Kashier<\/a> as a starting point, then request written confirmation of current details.<\/p>\n1. Payment Methods Your Customers Need<\/h2>\n
Start with customer behavior, not the longest feature list. Do they use credit and debit cards? Do you need Meeza, mobile wallets, installments for high-value products, cash reference codes, or international cards? An additional method improves conversion only when customers need it and the flow works smoothly.<\/p>\n
Review existing orders or ask sales and customer support. Three reliable and familiar methods can be better than ten options customers do not understand.<\/p>\n
2. Total Fees, Not Only the Transaction Rate<\/h2>\n
Request a schedule covering setup, subscription, transaction percentage, fixed charge, minimums, refunds, disputes, bank transfer, foreign currency, installments, and any plugin or development cost. A lower percentage can be offset by a fixed fee or longer settlement cycle, particularly for low-value orders.<\/p>\n
Model cost using your own numbers at 100, 500, and 2,000 monthly orders, with realistic average order value and refund rate. Verify how fees can be presented commercially and legally before passing anything to customers.<\/p>\n
3. Settlement Cycle and Cash Flow<\/h2>\n
Ask when funds reach your account, whether timing differs by method or holiday, and which reconciliation documents are provided. A store that quickly pays suppliers or couriers needs a predictable cycle. Request a sample report that connects order number, transaction reference, gross amount, fees, and net settlement.<\/p>\n
4. Refunds, Cancellations, and Disputes<\/h2>\n
Collection is only half the workflow. Test full and partial refunds, processing time, customer communication, and how fees are handled. Understand chargeback procedures, evidence requirements, and response deadlines. Your published return policy must match what the store and provider can execute.<\/p>\n
5. Ecommerce Integration Quality<\/h2>\n
Verify that your platform has a maintained plugin or clear API documentation and a test environment. Check the plugin’s last update, platform compatibility, webhook handling, and who monitors failed notifications. An integration that succeeds once in a demo is not production-ready.<\/p>\n
WooCommerce can use a reliable extension or custom integration. With Shopify, verify that the provider is available for your business location and understand whether checkout is direct or external. Do this before choosing the platform.<\/p>\n
6. Mobile Checkout Experience<\/h2>\n
Many customers discover products and complete orders on a phone. Keep fields short, show final price and shipping before payment, preserve the cart after a failed attempt, and display a clear message instead of an error code. Test slow networks, multiple devices, and the return from wallet apps or authentication pages.<\/p>\n
7. Security and Compliance<\/h2>\n
Ask about PCI DSS, encryption, 3D Secure, fraud tools, card-data storage, and dashboard permissions. Do not collect card details directly on your website unless the architecture is specifically designed and certified for it. Use official integrations and restrict who can issue refunds or access financial reports.<\/p>\n
8. Technical Support and Incident Response<\/h2>\n
A checkout outage means lost revenue. Test support before signing, including working hours, escalation, service levels, and developer support during integration. Maintain a controlled contingency when one method fails, such as another verified method and clear customer communication.<\/p>\n