Mobile payments are a key element for e-commerce stores and are extremely important from a business point of view. They enable customers to conveniently and quickly make payments, which translates into increased sales and an improved shopping experience. Customers today expect flexibility and ease in the payment process, and mobile payments allow you to meet these requirements. In addition, mobile payments allow merchants to easily track and manage payments, which translates into more efficient management of company finances. Nowadays, when the use of mobile devices is widespread, mobile payments are an integral part of every e-commerce store.

Everything You

Need to Know

About Mobile


as a Retailer

Mobile payments have become an increasingly popular payment option in recent years, thanks to the proliferation of mobile devices and the convenience they offer. As a retailer, it's important to understand what mobile payments are, how they work, and the benefits they can provide to your business. Whether you're a small business owner or a large retailer, understanding mobile payments can help you improve your customer experience.


How do mobile payments work?

How does mobile payment work in e-commerce? After selecting the product they want to buy, customers select the mobile payment option and enter their payment details, such as credit card numbers or mobile wallet information. Then, after confirming the payment, the funds are debited from the user's account and the seller receives information about the successful completion of the transaction. The payment process usually involves the use of mobile wallets or payment applications that store the user's payment details and allow one-click payments.

Why are mobile payments important for businesses?

  • Convenience: With mobile payments, businesses can make and receive payments quickly and easily, without the need for physical checks or cash.
  • Speed: Mobile payments are processed in real time, which means that funds are transferred quickly, reducing the time it takes to complete a transaction.
  • Security: Mobile payments are often more secure than traditional payment methods, as they use encryption and other security measures to protect sensitive information.
  • Cost savings: Mobile payments can be cheaper than traditional payment methods, as they often involve lower transaction fees.

Types of mobile payments IN

  • Mobile transfers - allow customers to make payments directly from their bank accounts via a banking app or payment platform.
  • Credit Card Payments - Customers can make payments with their credit card through mobile apps or a web browser.
  • E-wallets - are mobile applications or online platforms that allow customers to store their money and make payments using their mobile devices.
  • SMS Premium - allows customers to make payments by sending an SMS to the indicated phone number.
  • Payments via telephone operators - the customer can make payments via his telephone bill, and the amount is debited from his SIM card.
  • Mobile applications for payments - these are special applications that allow customers to make payments using their mobile devices.
  • Payments using QR codes - customers can make payments by scanning QR codes via mobile applications or cameras on their smartphones.



Choosing the right payment method for your online store is crucial to its success. Here are a few steps to help you choose the best payment method for e-commerce:

  • Analysis of customer needs - Think about what payment methods are most often chosen by your customers and make sure that you offer the ones that are most convenient for them.
  • Comparison of fees and commissions - Check the fees and commissions associated with each payment method and choose the one that is the most financially advantageous.
  • Transaction security - Make sure the payment method you choose is secure and protects your customers' personal and financial information.
  • Integration with the store system - Check if the selected payment method is easily integrated with your e-commerce system.
  • Technical support - Pay attention to what technical support the payment method provider offers and whether it is available 24/7.

Remember that choosing the right payment method can have a huge impact on the financial results of your online store, so it's worth taking the time to carefully read the available options and choose the best one for your business.


What are the best mobile payment solutions? With these questions in mind, let’s highlight seven of the most popular mobile payment solutions: 

  • Stripe
  • Square
  • PayPal Here
  • Chase Paymentech
  • Shopify POS
  • PaySimple
  • GoPayment POS (Intuit Quickbooks)

7 Mobile Payment Solutions for Your Small Businesses

Read more about the best mobile solutions and choose the right one for your business.

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“We’ll discuss the essential considerations when selecting a mobile payment system. We’ll also explore the seven most popular mobile payment solutions and highlight their accepted payment options, location coverage, and fees.”

Sean Cope


What are the best mobile payment solutions? With these questions in mind, let’s highlight seven of the most popular mobile payment solutions: 

  • Lightspeed Retail
  • Apple Pay
  • QuickBooks GoPayment
  • PayPal Payments Pro
  • Square
  • Adyen
  • Venmo

benefits of mobile


Mobile payments are a beneficial solution for businesses

You may be looking for a specific e-commerce platform, plugin, or insights tool to help you utilize your e-commerce business's operations. Fortunately, there are several excellent e-commerce software packages to pick from, each with a unique set of features and functions.

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“Mobile payments processing is fairly simple for a merchant, but it requires a bit of upfront effort. That includes investing in a point-of-sale system that can handle contactless payments and digital wallet transactions. ”

  • Simplification of the transaction process
    Mobile payments allow you to make transactions quickly and quickly without the need for a credit card. To allow customers to have a smooth shopping experience without buying, which can increase their satisfaction with the service and encourage them to return to the online store.
  • Increased Efficiency
    Mobile payments reduce the time it takes to complete a transaction, allowing merchants to speed up the sales process and serve more customers. This can lead to increased profits and improved business performance.
  • Improved security
    Mobile payments provide greater security. When making purchases using a mobile wallet, an individual security code is generated. This eliminates the risk of your credit or debit card numbers being stolen, both online and in-store. Thanks to this, customers can feel safer and are more likely to make online purchases.

5 advantages of mobile payment acceptance

Read more about the five advantages of accepting payments with a mobile point of sale.

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“Mobile payment acceptance makes payments easy, virtually anywhere. It offers your customers more ways to pay while offering flexibility for your business to grow.”

Worldpay Editorial Team

6 payment trends

to watch in 2023

Mobile payments are one of the fastest-growing segments of the fintech market and are a key part of the shopping experience for many consumers. Over the past few years, mobile payments have undergone a significant transformation, and this trend will continue in the near future. Here are some of the top mobile payment trends for e-commerce in 2023.

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FedNow on the way

  • There are high expectations for FedNow’s launch, which could come as early as May, with industry participants wagering it will super-charge the use of faster payments in the U.S. and spur innovations.

Embedded payments on the rise

  • A host of fintechs are pouncing on the opportunity to sell embedded financial services to software companies that haven’t monetized payments, said Maast CEO Tom Bell. Maast is a subsidiary of Synovus Bank, which sells banking and payments services to software providers.

BNPL matures under new pressures

  • Buy now-pay later will experience growing pains this year, as the industry faces shopping shifts, debt-saddled consumers, and potential regulation.

Deal-making revs up

  • Acquisitions are widely expected to increase in the payments industry this year as difficult economic conditions and less available venture capital lead to lower, more attractive price tags for businesses.

Beating back bad actors

  • With digital payments on the rise across all sorts of rails, from real-time to B2B to peer-to-peer, fraudsters and other criminals follow the money trail. That’s why cybersecurity is likely to be an important trend this year too.

Funding challenges

  • Startup competition is unlikely to let up, even as funding becomes harder to secure. It will favor some areas over others though, with more interest in business-to-business (B2B) or infrastructure concepts, and less in consumer or cryptocurrency, payments players said.

6 payments trends to watch in 2023

Read more about upcoming payment trends in 2023.

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“FedNow, embedded payments, deal-making, cybersecurity, and more mature BNPL will be dominant themes, among others, in the industry this year.”

Caitlin Mullen

Przemysław Górecki

Przemek Górecki

CTO at Altkom Software & Consulting and trainer at Altkom Akademia. He has more than 20 years of experience in management and technology development in the fintech and banking industries. He graduated from AGH University of Science and Technology in Krakow with a degree in electrical engineering, automation and computer science, and the prestigious manager program at the European School of Management and Technology (ESMT) in Berlin.

What are the biggest challenges for fintech companies today?

There are many challenges fintech faces today. 1. Competition with traditional financial institutions: Fintechs are competing with banks and other conventional financial institutions, which are also entering the fintech market, innovating and improving their services.
2. Security and privacy: As the volume of financial transactions carried out by fintech increases, so does the risk of identity theft, financial fraud, and privacy breaches. Fintechs need to provide an exceptionally high level of security to their customers to gain their trust and maintain their reputation.
3. Regulation and compliance: Fintechs must comply with various laws and regulations, including banking laws, data protection, money laundering, and tax. Proper compliance with these can require a great deal of money and time.
4. Increasing costs: As fintech grows, so do the costs associated with developing and maintaining technology, creating new products and services, and ensuring a high level of security.
5. Customer acquisition: Increasing competition in the fintech sector influences the acquisition of loyal customers, and their maintenance, making this more difficult than before. Nowadays, customers expect fintech to provide appealing offers that attract and encourage them to use particular services.
6. Financial support: Fintechs often need large amounts of funding to develop their services and products. However, raising capital can be difficult, especially for smaller, not yet well-established fintech companies.
7. Technology and innovation: Fintechs shall keep up with the rapid pace of change in technology and innovation to remain competitive in the market. However, these innovations often require enormous financial and technological investments and skilled employees.
8. People management – with the market still for an employee, skillful employee acquisition and retention becomes crucial, especially for smaller and new companies. Creating an employee-oriented culture, providing development for people, and the still much-underestimated feedback is the bare minimum these days.

What are the challenges of developing software for fintech companies and what processes ensure the smooth implementation of new solutions?

The risks associated with the following challenges must be kept in mind: technical debt arises when, in order to meet business needs quickly, we take ‘shortcuts’ and reach for suboptimal technical solutions – solutions that make it difficult or even impossible to achieve the company’s future goals. Further development, e.g. new investments or improvements to specific processes in the organization, are only possible after catching up, i.e. paying off the technical debt. The 3 most important aspects you need to focus on are:
1. Productivity: When creating and developing an application, we must bear in mind that any change can reduce productivity and the efficiency with which the system works. For this reason, we must not forget about regular performance tests that will verify the speed and response time of the solution being developed, the stability and reliability of the system, and scalability and resource utilization according to the application load.
2. Security: Modern applications require multilayered security across code, delivery pipelines, app runtimes, and databases. Start by providing developers with secure dev boxes with well-governed identities. As part of the DevOps lifecycle, use automated tools to examine dependencies in code repositories and scan for vulnerabilities as you deploy apps to the target environment.
3. Integration: Software integration is one of the most important phases during software development. This is because most of the hidden problems of the previous phases start to appear in this phase. Integrating these technologies and systems is not easy. It has been a challenge for IT teams.

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what else is

worth knowing?


The importance of mobile payments in e-commerce

Traditional payment methods like bank transfers and card payments are still available, yet most e-commerce businesses are offering more different payment methods. What are the methods of mobile payments? What are the effects of introducing mobile payments in Polish enterprises? Why should you use mobile payments? Why are mobile payments important in Ecommerce from a business perspective? We will answer these questions and many more in today's article!

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According to an SW Research report done on behalf of Tpay, the most popular mobile payment methods in Poland are undoubtedly: BLIK and e-wallets such as PayPal, Apple Pay, and Google Pay. This can be clearly seen in the chart below marked with an X on the graph.

Maciej Marczak



The most important news from the e-commerce world! Practical knowledge that will come in handy when preparing month-end reports. All on one page!

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This is the perfect summary of the month from the e-commerce industry that every manager will find useful. News, top campaigns, book launches, top jobs, tools, and reports - all in one PDF.



Mobile payments - These have become an increasingly popular payment option in recent years, thanks to the proliferation of mobile devices and the convenience they offer.


Choosing the right payment method - This can have a huge impact on the financial results of your online store, so it's worth taking the time to carefully read the available options and choose the best one for your business.


Investments in new technologies - Fintechs will have to continue investing in new technologies to meet market and customer demands. At the same time, they will have to strike a balance between innovation and stability to minimize risk and guarantee transaction security.


Designing services with users in mind - Fintechs must design their services with the needs and expectations of users in mind. Customers expect easy access to financial services, fast transactions, security, and convenience. Fintechs need to understand these needs and create solutions that will respond to them in the best way to win customer loyalty and stay on the market. 


Mobile payments will be key to e-commerce success in 2023 - The rise of mobile devices and growing consumer trust in mobile payments will accelerate the transformation of e-commerce. Companies that do not invest in mobile payments risk losing customers to the competition.


The development of mobile payments will benefit customers and merchants - Mobile payments enable easier and faster transactions, which increases the convenience and satisfaction of customers. For merchants, mobile payments can reduce transaction costs as well as increase sales with an easier checkout process.

we devise

Creatures responsible for this newsletter

Joanna Tulińska

Paulina Figlewicz

Paulina at Kreatik designs digital product solutions, and is also very comfortable with other stages of the entire delivery process, from UX research, analyzing business needs and goals, and creating audits - ending with the design itself.
She has extensive experience in building brand strategy and communications - but it is user experience design that has always been closest to her. She is characterized by great empathy. Privately, an artistic soul with a deep need for creation. 

Filip Krawczyk

Filip Krawczyk

UI designer at Kreatik. He designs websites and mobile applications.

Graduate of the Academy of Fine Arts in Warsaw at the Faculty of Painting with a specialization in the Conceptual and Intermedia Graphics Studio. Professionally, he focuses on creating modern projects, looking for interesting solutions in the area of application and website design.

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