E-commerce checkout
One-tap checkout reduces cart abandonment. Pay-on-shipment option builds trust for custom or backordered items.
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Two frictions break the checkout.
Online shoppers face two pain points that drive cart abandonment and lost sales. The first is checkout friction. Cards demand multiple data fields and security checks across several verification screens. Each extra step is a point where the customer drops off, and mobile makes it worse.
The second is lack of delivery trust. For high-value cross-border purchases, especially custom items that need preparation, customers hesitate to pay upfront without a guarantee that the item will actually ship. The merchant wants payment before producing or dispatching, but the customer wants delivery confirmation before paying. The trust gap blocks transactions in both directions.
Mollie surveyed 10,000 European consumers across Belgium, France, Germany, the Netherlands and the UK. 81% stress the importance of an efficient checkout process, and 86% favour retailers offering a variety of payment methods. Across Europe, payment security concerns drive cart abandonment, with 48% of UK consumers citing payment security as a reason for leaving items at checkout.
Online shoppers in the EU are over 60% more likely to experience problems with their purchases compared to those shopping offline. Cross-border e-commerce keeps growing: 35% of EU consumers purchased from another EU country in 2024, and 27% from outside the EU. 45% of consumers encountered online scams, with many also experiencing fake reviews and misleading discounting practices.
One workflow, three ways to use it.
SEPA Request-to-Pay combined with SEPA Instant Credit Transfer creates a flexible payment experience that adapts to what you sell and how quickly it ships. Three implementation patterns cover the full range of e-commerce scenarios, from instant checkout to maximum buyer trust.
One-Tap Checkout
Pay When It Ships
Pay on Delivery
A Polish customer shops on a Spanish electronics site. Different items go through different flows: in-stock items use One-Tap Checkout, custom or backordered items use Pay When It Ships, and high-value cross-border orders can use Pay on Delivery for maximum trust.
Universal flow, flexible trigger.
Merchant chooses when to send the SRTP
For ready-to-ship orders, the SRTP is sent at checkout. For items that need preparation, the merchant defers the SRTP until shipment. For maximum buyer trust, the SRTP is held back until delivery is confirmed by the carrier.
Customer receives the request in their bank app
Whenever the SRTP triggers, the customer's bank presents a structured, pre-filled payment request. The request contains all order details already populated, with nothing for the customer to type.
Customer approves with biometric or PIN
The customer reviews the structured request and confirms with biometric or PIN, the same way they confirm any other payment in their banking app.
SEPA Instant settles in seconds
Funds move from customer to merchant within seconds, 24/7, across the SEPA zone. The transaction skips card networks and chargeback exposure entirely. Every step is recorded with structured ISO 20022 data for full audit trail.
What merchants and customers gain
One-tap approval in the bank app removes the friction that drives abandonment. The checkout becomes as fast as confirming any other payment.
The biggest abandonment gains come where friction is highest: mobile checkout and cross-border purchases. SRTP works the same across all SEPA countries, in the customer's own banking app.
The merchant receives confirmed settlement within seconds, with full payer authentication built in. Order fulfilment can begin immediately.
For custom items, backordered stock, or high-value cross-border orders, the merchant defers the SRTP. Some merchants trigger payment when the item ships. Others wait for delivery confirmation. Either way, the customer pays only after the merchant has fulfilled the order.
SRTP is an authenticated bank transaction. The architecture lacks the chargeback mechanism that comes with cards, and the merchant has no card fraud exposure. Funds arrive confirmed and settled in central bank money.
Every payment carries structured ISO 20022 data with full request, approval, and settlement history. Compliance and finance teams gain complete visibility into each transaction.
Ready to transform payments?
Book a demo to see how ToriiPay can reduce costs and speed up payments for your business. Or schedule a consultation to explore partnership opportunities.