The state of European checkouts – Consumer expectations, payment preferences, and security insights to boost conversion rates

The checkout experience is a critical consideration in e-commerce. It’s an opportunity to delight the customer by offering diverse payment preferences, including cards, digital wallets, account-to-account and the appropriate selection of localised options. Merchants can remove barriers to purchase and leave the customer with a positive feeling about their experience.

It is clear from this research, however, that customers in different regions have varying expectations and preferences. One size does not fit all; retailers need to understand regional differences and deliver tailored checkout experiences.

This report is ideal for retailers looking to reduce cart abandonment, payment providers building seamless checkout flows, eCommerce leaders scaling across Europe, and product teams prioritising security without adding friction.

What you’ll learn:

  • Why customers do, and don’t, choose to return to a retailer

  • The #1 reason shoppers abandon their carts (it’s not what you think)

  • Why only 29% would accept a slower checkout

  • Whether consumers are flexible with preferred payment methods, and how to meet expectations

  • Perceived vs. actual cart abandonment. You think your numbers are right? Think again.

What’s inside?

Based on research across Europe, this report breaks down:

  • Online shopping frequency and spend

  • Regional payment preferences

  • Security concerns and trust barriers

  • Why one-click checkouts divide shoppers

  • Checkout features that drive conversion

Membership

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