Paiement personnalisé
La solution de paiement personnalisé de Cardflo offre aux marchands un contrôle total sur leur expérience de paiement.
Intégrez notre plateforme robuste d'orchestration de paiements directement dans votre flux de paiement existant, en maintenant la cohérence de la marque et en optimisant le parcours utilisateur pour les opérations à haut risque et les entreprises.
Concevez chaque élément pour répondre à vos besoins commerciaux spécifiques et aux attentes des clients.
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L'aperçu
A custom checkout implementation represents a direct integration where the merchant maintains full control over the presentation layer and data collection process at the point of sale.
Unlike hosted payment pages that redirect the user to a third-party environment, a custom framework utilise APIs or client-side SDKs to embed payment fields within the existing website architecture.
This approach allows enterprise merchants and those in specialised sectors to organise the payment flow according to specific operational requirements, such as custom data capture for AML compliance or niche vertical needs.
By managing the user interface directly, businesses can minimise friction associated with external redirects and maintain visual consistency.
The technical stack typically involves a payment gateway or orchestrator that handles the transition of sensitive card data through tokenisation, ensuring the merchant environment stays within a manageable PCI DSS compliance scope while retaining total autonomy over the front-end behaviour.
Comment ça marche
Initial payload configuration
The merchant server initiates a request to the gateway to establish a transaction intent. This step defines the currency, amount, and required payment methods.
A secure token or session identifier is returned, which the front-end application uses to initialise the custom components or direct API calls within the browser environment.
Secure data capture
Payment credentials, including the PAN, CVV, and expiry date, are entered into the merchant's custom-designed fields.
To reduce PCI DSS burden, these fields often utilise vaulted elements or iframes that transmit data directly to the acquirer or vaulting service without sensitive information touching the merchant's primary servers.
Authentication and SCA
If the transaction falls under PSD2 mandates, the checkout logic triggers a 3DS challenge.
For a custom integration, the merchant decides how the challenge window appears, ensuring the Strong Customer Authentication process is integrated into the site architecture rather than appearing as a disconnected pop-up that might deter completion.
Authorisation and response
The encrypted payload is sent to the acquirer for authorisation via the card schemes. The issuer returns a response code, such as '00' for approval or specific decline reasons.
The custom checkout logic then dictates how to display this result to the customer, allowing for immediate retry logic if necessary.
Pourquoi c'est important
Friction reduction and conversion
Redirecting customers to external domains frequently triggers security concerns or creates latency that leads to basket abandonment. A custom checkout keeps the user within the merchant's domain, which can positively impact conversion rates.
This is particularly relevant for high-value transactions where brand trust and a consistent user experience are critical factors in the cardholder's decision to proceed with the authorisation.
Advanced risk and compliance
Custom integrations allow for the collection of additional data points beyond standard payment fields, such as specific KYB information or industry-specific metadata required for risk analysis.
Merchants can tailor the data entry process to satisfy internal AML policies or to provide more context to issuers, potentially improving approval rates by reducing the likelihood of a transaction being flagged as suspicious during the authorisation stage.
Cas d'usage
Enterprise retail
Large-scale retailers require a checkout that matches their global branding. They use custom integrations to manage complex logic, such as split shipments or loyalty point redemption, directly within the payment interface.
Subscription services
Software and media companies utilise custom flows to handle initial MIT (Merchant Initiated Transaction) agreements, ensuring the customer clearly consents to future recurring billing cycles during the primary sign-up journey.
High-risk sectors
Merchants in regulated industries often require additional identity verification steps. A custom checkout allows these businesses to weave KYC and age verification checks into the payment sequence without disrupting the user flow.
B2B marketplaces
Platforms handling multi-vendor payouts use custom checkouts to gather necessary tax and business information from buyers while simultaneously managing complex payment routing to multiple sub-merchants behind the scenes.
En chiffres
Typical figures observed by enterprise merchants when moving from a multi-redirect hosted page to an integrated, single-domain checkout experience.
An industry benchmark for well-optimised custom flows, compared to higher abandonment rates often seen when third-party redirects increase friction.
The relative increase in successful mobile transactions frequently reported after customising gestures and form-factor elements for small-screen users.
Termes associés
Talk to our team about a live rollout on your acquiring stack.
What you get with Paiement personnalisé
- Contrôle total des éléments d'interface utilisateur et d'expérience utilisateur au sein de votre paiement.
- Intégration transparente avec les plateformes et systèmes e-commerce existants.
- Champs de collecte de données personnalisables pour des informations client améliorées.
- Accès API direct pour le développement de flux de paiement sur mesure.
- Optimisé pour la conversion grâce à une expérience utilisateur personnalisée.
- Maintenez l'identité de la marque tout au long du processus de paiement.
- Collection of secondary metadata for enhanced fraud screening and risk profiling.
- Reduced PCI DSS scope through the use of secure field tokenisation.
- Customisable 3D Secure 2.0 authentication overlays for improved user experience.
- Flexibility to prioritise specific payment methods based on customer geolocations.
A short scoping call, then a written plan for your MIDs.
Questions about Paiement personnalisé
Quel niveau de personnalisation le paiement personnalisé de Cardflo offre-t-il ?
Le paiement personnalisé de Cardflo offre une personnalisation complète du front-end et du back-end. Les marchands peuvent concevoir l'intégralité de l'interface utilisateur, intégrer des outils tiers spécifiques et définir les exigences de capture de données pour s'aligner sur leurs directives opérationnelles et de marque.
Cela garantit une expérience de paiement unique et contrôlée pour les clients.
Le paiement personnalisé est-il adapté aux marchands à haut risque ?
Oui, le paiement personnalisé est très adapté aux marchands à haut risque. Il permet un contrôle précis des outils de prévention de la fraude, de la mise en œuvre de 3DS et de la collecte de données, qui sont essentiels pour gérer efficacement les risques.
Les marchands peuvent adapter le flux pour minimiser les refus tout en maintenant les normes de conformité et de sécurité.
Comment le paiement personnalisé impacte-t-il les taux de conversion ?
Le paiement personnalisé peut avoir un impact positif sur les taux de conversion en éliminant les frictions et en alignant l'expérience de paiement sur les attentes des clients. Un paiement personnalisé et de marque inspire confiance et réduit l'abandon.
Les marchands peuvent effectuer des tests A/B sur différents éléments pour optimiser continuellement les performances et améliorer l'efficacité du parcours client.
How can a custom checkout help manage 3D Secure 2.0 challenges?
A custom integration allows for the use of an SDK that handles the 3DS 'method URL' and 'challenge' stages.
Instead of a full-page redirect which can be flagged by browsers as suspicious, the challenge is presented within a modal or iframe that matches the website's aesthetic.
This maintains the user's trust and provides a more cohesive path to SCA completion, which is vital for compliance with PSD2 and future PSD3 regulations.
Is it possible to include bespoke fields for data collection?
One of the primary advantages of a custom checkout is the ability to collect non-payment data that assists with settlement and reconciliation. Merchants can add fields for VAT numbers, gift messages, or specific delivery instructions that are passed into the transaction's metadata.
This information can then be used by the acquirer for risk scoring or by the merchant's back-office for automated dunning and account reconciliation.
How do custom checkouts handle decline recovery differently than hosted pages?
Hosted pages often provide a generic error message for a decline. A custom checkout allows the merchant to interpret the specific decline reason code from the issuer and provide a tailored response.
For instance, if a 'soft decline' occurs due to a lack of 3DS authentication, the custom flow can immediately trigger the 3DS process without forcing the customer to re-enter their details, thereby saving the sale.
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