Payments and checkout
Where architecture turns into revenue
A checkout has to satisfy the shopper, the payment scheme, the regulator and your finance team at the same time. Most checkouts are built for one of those four. We build for all of them and then measure the result step by step.
- Strong customer authentication with exemption logic, so low risk orders are not challenged unnecessarily
- Payment provider routing with automatic failover when an acquirer degrades
- Local payment methods per market, including the wallets and instalment products that decide conversion
- Guest checkout, address autocomplete, saved cards and one page flows where they measurably help
- Reconciliation to the cent, with settlement, fee and refund data landing in your finance system
Measured
Every step, before and after
Checkout funnel, five step legacy flow against a two step rebuilt flow
Figure 07 / conversion funnelFigure 07. Twelve weeks of sessions before launch against twelve weeks after, same markets and same traffic mix. Step definitions were kept identical so the comparison holds.
Coverage
Methods, providers and the rules behind them
Payment mix is a market by market decision driven by data, not by which provider has the best integration guide.
| Market group | Methods that matter | Typical primary provider | Regulatory note |
|---|---|---|---|
| United Kingdom and Ireland | Cards, Apple Pay, Google Pay, PayPal, Klarna | Adyen or Stripe | SCA under UK PSRs, delegated authentication where available |
| DACH | Invoice, direct debit, PayPal, cards, Klarna | Adyen | Invoice risk assessment and consumer credit rules |
| Benelux | iDEAL, Bancontact, cards, PayPal | Mollie or Adyen | PSD2 SCA, iDEAL 2.0 migration |
| Nordics | Swish, Vipps, MobilePay, Klarna, cards | Adyen or Nets | PSD2 SCA, local instalment disclosure |
| Central and Eastern Europe | BLIK, bank transfer, cards, cash on delivery | Adyen or Stripe | PSD2 SCA, cash handling and fiscalisation rules |
| B2B across Europe | Purchase order, credit terms, direct debit, card on file | Depends on the ERP credit process | Credit limit checks and dunning handled in the ERP |
Table 05. Method selection is validated against your own settlement data during discovery, not taken from a market report.
01
Compliance without theatre
PCI DSS scope is kept to SAQ A by keeping card data out of your systems entirely. Where a business requirement forces a wider scope, we say so and price the consequence.
02
Fraud that does not block good orders
Rules and scoring tuned against your own chargeback and refusal data, with a review queue rather than silent rejection, and a monthly report on false positives.
03
Finance can close the month
Settlement files, scheme fees, refunds and chargebacks reconciled automatically against orders, with exceptions raised as tickets instead of spreadsheets.
Next step
Tell us what is slowing your commerce platform down
Send the brief. A principal architect reads it, then you get a written technical assessment with options, effort and risk inside five working days. No sales call required first.