Retailers Secure & Diverse Payments as Top Priority

Retailers Are Decking Out Their Online Stores for the Post‑Pandemic Shopping Frenzy

With the coffee shop that’s never closed out of sight, the rush of people swapping home‑bound snacks for online click‑and‑collect has turned the digital checkout into the hottest new battleground for retailers. The goal? Make every transaction feel safer than your grandma’s invitation to her Sunday potluck.

Why Secure Payments Are the New VIP

As the world’s pace has shifted to fast‑online‑shopping, merchants are realizing that a half‑hearted checkout can mean a half‑hearted sale. That’s why companies like Kooomo are urging shoppers and sellers alike to bring a stern security guard at the digital door.

Fraud is the new villain. Smokey moves must stop.
User trust. People rip out their card more than their phone when the checkout feels sketchy.
Smooth flow. A glitchy login is like a bad joke – you just want to scroll away.

Three‑Domain Secure (3DS) 2.0: The Super‑Hero of Card Transactions

Enter EMV 3DS2, the ultimate sidekick that flips the tables on card fraud. Think Visa Secure, Mastercard Identity Check, and Amex Safekey all rolled into one epic suit of protection.

The benefit? Fewer chargebacks for merchants, wiser risk checks for issuers, and the sweet spot where shoppers feel comfortable giving their card details.

The Mobile‑First Wizardry

Thanks to 3DS2, now shoppers can tap their phones and swear “It’s secure” with a quick facial scan or fingerprint, similar to a handshake. That means a faster checkout and higher conversion rates—what retailers love, what customers adore.

A World of New Payment Options Under the Spotlight

Speaking of options, more than zero customers are demanding websites that let them choose how to pay. Here are the top three contenders:

Klarna – the “pay‑later” champ that lets people split bills without interest. It’s like a spa treatment for wallets: you relax, you spread the costs, and the merchant gets paid immediately.
Apple Pay – the thumb‑snapped payment wizard that works in a single tap. With 1.5 billion users, it’s the biggest mobile payment net‑catcher.
Local pay‑first solutions – especially in places like Sweden, the law needs the specific payment method to appear first on the list. Retailers can toggle these front‑end options so the right pay‑method pops up for the right country.

Customizing the Checkout for Every Consumer

“We’re giving you the power to showcase the payment methods that your customers love,” says Ciaran Bollard, CEO of Kooomo. “The technology is there to allow merchants to present options in a way that feels like a tailored menu.”

Customers and Retailers Win in the New Digital Landscape

Post‑COVID, the battle for checkout supremacy isn’t just about adding more complex tech; it’s about making every click feel safe, friendly, and fast. By locking down secure payments, offering diverse payment hacks, and adapting to local preferences, retailers can cut the friction, elevate UX, and keep shoppers coming back for more.