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426

Why do credit card forms ask for Visa, MasterCard, etc.? The simple answer is that 10-20 years ago, no one knew any better and it sort of just became the convention. A slightly more complex answer indirectly deals with PCI (Payment Card Industry) compliance. If you want to accept credit cards online, you have to have an IMA (Internet Merchant Account). ...


60

This is also a way to let the user know which cards are supported by the merchant. If you only see Visa and Mastercard options available, you won't pull out your Amex and punch all the numbers in just to have the site tell you they don't accept Amex. Many sites do not accept Amex or Discover because of the extra fees they charge for processing. Users with ...


44

It probably is possible to design a system that figures that out on its own but it isn't great systems design to set it up that way. Different cards have different numbers of digits and it is best to explicitly state how the system should parse the values and number of digits it should expect. In the case of an error, it makes error handling easier as well. ...


20

You are making an assumption that everyone using the web are as computer-literate or technical experts as you. But as a UX designer you should also cater for those who are the complete opposite (and there's an accountable amount of them out there). Selects put strict constraints on the input, by that reducing errors. Experts won't mind selects of this type ...


13

My answer won't be voted up but you need this one if people from China is in your customer base, which is roughly 20% of earth's population. Most online transactions in China are though 'Union-pay' system in a certain stage, and most of them are not mastercards, none are VISA cards (due to some nasty competition issue between UNIONPAY and VISA). It is ...


12

The reason so many e-commerce flows put credit card info last step is because it's a type of gradual engagement. By putting the "easy" stuff first (name, email address, etc... the stuff the user doesn't have to think about), you ease the user into the checkout flow. Because they're already committed to to the process, abandonment is far less likely when the ...


7

The last time I paid an invoice with PayPal it automatically detected the type of card I was entering. I was a bit surprised to not have to enter my card type but I was reassured after seeing the correct card type highlighted. TL;DR the whole thing but here is an article with a few other examples I found after a quick search: ...


6

Many early e-commerce systems were fairly unsophisticated and were just text boxes that passed payment data along, so they had to record the card type to pass along to the payment processing system. I think that has just become a standard that has stuck. Payment processing systems need to know what type a card is so that they can pass it on to the relevant ...


6

It sends a signal on which payment methods you're accepting. Arguably, it could be equally well-accomplished by displaying the logos, but this way the customer who tends to ignore any extra information and immediately proceeds to fill in the numbers won't be told "Sorry, we don't accept Discover round here" after they've gone through the whole process of ...


6

The fact that your credit card has been issued by Mastercard, Visa or American Express is not necessarily related to the method of payment. While this is true for chip-less cards, it is not for cards which embeds a chip. The Europay Mastercard Visa (EMV) standard specifies how the chip should behave, and one of the features of these chip is to support ...


4

Many of the answers I've seen have been very enlightening but I want to throw another angle based on my own experience. Many forms which are prevented to the user to collect money need to be signed off by banks and financial institutions involved. These often have very strict guidelines surrounding layout and format of the fields. Any deviation from this ...


1

Overage and Prepaid are at the foundations of the hated mobile phone pricing model, which users perceive as intentionally deceitful and unfair. The user feels forced to spend more than they should in order to avoid penalizing overage charges. They also invite some users to play games with the limits, which causes friction. Confusing and onerous billing ...


1

I agree w/ Todd above. This is just opinion, but it seems to me that in this case the address info is supplemental to the credit card info, and deserves second positioning. Might be different where billing/shipping both to be involved.


1

It would not surprise me if return on investment (ROI) became a stronger influence on pricing because many project goals are simply to increase ROI. From a client’s perspective, quality would be rightly rewarded while UX specialists can offer services at a lower rate but with ROI bonuses written into the contract. I’ve never been involved in any such ...


1

The two things your email needs to do is present the list of goods that need to be paid for and encourage them to then pay, right? That's what I'd focus on. An important consideration may be the length of the item list. If a customer picks up 350 items, it's probably best to list the first 20 and then give them a link to your site to see the complete ...


1

I think emphasizing the discount is what works, at least it seems to be the pattern. Most e-commerce sites show you the full price, then the discount.


1

It might depend on what processing you are doing with the credit card info. In many cases, the verification of the credit card requires address information for verification. If you are doing this using ajax, it makes sense to ask for the address information first. In many traditional applications, the address information is asked for on an earier page, and ...



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