Flexible Payment Solutions: How Leading Online Retailers Strengthen
Conversion, Trust, and Loyalty

Examples from Wehkamp, ASOS, Decathlon, Vodafone, Sixt, and EasyPark
demonstrate how flexible payment solutions deliver measurable results while
increasing customer satisfaction. Learn more about Riverty's solutions on the Buy Now Pay Later product page.

Flexibility as a Success Factor in Digital Commerce

In online retail, flexible payment solutions experience determines purchase or
abandonment. Flexible payment solutions like Buy Now Pay Later (BNPL)
installment models or wallets directly impact conversion and cart values. Merchants
offering multiple flexible payment solutions with secure options increase completion
rates while significantly reducing cart abandonment. According to the EHI Retail
Institute, over 60% of consumers in German-speaking regions prefer flexible
payment solutions allowing payment after receiving goods.

This expectation shapes checkout evolution. Statista studies show BNPL’s share in
European e-commerce grows approximately 20% annually. For current
developments in German digital payment methods, Cross Border Magazine provides
comprehensive analysis of the 2025 payment landscape. Partners like Riverty
handle flexible payment solutions including creditworthiness checks and receivables
management, keeping merchants liquid while focusing on core business. Flexible
payments build trust and strengthen long-term brand-customer relationships.

Best Practices from Leading Online Retailers

Implementation of flexible payment solutions appears most clearly where they
already succeed: at leading brands purposefully connecting checkout, trust, and
customer experience. Across sectors – from fashion through lifestyle to mobility –
these e-commerce providers prove technical efficiency and emotional trust aren't
mutually exclusive. The decisive factor: how seamlessly payment processes
integrate into the customer journey.

Riverty collaborates with merchants understanding flexible payment solutions as part of brand strategy, secure, and customer-centric. Selected examples demonstrate how these principles translate to practice – with measurable results in conversion rates, customer satisfaction, and brand loyalty.

Marketplace Specialists: Wehkamp & ASOS

Dutch marketplace Wehkamp integrates flexible payment solutions directly into the
customer journey through Riverty. Consumers select their preferred options at
checkout and maintain complete oversight of their purchases. This reduces
abandonment while increasing repurchase rates. ASOS similarly leverages Riverty
to simplify payment processes across markets. Millions of fashion customers benefit
from clear workflows, simple communication, and transparent payment terms.
Merchants retain process control while buyers experience positive, reliable payment
interactions.

Ecosystem Solutions: Vodafone, Sixt & EasyPark

Flexible payment extends beyond traditional retail. Telecommunications and mobility companies – including Vodafone, Sixt, and EasyPark – utilize Riverty to seamlessly embed payments into existing customer experiences. Vodafone deploys Riverty to simplify payments for subscriptions, devices, or services. Sixt offers customers greater flexibility with travel bookings and car rentals through plannable payments. EasyPark demonstrates intuitive payment integration in mobile applications: users pay parking fees directly via app while maintaining full spending transparency.

Closed-Loop Loyalty: Decathlon & Lifestyle Retailers

In lifestyle and sports segments, retailers like Decathlon employ flexible payment
systems to strengthen customer loyalty. Purchases often involve consultation and
higher cart values. BNPL and installment models provide customers security and
budget control. This transparency encourages repeat purchases and strengthens
brand trust. Decathlon demonstrates that frictionless, transparent payment
experiences prove essential for long-term loyalty – payment becomes integral to
brand experience.

For guidance on successful BNPL checkout integration, see the article on BNPL
integration: 5 tips for checkout optimization.

Market Trends and Consumer Behavior in European E-Commerce

Payment habits vary significantly across Europe. While Germany continues
preferring invoice payment and BNPL, Scandinavia and the Netherlands already
dominate with fully digital payment methods. Countries like Sweden, Norway, and
Finland lead in wallets and app-based payments. Southern Europe sees rapid
growth in credit cards and BNPL offerings. This diversity challenges merchants to
simultaneously accommodate multiple preferences.

For current developments and forecasts across European markets, explore the
article on flexible payment solutions and payment trends in Europe 2025.

EHI Retail Institute and Statista data show BNPL’s European e-commerce share
grows approximately 20% annually, while mobile payments already represent over
40% of revenue volume in specific markets. Riverty operates actively in these
markets with precise knowledge of country-specific requirements. This expertise
enables regional payment solution adaptation while ensuring scalability for
international brands.

For insights into age-based shopping behavior and flexible payment solutions
preferences, see Onliner’s 2025 e-commerce study.

Customer Experience – Why Payment Shapes Brand Perception

Checkout often represents the decisive moment where brand promises materialize.
Overly complex payment processes destroy trust, while clear, transparent flows build loyalty. Flexible payments significantly contribute to brand perception: customers experience brands not only through products or service but through payment process simplicity. Loading times, user guidance, and information clarity play central roles.

Baymard Institute research shows 18% of all cart abandonments result from
complicated or unclear payment processes. Flexible payment solutions from Riverty
support merchants with white-label integrations fitting brand identities while
maintaining recognition value. Checkout becomes part of brand experience –
intuitive, secure, and trustworthy.

For insights into optimized checkout’s direct conversion impact, see the article on
checkout optimization in e-commerce.

Technical Integration and Innovation in Payment Processing

Flexible payment solutions function best when merchants simultaneously retain
control and transparency. Modern systems must integrate into existing processes,
make data available, and automate workflows. Riverty enables precisely this:
merchants access relevant payment and customer data in real time, analyze trends,
and identify optimization potential. This establishes foundations for better decisions.

One example: flexible payment solutions like co-branded BNPL models consolidating multiple purchases on monthly statements. Consumers maintain payment oversight while merchants centrally manage cash flows. Technically, Riverty integrates via APIs, plug-ins, or custom interfaces. Whether shop, app, or platform – solutions adapt to different systems and company sizes, scaling with requirements.

Data Insights – How Payment Data Drives Strategic Decisions

Payment data extends far beyond transaction information, providing valuable
insights into customer behavior, preferences, and payment reliability. Merchants
structurally analyzing this data can optimize assortments, target audiences more
precisely, and steer marketing measures more effectively.

For detailed online shopping behavior statistics, see DooFinder’s 2025 online
shopping statistics.

Riverty offers real-time reports and analysis functions enabling early trend
recognition – such as rising demand in specific product categories or regional
payment behavior differences. This creates reliable decision foundations for pricing,
campaign planning, and customer retention. Simultaneously, data-driven risk
assessments minimize payment defaults. Payment thus becomes a strategic
instrument improving operations and creating competitive advantages.

Each dimension helps transform checkout from technical necessity to genuine brand
experience. Flexible payments thus become part of strategic differentiation.

For insights into how e-commerce merchants combine growth and marketplace
strategies in 2025, see Magnalister’s market analysis.

Why Riverty Partners with Market Leaders

Riverty ranks among leading European Buy Now Pay Later solution providers. Over
80,000 merchants utilize the platform for secure, flexible, and brand-appropriate
payment processing. The company unites economic efficiency with
customer-centricity and legal security.

Core Strengths Overview

• Leading brand trust: ASOS, Wehkamp, Vodafone, Sixt, Decathlon
• Scalable solutions: For retail, mobility, and telecommunications
• Compliance-by-design: Fully EU-compliant and data privacy-conformant
• Merchant-first approach: Merchants retain brand sovereignty and customer
  contact
• Real-time insights: Data-driven decisions for conversion and loyalty

This combination of flexibility, security, and brand focus makes Riverty a strategic
partner for companies understanding payment as integral to customer journey.

Flexible Payment Solutions as Part of Sustainable Commerce Strategies

In digital commerce, good products alone no longer suffice. Users expect frictionless, transparent, and secure payment processes. Merchants conceiving payment as part of brand experience increase not only revenue but brand trust. Examples from Wehkamp, ASOS, and Decathlon demonstrate flexible payment methods lead to more satisfied customers, stable cash flows, and higher repurchase rates.

Riverty supports merchants in creating payment experiences uniting efficiency,
security, and customer proximity – a combination determining long-term e-commerce success.