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~ Ingenico, a Worldline brand ~

The development of cross-border e-commerce offers huge growth opportunities to merchants
– provided they’re able to offer the right mix of payment methods to consumers. However, it’s
important to realise that credit cards like Mastercard and VISA are not always preferred payment
methods and that shoppers are increasingly relying on Alternative Payment Methods (APMs).
This is directly reflected in fraud risks, which differ slightly depending on the country. This is why

expanding an e-commerce business abroad comes with particular - and sometimes unknown -
cross-border payment risks.

his alone means we’re in a crucial moment Commenting on Worldline’s platform, one merchant in
of time. Merchants who jump into the the pharmaceutical industry said: “Our sector is one of
T momentum and make the most of this boom the most demanding in terms of customer requirements.
will likely see a positive impact on their business It is essential for us to have a stable and secure platform.
– but finding the right payment service provider Most of the time, we don’t need to think about it since
(PSP) is necessary to power this move. everything works as it should, without a glitch.”

How to find the right partner for you Optimise your authorisation rates
A global payments partner may support your first step • 69% of shoppers fail to complete transactions at the
outside your domestic region, or they could be brought in checkout page
to optimise your current payment setup. Either way, there • Between 5% and 20% of transactions fail or are
are many viable options to explore, and you could feel rejected after customers hit the pay button
hard-pressed to find the right fit.
A transaction request submitted by the customer can
It’s important to remember that no e-commerce site is the be rejected by the acquirer due to reasons such as data
same, and every merchant has different business growth validation, insufficient funds or authentication failures.
objectives. It shouldn’t just be the price and location The key for acquirers here is to feed back the status of
of a PSP that influences your choice. The size of your the transaction quickly to the shopper. Should there be
business and your customers’ payment behaviour are crucial a delay in response, this will have an impact on customer
considerations for optimising your checkout and keeping abandonment as they are not expecting to wait for too
conversion rates high. long. Worldline guarantees an average load time of fewer
than three seconds.
Don’t miss a sale
To support your international e-commerce needs, you’ll Your payment platform should offer your customers their
need a payment platform that can comfortably handle preferred local payment methods. Adding more payment
transactions and traffic during your peak sales periods. A methods is one of the most effective actions you can take
stable and robust platform will give you vast opportunities to boost your checkout conversions. Worldline accepts over
to increase your acceptance and conversion rates, better 350 payment methods – and has above average acceptance
understand your customers, and strengthen your revenue rates. For example:
streams. • For iDeal in The Netherlands, it sees an acceptance
rate 4.9% higher than the market average;
When processing large volumes of transactions, the • For Cartes Bancaires in France, Worldline’s
slightest technical hitch can have a significant financial acceptance rate is 0.7% higher than the market
impact. One second lost in downtime could result in average;
thousands of customer-confirmed transactions failing to be • For Bancontact in Belgium, its acceptance rate is 1.2%
authorised. During peak periods such as Black Friday or higher than the nearest main competitor;
seasonal sales, a website can receive hundreds of thousands • For acceptance of Visa and Mastercard, Worldline
(even millions) of orders in a very short timeframe. Some offers an acceptance rate 3.3% higher than the market
merchants can experience transaction volume growth of average.
over 500% during peak periods.
An e-commerce setup adapted to your needs
As for platform stability, Worldline is backed up by three The right PSP will let you choose from a wide range of
redundant data centres, meaning it has 99.95% availability integration options, from a ready-to-use payment page to a
– so you never miss a single sale. full menu of APIs to customise your checkout flow.

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