code.

5. Provide the customer with details

As long as checkout, authorization, and verification may take some time, it’s critical for users to know which stage of payment process they’re at. Let them know whether there is an error, why it has happened and how to fix it or what alternative methods might be used.

Security information is also a must. To convince users that their bank data is protected, place the appropriate message on the payment page. Make sure to include PCI DSS, Verified By VISA, MasterCard Secure Code and other icons indicating secure payments.

In a nutshell, simple and lightweight interfaces are a future of mobile payments which is becoming a standard rather than a competitive advantage. However, entrust this to a reliable vendor with financial development expertise, as payment integration requires the advanced level of data security and legal compliance.

This is a guest post by Alexy Sysoff.