Card payments in an online store

A customer paying by card has already decided. All that stands between them and the payment are the steps on the payment page, so every superfluous step and every error at that point cuts turnover directly.

SoftCave platform executive report: business indicators, channel efficiency, sales funnel drop-off and delivery risksCOMMERCE INTELLIGENCE | EXECUTIVE EMAIL BRIEFRecipient: Owner / Managing DirectorSTRATEGIC FILTERS & BUSINESS RULESRule: High Traffic / Low ConvFunnel Leak: Checkout drop > 40%Risk: cash-on-delivery returns > 8%Monthly report (May 2026)Export PDF report1KEY BUSINESS INDICATORS (EXECUTIVE KPI SNAPSHOT)REVENUE REALISED (ERP)0 €32.400 €76.850 €114.200 €138.900 €142.500 €▲ +8.2% (vs GA4 ordered: €158k)NET CONTRIBUTION (MARGIN - ADS)0 €6.500 €15.800 €23.400 €28.200 €Gross margin: €44,745 (31.4%)BLENDED CAC / AVERAGE BASKET0.00 € / 0.00 €2.10 € / 45.00 €4.50 € / 61.20 €5.42 € / 68.50 €CAC/AOV share: 7.9% | Free delivery threshold: €80ORDER FULFILMENT RATE0.0%42.5%68.0%81.3%88.4%▼ 11.6% cancellations / 4.2% courier returnsPOAS (PROFIT ON ADS)0.00x1.20x2.15x2.85xROAS: 4.8x (Healthy cash flow)2CHANNEL EFFICIENCY AND ACQUISITION PROFITABILITYCHANNELSESSIONSCONV. %REALISEDROASPOASSTRATEGIC DECISIONPaid Search (Google)42.500 (34%)2.45%42.470 €4.8x1.62xScale budget +15%Paid Social (Meta)35.000 (28%)1.18%24.700 €2.4x0.88xReduce / switch off ad setOrganic Search (SEO)27.500 (22%)3.10%38.250 €--Strengthen SEO categoriesEmail / loyalty base13.750 (11%)5.20%23.200 €14.2x4.80xIncrease frequencyDirect / Referrals6.250 (5%)2.80%8.380 €--Track retentionOwner's view: Email brings the highest net margin at minimal CAC. Meta campaigns need their audience reviewed.3ECOMMERCE FUNNEL DROP-OFF (GA4)1. PRODUCT VIEWS125,000 sessions100%2. ADD TO CART10,500 sessions8.4%3. INITIATE CHECKOUT5,460 sessions4.3%4. PURCHASE3,047 orders (Overall conv: 2.43%)▼ Drop-off 91.6% (adds to basket: 8.4%)▼ Cart abandonment: 48.0% (delivery costs)▼ Checkout drop-off: 44.2% (mobile form)Profit lost at checkout: ~€18,500 in potential margin lost at the checkout step.4PROMOTION RANGE AND STOCK HEALTH[HIGH TRAFFIC / LOW CONV]SKU: 4892 - Tech Pro winter jacket1,420 visits | Conv: 0.42% | Stock: 84 pcs | Capital tied up: €4,200Decision: Cut the price by 10% to speed up turnover and free up cash flow.[HIDDEN GEM / HIGH MARGIN]SKU: 1042 - FastCharge wireless charger180 visits | Conv: 6.20% | Gross margin: 42% (€18 per unit)Decision: Move to position #1 in the category and increase the Google Shopping budget.[DEAD STOCK / NO SALES > 60 DAYS]14 SKUs (seasonal products)Total tied up at cost price: 12.450 € with no working capitalDecision: Create an outlet bundle and free up warehouse space.[RETURNS & MISSED DEMAND]SKU: 7711 (S3 trainers - returns 24%) | Enquiry: two-piece black412 searches with no results (estimated loss ~€3,200 in turnover)Decision: Fix the size chart for SKU 7711; add the requested range to purchasing.5CHARTS: DEVICES & COURIER RISK BY CITYDevice imbalance: share of visits vs revenue realisedVisits (%)Revenue (%)Mobile74% visits40% of revenueDesktop26% visits60% of revenue! Owner risk: 34% of revenue lost on phones because of how long checkout takes.Courier risk: rate of refused cash-on-delivery parcelsTOLERANCE THRESHOLD (8%)Belgrade2.1% (48% of shipments)Novi Sad2.8% (18% of shipments)Kragujevac4.2% (10% of shipments)Niš & South9.4% OVER THRESHOLDCash flow protection: SMS verification for cash on delivery enabled for red-zone cities (>8%).

We connect the store to the payment system of the bank you already work with. Card details never pass through the store - the customer enters them on the bank's page, and only the outcome of the transaction comes back, tied to the order at once.

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What you actually get

Collection through your bank

We work with the payment system of the bank you already use. We do not impose an intermediary and do not change the terms you negotiated.

Confirming the customer's identity

The transaction goes through 3-D Secure confirmation, which shifts liability for a disputed transaction to the card issuer. That is protection for you, not a formality.

Payment in instalments

Above an amount you set yourself, the customer is offered payment in instalments. You set the threshold in the admin panel, by basket value.

Payment outcome tied to the order

Successful, declined and abandoned transactions change the order status on their own. It does not happen that goods leave while the payment never went through.

Several payment methods in the same basket

Card, cash on delivery, bank slip and payment against a proforma invoice sit side by side. The customer chooses, and everything is recorded in the same place for you.

Common questions

Do card details stay with us?

They do not. The customer enters them on the bank's page, and the store receives only the outcome of the transaction. That also removes most of the obligations around storing payment data.

What do we need in order to accept cards?

A contract with the bank for internet payments. The bank issues access credentials for the store, and we handle the connection and testing.

Is a card payment fiscalised?

It is, and as a card payment. The payment method carries over to the fiscal receipt, so the record matches the bank statement.

Can we refund the customer through the system?

A refund is started from the order and recorded against it, accompanied by the matching fiscal document.

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Want to know how this works in your case?

For a first estimate we need the number of items, your suppliers and the system you use today. The call takes fifteen minutes, after which you get scope, price and timeline.

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