The State of European Checkouts in 2021


94% of the top European eCommerce businesses we analysed had at least five basic errors in their checkout, adding unnecessary friction for customers.

Close to 40% of European customers we surveyed said they have doubled or more than doubled their online shopping in the past year. While this increase in demand presents a huge opportunity for online businesses, it also puts more pressure on companies to successfully capitalise on this potential and offer the best customer experience. However, we found that some of the biggest eCommerce companies in Europe often overlook one crucial step to making a sale: the checkout flow.

Analysing checkouts across European ecommerce websites

Analysing checkouts across European ecommerce websites

Elastic Path Payments is built in partnership with Stripe. Stripe partnered with Edgar, Dunn & Company to analyse the top 800 eCommerce businesses across France, Germany, Italy, the Netherlands, Poland, Spain, Sweden, and the UK and found that 94% of checkouts had at least five basic errors. Some of the most common issues include poor card information formatting and error handling, not offering popular payment methods, and not allowing customers to save their payment method for future use. On their own, these issues may seem small. But, when combined, they add up to a needlessly difficult checkout experience for customers and lost sales.

This report analyzes the checkouts of the top eCommerce businesses in North America and details the most common checkout errors, categorized into four sections:

  1. Checkout form design
  2. Mobile optimisation
  3. Localisation
  4. Buyer trust and security

The report also explores why these checkout issues matter, how to prevent them from happening in your checkout flow, and how Elastic Path Payments, powered by Stripe, can help.

1. Checkout Form Design

European customers expect a fast, intuitive payment experience, with 21% saying they would abandon a purchase if it took more than one minute to check out. However, 44% of customers we surveyed said that, on average, it takes them more than three minutes to complete a purchase and 17% blame a long and complicated checkout as the reason for abandoning an order in the past year.

The highest performing checkouts are made up of dozens of small optimisations executed seamlessly. For example, displaying descriptive error messaging when customers enter the wrong payment information, supporting address auto-complete, and allowing customers to save their payment information for future use. In a separate Stripe study, we found that offering address auto-complete can increase conversion by close to 0.8%, and using specific error messaging can increase retry rates following a decline by as much as 3.5% (for example, changing the message from “your card was declined” to “your card was declined. Try a different card”). These increases may seem small, but they can quickly add up—especially for ecommerce businesses with high transaction volume.

The Top Four Checkout Form Errors

  • 42% of top businesses made at least three mistakes when formatting payment information or displaying error messages—these mistakes include not alerting customers when they entered an invalid card number or tried to pay with an expired card
  • 61% didn’t support address auto-complete and 9% supported neither address auto-complete nor native auto-fill
  • 10% of checkouts didn’t default to letting customers use their billing address as their shipping address
  • 75% didn’t allow customers to save their payment information for future use

Native Auto-Fill

Checklist: How to Design an Optimized Checkout Form

2. Mobile Optimization

Thirty-seven percent of customers we surveyed said they do more than half of their shopping from a mobile device, with 58% saying it’s “very” or “extremely” important for a website to be mobile-friendly. If your checkout flow isn’t tailored to a smaller screen—for example, if the checkout page doesn’t automatically adjust to the size of the device—customers are more likely to abandon the checkout flow completely. In fact, while more than 50% of eCommerce traffic comes from smartphones, carts are abandoned on mobile at more than twice the rate of desktop.

Almost all the checkouts we analysed understood the importance of a mobile-first shopping experience, with 99% of checkouts adapting to a mobile screen size. This was an increase from a similar study we ran in 2020, when 96% of checkouts we analysed adapted to a smaller screen. However, this wide-spread adoption of mobile best practices only applies to the top eCommerce businesses. When we surveyed customers, 8% said they abandoned a purchase in the past year due to a lack of responsive formatting. This suggests that mobile optimisation is not yet a best practice in the eCommerce industry as a whole.

Supporting digital wallets, such as Apple Pay or Google Pay, can help expedite the shopping experience on mobile. A separate Stripe analysis found that more than 25% of European customers have either Apple Pay or Google Pay enabled on their device, creating the opportunity for businesses to offer a one-click payment experience that, on average, is three times faster than having to manually enter payment details.


The Top Three Mobile Optimization Errors

  • 89% of checkouts we analyzed did not support Apple Pay
  • 85% of checkouts did not support Google Pay
  • 20% failed to surface a numeric keypad to enter card information on mobile


Highest Penetration of Digital Wallets

Highest Penetration of Digital Wallets

Checklist: How to Optimize for Mobile


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3. Localisation

While European businesses have more opportunities to reach global shoppers, it can also be challenging to identify the right payment methods and currencies for your customer base. For example, 15% of customers we surveyed said they abandoned a purchase in the last year because their preferred payment method wasn’t available. As a result, businesses should adapt the payment methods they offer to their customer’s location. For example, only 40% of online payments in Europe are made using debit or credit cards—bank transfers are the most popular payment method in Germany and almost one-third of Italian customers prefer to pay with a digital wallet.

Impact of accepting popular European payment methods on sales in Germany, the Netherlands, Austria, Poland, and Belgium

Impact of accepting popular European payment methods on sales in Germany, the Netherlands, Austria, Poland, and Belgium

We estimated the increase in net-new sales that could result from adopting a local payment method. We first predicted a business’ sales volume if they had never adopted that payment method. Then, we analysed the difference between actual sales volume and our predicted volume.

Offering the right payment methods can significantly increase conversion rates and reduce costs. In a separate Stripe study, we analysed the impact of accepting popular European payment methods in Austria, Belgium, Germany, the Netherlands, and Poland. By enabling these methods, businesses saw a 40% incremental increase in sales and transaction fees were reduced by 0.4 percentage points (while these cost-savings may sound small, they can quickly add up).

Supporting the right payment methods doesn’t only apply when expanding internationally; it can also be a way to offer your customers extra flexibility and convenience, especially for larger purchases. For example, buy now, pay later services let customers immediately finance purchases and pay them back in fixed installments over time, and can result in an increase in sales.

Buy now, pay later payment methods 

Buy Now, Pay Later Payment Methods

We found that the best checkouts focused less on the number of payment methods supported and more on offering the right combination of payment options. This is reflected in our analysis, with the majority of eCommerce companies offering a total of four payment methods in addition to international cards. When we looked at the top eCommerce businesses with a presence in multiple markets, the number of payment methods they offered did not increase. Instead, they successfully adapted their payment methods on a per-country basis to optimise for local conversion. For example, the same eCommerce business would offer giropay for German customers, iDEAL for Dutch customers, and Przelewy24 for Polish customers.

Local Payment Methods Among Top European eCommerce Businesses

Local Payment Methods

Checklist: How to Localize Your Checkout Experience

4. Buyer Trust and Security

The customers we surveyed said a “secure” website had the biggest impact on a “positive” shopping experience, and 11% said they have abandoned a website in the past year because it didn’t seem secure. However, going through additional security steps after customers confirm an order adds extra friction and negatively impacts their experience.

As a result, businesses have to find the right balance between validating a customer’s identity and managing strong customer authentication (SCA) requirements when required by the cardholder’s bank, and adding too many steps in the checkout flow that could lead to lost sales.

Ecommerce businesses can promote buyer trust and security during the account creation process prior to checkout. For example, allow customers to check out as a guest, reducing the amount of personal information you collect and store. If you do require customers to log in to complete a purchase, give customers the ability to connect to their existing social media accounts. This keeps their personal information stored in the social media profile, rather than on your website, and helps expedite the checkout process.


The Top Three Buyer Trust and Security Errors

  • 41% of checkouts did not allow customers to checkout as a guest
  • 85% did not allow customers to create an account by connecting to a social media profile
  • 8% did not display an order summary that could be easily adjusted


Checklist: How to Increase Buyer Trust



Checkout Best Practices for Global Subscription Businesses

An increasing number of companies are turning toward subscription models as they offer the ability to create a reliable revenue stream. In addition, consumers have grown accustomed to signing up for digital subscriptions, with our survey showing that, on average, European consumers pay for two active subscriptions.

Like eCommerce companies that process one-time payments, subscription businesses should prioritise the same checkout optimisations we’ve covered: form design, mobile, localisation, and buyer trust and security. However, there are additional optimisation opportunities that are unique to subscription businesses..

The Top Three Checkout Best Practices for Subscription Business

  • 44% offered a free trial
  • 53% let customers enter a coupon code directly on the checkout page
  • The majority of subscription businesses offered reusable payment methods, such as wallets and direct debit

How Elastic Path Can Help

Our analysis shows that basic checkout issues are widespread, even among the top companies in Europe that likely have dedicated teams focused on conversion rates.

When optimizing your checkout flow, you could try to prevent issues on your own or divert development resources to focus solely on your checkout experience. Or, you can leverage an optimized payment integration like Elastic Path Payments.

Benefits of Elastic Path Payments include 30% higher checkout completion rates, increased payment acceptance, and lower fraudulent transaction rates. Elastic Path Payments addresses every stage of the checkout process, ensuring brands are ready for success. Features include:

  • Seamless online checkout: Offer a checkout experience in 25+ languages, 135+ currencies, and dynamically show the payment methods most likely to improve conversion. Provide up to a 46% increase in sales after enabling local payment methods.
  • Fraud management: Increase top-line revenue with decreased false positives on credible transactions. Every year, businesses lose an estimated 3% of their revenue due to false declines.
  • Network-wide acceptance: Avoid declines due to network issues or unrecognized cards with automated re-tries and credentials updates.
  • Powering global brands: Offer payment acceptance in 185 countries and 135+ currencies.
  • Best-in-class security: Compliance with the most current standards, including PCI DSS Level 1, PSD2 (EU), and SCA.
  • Unified reporting: Centralized dashboard for real-time metrics reporting.
  • Payment methods for all business models: Subscriptions support, Alternative Payment Methods (wallets like Apple Pay, Google Pay, etc.), Buy Now Pay Later payment methods, POS machines, and more.

Thinking about re-evaluating your checkout experience? Reach out now to learn how we can partner with you to help you create a seamless checkout experience for your customers, increase revenue and achieve your digital commerce goals.


In 2020, we analysed 450 of the top eCommerce companies in seven European countries (France, Germany, Italy, the Netherlands, Spain, Sweden, and the UK). In 2021, we expanded our analysis to include more ecommerce businesses as well as subscription businesses, more European countries, and new testing criteria, including errors related to buyer trust and security.

In this 2021 report, Stripe partnered with Edgar, Dunn & Company to select the top 100 ecommerce websites (for a total of 800) in France, Germany, Italy, the Netherlands, Poland, Spain, Sweden, and the UK based on online sales volume from Statista. Adult entertainment platforms or online gambling websites were not included in the analysis. After determining the relevant websites, each one was tested for pre-defined errors by placing a product in the shopping cart to simulate an online purchase and, in some cases, using a VPN to complete the checkout process to mimic customers based in different countries. Checkouts were tested for a total of 26 criteria related to checkout form design, mobile optimisation, localisation, and buyer trust and security.

We also analysed the top 200 global subscription companies based on online website traffic from Crunchbase, focusing on B2C subscription websites offering digital content.

Lastly, we surveyed 800 consumers in Europe to uncover insights around current shopping behaviours and trends, payment preferences, and factors that affect the checkout experience.


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