Payment Tech Insights for E-Commerce and Digital Service Companies

As a leading provider of cutting-edge online payment solutions, we’re committed to empowering businesses to succeed in the digital economy. In this article, we’re excited to offer you exclusive access to valuable resources that can improve your approach to online payments – and provide new, revenue-boosting opportunities for your business. 

Explore our collection of free white papers designed to address key challenges and unlock new opportunities:

  1. “Unlocking your marketplace payment gateway”: Discover strategies to optimize your marketplace payment gateway and enhance transaction efficiency.
  2. “Going global with local payments”: Learn how to expand your business globally by embracing local payment methods and catering to diverse customer preferences.
  3. “3 pain points of fashion e-commerce”: Identify and address common pain points in fashion e-commerce to streamline payment operations and improve customer satisfaction and conversion.
  4. “The Payment Construction: How to Build Success in E-Commerce”: Gain insights into the essential elements of a successful e-commerce payment strategy and build a solid foundation for long-term success.

Ready to take your e-commerce business to the next level? Download your free copies of these insightful white papers and start your journey toward payment excellence. If you like the white papers and are ready to benefit from our expertise, just drop us a line to Let’s revolutionize the way you do your payments together!

A vault with credit cards stored inside, symbolizing a PCI vault for online payments

How Your PCI Vault Makes or Breaks Customer Trust

Let’s face it: The majority of customers don’t trust your payment system just because. You have to earn their trust. 

For German e-commerce, that’s strikingly true. According to statista, 51% of German customers name ”Security and Trust Issues at Checkout” as the prime reason why they don’t shop on an online platform. Over one third of them also feel pushed off by a ”Long and Confusing Payment Process” (37%). And so, companies are between a rock and a hard place: How to speed up and simplify the checkout process without compromising security? 

Credit card tokenization is one of the key ingredients of the remedy. During tokenization a so-called token replaces the clear-text card details, acting as a stand-in for the full credit card. This has a number of advantages such as: 

  • Saving the customer’s card details for subsequent payments
  • Eliminating the reentering of card information during failover rerouting to a different PSP 
  • Reducing the risk of data breaches, increasing customer trust
  • And thus providing a frictionless, satisfying user experience.

To make this work, however, your company’s payment system must be able to call up a secure, PCI DSS-compliant storage, a Vault. The Vault ensures that customer’s card data is tokenized and securely stored and will not fall into the wrong hands. In the following paragraphs we will highlight a path to get a fully functioning Vault for your business. 

In detail, this article will answer: 

Curtains up! 

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The Finergizer logo towering over the claim Supercharge Your Payments

Finergizer – A New Spark in Payment Orchestration

Power on, it’s alive! We are excited to announce the launch of our brand-new payment orchestration platform: Finergizer. It’s a modular set of elements that allows enterprises to run their online payment landscape and scale their payment capabilities rapidly. 

But Finergizer is not just any payment orchestrator: It’s here to empower your business. 

As an on-premise solution, Finergizer allows you to enact full control over your customers’ payment data, and also over the operations and security measures of your payment system. Finergizer provides the jolt of energy your unique business needs to process and manage transactions – domestic and cross-border. 

So, read on and get the full rundown of Finergizer and how it will make payment orchestration a breeze for your business.  

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Finergizer routing a payment request to specific providers such as Adyen or Stripe

What Is Payment Orchestration (And Why Is It a Game Changer)?

Payment Orchestration describes the mechanism of integrating and handling different payment service providers, acquirers and banks on a single, unified software layer. The Payment Orchestration software executes and manages the complete end-to-end payment process. That includes payment authentication, multi-PSP transaction routing, settlement, and much more. Also, Payment Orchestration encompasses processes such as risk management, secure customer data storing, Know-Your-Customer and Anti-Money-Laundering procedures, and the like. 

A Payment Orchestration Layer (POL) – sometimes also called a Payment Orchestration Platform (POP) or a Payment Orchestrator – is the technological framework that manages user and merchant accounts, acquirers, payment providers, fraud detection services, etc., initiating, validating, routing and processing transactions involving those parties. In addition, a Payment Orchestration Layer handles payment processes such as reconciliation, billing and settlement, payouts and reporting. 

A Payment Orchestration Layer (POL) is the entry point to and the heart of a payment system, streamlining payment automation. With POL, e-commerce platforms and online service providers don’t need to integrate every PSP and every acquirer separately. Instead, they can consume the unified API of the payment orchestration layer, benefiting from a reduced integration complexity. Moreover, a POL simplifies system maintenance and development for platform owners and merchants and streamlines interaction with third-party service providers. 

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A golden credit card, representing credit card payments and PCI DSS compliance

How to Achieve PCI DSS Compliance as an E-Commerce Business

There are two important truths about PCI DSS in e-commerce environments: It’s easy to reach compliance. But it’s hard to maintain it. 

Well, in comparison, at least. Setting up a PCI DSS-compliant environment for credit card payments is never exactly “easy”. But many e-commerce companies will experience the upholding and the monitoring of measures to secure credit card data as a challenge – especially as the requirements evolve over time. In different phases of business development, e-commerce companies may find themselves struggling with: 

  • Putting up a profound strategy to uphold PCI DSS compliance over time. 
  • Analyzing the effectiveness of PCI security measures put in place. 
  • Discovering deviations from the standard required by PCI DSS. 
  • Educating their teams in putting the specifications into ongoing action. 

As an online retail business, this article may help you understand the requirements of PCI DSS, the challenges those requirements entail and possible actions to become compliant. It will: 

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A globe with pins all over it, representing local payment methods used in different countries

A Voyage Through the World of Payment Methods: How Your Customers Pay

In e-commerce and online services, local payment methods grow in importance in many nations around the globe. On an international scale, the global credit card schemes have dominated online payments for a long time. But currently, they are in decline: Estimations state that in 2026, only around 16% of online payments will be conducted via credit cards.  At the same time, payment solutions by BigTech companies like Apple, Tencent and Amazon grow in favor. They are popular and well-known all over the globe. In addition, digital financing like Buy Now, Pay Later find widespread adoption on platforms. Customers flock to such payment options as they guarantee them greater financial flexibility in the face of high inflation and times of economic downturn. 

In any case, local payment methods are gaining steam: Some purely digital, some including offline interactions. Many such local payment methods have limited reach, only seeing adoption in specific regions or nations. However, sometimes a local payment method is able to expand beyond the confines of its region and become an international player. Today’s BigTech payment titans belong to this category.

Alternative payment methods encompass a variety of options, including: 

  • Bank Transfers 
  • Cash-on-Delivery
  • Direct Debit
  • Electronic Wallets
  • Voucher Payments 
  • And more…

The Payment Options Line-Up Reflects Local Payment Preferences  

Irrespective of their form, these alternative methods shape a country’s payment culture, which can vary greatly even between neighboring nations. Therefore, businesses looking to expand into new markets must consider local payment preferences. It’s estimated that up to 77% of transactions are made via alternative payment methods in some counties. 

This article is intended to assist companies in understanding the payment cultures of regional markets. It provides an overview and aims to offer businesses a starting point for their own in-depth research. The article will cover the following regions: 

  • Europe
  • Africa and the Middle-East
  • Asia and the Pacific
  • North America
  • South America

What payment methods do people in these parts of the world prefer? Let’s spin the globe a bit and have a look. 

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A person with a credit card sitting at a laptop, which symbolized online e-commerce payments

The Payment Construction: A Guide to Custom Solutions for E-Commerce Companies 

In the realm of e-commerce, companies have to keep a fast pace and deliver on their target groups’ preferences. As customers demand frictionless payments, success is often defined by the smoothness and ease of transactions. Getting such payments on the road is a crucial challenge faced by many businesses. In pursuing this ideal, secure, custom payment solution often encounter roadblocks that hinder growth and efficiency. 

The good news is: Your e-commerce company doesn’t have to face such obstacles on its own. We are thrilled to announce a collaboration that will support you in optimizing payments, from start to finish. trimplement, EPAM, and CORE SE have united their experience in business consulting, payment domain knowledge, and payment software development. Doing so, we have created a free guide, we help you identify contemporary payment challenges and possible solutions. 

Let’s start right away.   

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Second Hand Clothing representing payment systems in online fashion resale

How to Get Top Payments for Online Fashion Resale 

Selling secondhand fashion online is as old as the web itself. 

We could argue that eBay was the first successful online marketplace to exist. 25 years later, pre-owned clothing is all the rage again with buyers and sellers. With new verve, fashion retailers have pushed into the resale market. A market which is projected to become a very lucrative one.

Brands like Dior, Chanel and Gucci have already adopted the practice of so-called branded resale. Many of their competitors are following suit. Some companies have run their online recommerce programs for a while now. A survey by statista proves them right: When it comes to digital features by luxury brands, customers look forward to resale programs above all else. For regular-income customers, the market is also in full swing. Fashion businesses in the mid-price segment have started resale programs, too. This includes those often labeled fast fashion. H&M, Shein and Zara are well on board. Even sports apparel brands adopt the practice – think Lululemon, Adidas, Nike or Decathlon.

But moving from e-commerce to recommerce comes with challenges for businesses – many of which relate to payment. This article will provide insights into the matter, discussing:

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A bottling jar with money in it, representing customer financing in fashion e-commerce

How to Tailor Consumer Financing in Online Fashion Retail? 

As e-commerce continues to grow, online retailers are constantly looking for ways to increase their customer base and improve customer satisfaction. One way they are achieving this is by offering customer financing options. In this article, we will delve into: 

So, let’s get to it.

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A high-fashion purse and a smart watch, standing for buy now, pay later in the fashion industry

The Pros and Cons of Buy Now, Pay Later in Online Fashion Retail  

Buy Now, Pay Later (BNPL) allows customers to buy something online, but pay for it after delivery. A BNPL payment can be made in installments over a period of time or as a full payment at a fixed date. Thus, the payment method is a novel variant of purchase on account, for short-term financing of goods. 

No traditional banking institutions have to be involved when paying in BNPL installments. What’s more, some BNPL companies even refrain from charging interest rates – a practice that banks still adhere to.

With the economic downturn threatening the margins of online fashion retailers, Buy Now, Pay Later can be a tool to keep customers happy in spending. 

In this article, we will have a look at the how and why. We will cover… 

  • Why the fashion industry is under pressure and how BNPL can help
  • What the core advantages of Buy Now, Pay Later are
  • What options you have when trying to get a Buy Now, Pay Later solution for your platform
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