In 2026, e-commerce payment is no longer just a technical step at the end of the purchasing process. It directly influences conversion rates,cart abandonment, customer confidence, and ultimately, the profitability of an e-commerce site.
Given the wide range of solutions available, the choice should not be based solely on price or brand recognition, but on how well the solution actually fits the e-merchant's uses and objectives.
1. Start by analyzing your purchasing journey
Before comparing providers, it is essential to understand how customers actually shop on the site.
Key points to analyze:
- basket type (single, multiple, subscription),
- average basket size and purchase frequency,
- share of mobile traffic,
- customer typology (B2C, B2B, mixed).
An effective payment solution is one that integrates naturally into the conversion funnel, without creating unnecessary disruption or friction.
2. Offer the expected payment methods... and only those methods.
In e-commerce, more choice does not always mean more sales. In 2026, the most widely used payment methods remain:
- credit card (CB, Visa, Mastercard)
- mobile payment (Apple Pay, Google Pay)
- installment payments based on average basket value (Klarna, Oney, Alma, Floa, etc.)
- instant transfer / open banking for certain uses
The challenge is not to accumulate options, but to intelligently prioritize those that correspond to the target. An overloaded or poorly organized checkout can increase hesitation and abandonment.
3. Evaluate the impact of payment on conversion
Not all payment solutions offer the same user experience. Some involve redirects, longer loading times, or 3-D Secure that is poorly suited to mobile devices.
Priority items to monitor:
- speed of payment display
- smoothness on smartphones
- clarity of validation steps
- successful payment rate
In 2026, slow or intrusive payment processes can undo all the marketing efforts made upstream to get the user to the shopping cart.
4. Compare the actual cost, not just the commission
The price displayed by a payment solution never reflects the actual cost.
To be included in the analysis:
- commission per transaction (between 1 and 1.5%)
- monthly or fixed fees
- costs related to failed (or unpaid) payments
- refund fees (approx. 3-4%)
- dispute and fraud management
- integration time and technical costs
A slightly more expensive but more reliable solution can generate a better ROI over the year.
5. Security and compliance: striking the right balance
Security remains a major issue for e-commerce payments in 2026, but it must not come at the expense of the user experience.
A good solution should offer:
- effective anti-fraud tools
- Intelligent, contextualized 3-D Secure
- Transparent regulatory compliance (PSD2, KYC, etc.)
The objective is clear: to protect merchants without penalizing legitimate customers.
6. Check compatibility with your e-commerce CMS
In e-commerce, the choice of payment solution depends heavily on the platform used.
A native or officially maintained module reduces integration time, limits bugs, and secures future updates.
Check before choosing:
- existence of an official module for your CMS,
- frequency of updates,
- compatibility with the latest versions,
- Native management of 3-D Secure, refunds, and errors.
- quality of documentation and support.
CMS primarily concerned:
👉 A solution that looks good on paper but is poorly integrated with your CMS can generate significant hidden costs (specific development, maintenance, payment incidents).
In 2026, a rigid solution or one that is difficult to upgrade quickly becomes an obstacle to growth.
7. Choose a partner, not just a technology
Finally, e-commerce payments are too critical to be entrusted to a simple API provider without support.
A good partner should offer:
- responsive support in the event of an incident
- an understanding of e-commerce practices
- support during website changes
Some solutions such as Easytransac are part of this support approach, particularly for customized connected e-commerce journeys or specific uses such as remote ordering or click & collect.
Conclusion
In 2026, choosing an e-commerce payment solution is a strategic decision.
A well-suited solution reduces cart abandonment, secures transactions, and supports website growth.
Payment is no longer a technical detail: it is a key driver of e-commerce performance.
Who we are
With more than 60,000 customers, Easytransac capitalizes on a decade of expertise in various payment solutions (distance selling, ecommerce, convenience selling, cashless, mobile payment...).
Easytransac is at the forefront of innovation in the ecosystem of electronic payments and hybrid and cashless solutions that meet the requirements of e-tailers, event professionals and SMEs.
Our platform simplifies transactions and enriches the user experience, thanks to an intuitive interface and real-time tracking, while ensuring security at every payment.
Got a project? Don't wait any longer! Contact our teams HERE.
