How healthy is your checkout?

Six quick questions about your payment setup. Get a score and a short list of what is worth fixing first.

Takes about two minutes. Your answers stay in your browser until you choose to send them.

Do you offer the main local method in each market you sell to, such as Swish in Sweden, Vipps in Norway or MobilePay in Denmark and Finland?
Yes, in every market In some markets No, cards only Not sure
Can customers pay directly from their bank account (pay by bank) at your checkout?
Yes We are planning it No Not sure
If you store cards for returning customers or subscriptions, do you use network tokens?
Yes We do not store cards We store cards, without network tokens Not sure
Do you know what share of your card payments are declined, and why?
Yes, we track it by reason every month Roughly No
Do you apply strong customer authentication (SCA) exemptions where the rules allow, for example for low-value payments?
Yes Not sure No
When did you last review your payment fees or contract?
Within the last 12 months One to three years ago Never, or I do not know

Your result

0 of 6 answered

Answer all six questions to see your result.

Add the local wallet in each market you sell to. Shoppers there look for it at checkout, and its absence is a common reason to leave.
Read more on Local methods
Look at pay by bank, especially for larger baskets and for the Baltics and Finland, where paying through the bank is a familiar way to pay online.
Read more on Pay by bank
Ask your provider about network tokens. They keep stored cards up to date when a card is reissued, which helps repeat and subscription payments go through.
Read more on Tokenisation
Start tracking declines by reason code each month. It is the first step to recovering sales you are losing today, and most providers can report it.
Read more on Fraud & authorisation
Ask your provider which SCA exemptions they support and whether you use them. Applied where allowed, they remove an extra step at checkout.
Read more on Fraud & authorisation
Review your fees against your current volumes once a year. Pricing models and your own mix change, and the fee calculator is a quick place to start.
Read more on Acquiring

Nothing stands out. Keep reviewing once a year.

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