Does your payment solution pass the no-hassle test?

The kids are back to school and no doubt some of them are moaning and groaning about quizzes and tests. As an ecommerce professional, though, tests are a chance to make sure that you’re giving your customer the best experience possible—the kind of experience that makes it easy to complete their transaction with you. Providing hassle-free ecommerce payment solutions is an important part of converting shopping carts into sales receipts. Do your payment methods pass the no-hassle test?

Credit Cards

For years, credit cards have been the go-to method for ecommerce merchants. And they are convenient—if the customer owns one, that is. Nearly 25% of Americans don’t have a credit card. What’s more, only about 41% of college students—a market ripe for online media and video games—own a credit card, writes For these consumers, requiring a credit card for purchase is anything but hassle free.


The popular online payment service has gained popularity because it allows anyone with an email address to pay for goods and services with a credit card, electronic bank transfer, or personal check. Sounds easy, right? Not so fast. The payment processor requires consumers to set up an online PayPal account that retains credit card or bank account details—info that risk-adverse consumers aren’t likely to share. In addition, the account verification process can take up to several days. If you limit ecommerce payment solutions to PayPal, customers might find it’s more hassle than your product is worth.

Bill to phone

This third party payment solution allows consumers to receive a bill for your services in their monthly phone bill. For non-credit card owning consumers, it eliminates the hassle of finding a friend or family member who does own a credit card (assuming, of course, the consumer would take the time to do even that.) There are also no ponderous, time-consuming accounts to set up. All your customer provides is very basic information, including their telephone number. It’s a simple transaction that requires no real effort on the consumer’s part—and that means a higher conversion rate for you.

Does your ecommerce payment method pass the hassle-free test? If not, contact ILD, a leading bill to phone alternative payment processor with the tools and know-how to deliver easy online payment solutions.