Top 8 UX features fintechs need in their payment gateway

User experience in payments is no longer a side consideration. Customers expect fast, simple, and reliable transactions. A poor experience at checkout can lead to abandoned transactions, lost revenue, and damaged trust. Research shows that more than 70% of online shoppers abandon their carts, often due to friction in the checkout process.

Let’s discover the top 8 UX features every fintech payment gateway needs to drive customer loyalty, improve conversions, and support business growth.

Frictionless one‑click checkout

Checkout is where user intent becomes revenue. A streamlined, one‑click checkout experience can reduce cart abandonment and speed up the payment process.

Key principles:

Pre‑saved credentials: Use tokenisation to securely store card or account details for returning customers.
Minimal data entry: Remove unnecessary fields and make forms auto‑detect or pre‑fill wherever possible.
Biometric authorisation: Enable fingerprint or facial recognition for fast and secure payments.

For industries with stricter regulations, for example, iGaming operators, using a gambling payment gateway can ensure compliance while maintaining a smooth experience. When a gateway feels reliable, players are more likely to complete their transactions and return in the future.

Intuitive payment gateway UX design

Here’s a rule of thumb: your payment process should “disappear.” Users shouldn’t be thinking about how to pay – they should just pay.

To make that happen, consider:

Clear feedback: Provide instant validation for card inputs and real‑time error messages that explain the problem in plain language.
Progress indicators: Show users where they are in the process to reduce uncertainty.
Trust signals: Prominently display PCI compliance, SSL security icons, and known payment partner logos.

Clean, predictable design enhances confidence, encouraging users to complete their payments.

Mobile payment experience

More than half of global e‑commerce transactions now take place on mobile devices. That’s why creating an optimised mobile payment experience is a necessity.

Best practices:

Responsive layouts: Prioritise mobile‑first design with touch‑friendly buttons and larger form fields.
Fast‑loading flows: Preload scripts and compress images to keep transactions quick on slower connections.
Integration with mobile wallets: Offer options like Apple Pay and Google Pay for users who prefer contactless payments.

A smooth mobile flow also builds trust in markets where smartphones are the primary payment tool.

Multi‑device compatibility

Today, users switch between devices without thinking about it. They might start a transaction on their laptop, pick it up on their phone, and finish it on a tablet. Your payment gateway should work just as seamlessly.

This includes:

Device‑adaptive flows: Automatically adjust layouts for any screen size.
Persistent sessions: Allow users to begin a transaction on one device and complete it on another.
Cross‑platform security: Maintain the same encryption and trust standards across all devices.

A consistent experience reassures users and reduces drop‑off rates in multi‑device transactions.

Other crucial features that you might be missing

Some features don’t always make the headlines, but they’re the backbone of a truly excellent payment gateway.

Transparent cost presentation. Show users a full breakdown of fees, taxes, and conversion rates upfront. Use dynamic recalculations and provide a final review page before submission to eliminate surprises and boost trust.
Real‑time dashboard analytics. Provide merchants with actionable insights via live transaction data, filters, and alerts for unusual activities. Dashboards empower teams to optimise revenue streams and spot fraud early.
Seamless onboarding. First impressions count. Guided setup flows, self‑service configuration, and accessible documentation make it easy for merchants and users to get started quickly.
Encouraging user feedback. Integrate feedback loops – such as in‑flow surveys and dashboards for merchants to suggest features – to refine your customisable UI and stay aligned with evolving expectations.

These features collectively enhance control, insight, and satisfaction for both merchants and end‑users, making your payment gateway more competitive.

Wrapping it up

Building a great payment experience isn’t about adding flashy features. It’s about making every touchpoint – checkout, onboarding, dashboards – feel easy, trustworthy, and fast. If you’re looking to take your payment experience to the next level, explore how unified payments with Corefy can help you deliver exactly that – secure, adaptable, and built with users in mind.