{"id":37721,"date":"2015-08-10T00:00:00","date_gmt":"2015-08-10T00:00:00","guid":{"rendered":"https:\/\/newrcblog.wpengine.com\/top-reasons-consumers-prefer-online-payments\/"},"modified":"2025-07-02T08:41:17","modified_gmt":"2025-07-02T15:41:17","slug":"top-reasons-consumers-prefer-online-payments","status":"publish","type":"post","link":"\/us\/en\/blog\/top-reasons-consumers-prefer-online-payments\/","title":{"rendered":"Top Reasons Consumers Prefer Online Payments"},"content":{"rendered":"

\"online<\/a>Consumers are accustomed to being instantly connected \u2014 to information, to entertainment, to one another via text message and social media, and to items they want to buy. With this expectation that nearly every need can be immediately solved with the help of technology, it\u2019s not wonder that they\u2019ve become so privy to online payments \u2014 and the businesses that accept them.<\/p>\n

Here\u2019s a look at the top reasons people prefer online payments:<\/p>\n

1) They eliminate geographical boundaries<\/strong>. When a person travels to a different country or continent, they have\u00a0to adapt what\u2019s in their\u00a0wallet. This may include exchanging currency, and even using a different credit card than they\u00a0would typically use. Online payments eliminate the obstacles to participating in a global marketplace.<\/p>\n

Many payment processors equip businesses to accept a range of different currencies, automatically calculate the proper exchange rate based on the type of currency \u2014 and even adapt the language and information prompted in checkout forms to accommodate the different languages buyers might speak, based on the currency used.<\/p>\n

2) They\u2019ve never been more convenient. <\/strong>Payment technology has evolved<\/a> to the point that consumers can complete an online payment even if they don\u2019t have a card or physical wallet on hand. In addition to the increasing popularity of mobile wallets, like Apple Pay, research by Javelin Strategy<\/a> indicates that simpler forms of alternative funding (think PayPal or BillMeLater) remain well received by online consumers. In fact, more than 80 percent of respondents to Javelin\u2019s study said they\u2019d used one of these card-free payment tools in the last year to make an online payment.<\/p>\n

3) They give consumers more time. \u00a0<\/strong>Online payments aren\u2019t just convenient in the sense of transaction speed \u2014 they eliminate the need for consumers to travel to a store, invest their time, and wait in line to pay. Studies on the psychological impact of waiting in line<\/a> reveal just how precious time is to consumers: They tend to overestimate how much waiting will deplete their time by nearly 40 percent. Whether the amount of time a customer loses from waiting in line is real or imagined, perception is reality:\u00a0 Online payments deliver a tangible benefit<\/a>, simply by offering the buyer a choice of how to spend their time. (Learn more about providing excellent e-commerce customer service<\/a>).<\/p>\n

4) They provide an additional layer of purchase protection. \u00a0<\/strong>Buying from a small business, whether in person or online, requires that customers establish some degree of trust with a merchant with whom they may have no previous experience.\u00a0 Regardless of how clearly a business communicates its return, exchange, and customer satisfaction policies, there may be a sense of hesitancy for consumers. Online payments can overcome this obstacle.\u00a0 When online payments are made using a credit card that guarantees the lowest price for a stated number of days, extends manufacturer warranties, and offers a cardholder the right to dispute a purchase, for example, the customer has peace of mind that they\u00a0will be protected<\/a>, regardless of the merchant\u2019s policy.<\/p>\n

5) They replicate their existing financial habits. \u00a0<\/strong>Online banking has become a tool that more than half of Americans rely on to transfer funds, pay bills, and track their budgets, according to Pew Research Center<\/a>.\u00a0 Online payments replicate the financial habits and behaviors that have become the \u201cnew normal\u201d for so many consumers.<\/p>\n

6) They provide cost-free benefits. \u00a0<\/strong>In addition to all of the benefits customers can gain from online payments, they cost consumers nothing in return. In a world where so few things are free, online payments offer consumers a value-added convenience, with no additional investment required. \u00a0Though businesses may incur a small fee for accepting credit cards, the fact that consumers are given the option to pay in the means they prefer will likely negate the nominal fee that\u2019s involved in the transaction.<\/p>\n

Online payments give consumers the hassle-free experience they want at no cost \u2014and plenty of timesaving benefits. In tandem, they provide small businesses that accept them with the operational efficiencies they need to meet (and hopefully exceed) customer expectations<\/a>.<\/p>\n

Do you prefer online payments to physical transactions?<\/p>\n","protected":false},"excerpt":{"rendered":"

Consumers are accustomed to being instantly connected \u2014 to information, to entertainment, to one another via text message and social media, and to items they want to buy. With this expectation that nearly every need can be immediately solved with the help of technology, it\u2019s not wonder that they\u2019ve become so privy to online payments …<\/p>\n","protected":false},"author":104,"featured_media":37722,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18390,18391],"tags":[9142,7607,9143,9144,9145,9146,9147,9148,9149,9150,7752,7755,8883,8884,9151,7758,9152,5904,7760,9153,7761,9154,9155,7762,8886,9157,7770,7772,4799,9158,5105,9159,9160,9161,9162,8894,9163,9164],"class_list":["post-37721","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-communication-and-collaboration","category-it-leadership","tag-alternative-funding","tag-apple-pay","tag-benefits-of-online-payment","tag-billmelater","tag-card-free-payment","tag-card-free-payment-tools","tag-currency-exchange","tag-eliminate-geographical-boundaries","tag-financial-habits","tag-global-marketplace","tag-mobile-payment-security","tag-mobile-payments","tag-mobile-payments-vs-credit-card-payments","tag-mobile-technology-enhances-the-customer-experience","tag-mobile-wallets","tag-online-banking","tag-online-consumers","tag-online-marketplace","tag-online-payment-methods","tag-online-payment-preference","tag-online-payment-security","tag-online-payment-support","tag-online-payment-technology","tag-online-payment-transaction","tag-online-payments","tag-payment-processors","tag-payment-security","tag-payment-technology","tag-paypal","tag-purchase-protection","tag-retail","tag-supporting-online-payments","tag-top-reasons-people-prefer-online-payments","tag-transaction-speed","tag-u-s-adults-bank-online","tag-virtual-wallet","tag-why-use-online-payments","tag-why-waiting-is-torture"],"acf":[],"yoast_head":"\nTop 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