When you arrive at the payment page of a web site, you have the feeling of finalising a journey. You have googled through different sites, made your choices, compared similar offers and probably read feedback from other users on the product or the service you are acquiring.
You have made your decision. You are buying. You just have to pay for it. Simple.
Or not. Because there is nothing simple when there is a bank involved.
Payment Methods were never present in the list of risks or complicated duties when we designed the project. It was one in a bunch of agreements with suppliers, but nothing special. It has turned out to be one of the main time consuming and frustrating parts of the process.
PayPal does not accept us because we fall in the category of gaming companies. No problem, there are other options. Neteller, Ukash… but they charge very high fees.
Credit Cards are the main option, but we have to be careful with chargebacks and fraud. 3DSecure is an option to avoid risks, but the majority of card holders are not enrolled for it. Some banks directly reject your transactions if you are an adult content or gaming site and you do not use 3DS. Other banks make it difficult for their customer to enrol and you get more than 50% of their transactions rejected due to lack of enrolment...
… there is a complex world behind a payment page.
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