Enabling Multiple Payment Gateways in Single Checkout for Adobe Commerce

Subscription businesses limit conversion by relying on only a few gateways for their ecommerce store. Lesser gateways mean lesser payment options, and limited market coverage. This turns away customers interested in your products, but preferring a payment method you don’t support.

Adobe Commerce’s built-in checkout restricts gateways for subscription stores. It largely favors recurring billing through PayPal and demands extensions or custom implementation for the rest of the gateways. This may deter potential subscribers seeking alternatives such as Google Pay.

Fortunately, SubscriptionFlow has the solution to this. It integrates with Adobe Commerce as a subscription management software, and lets merchants enable as many gateways as they want. Let’s find out how.

Why Payment Flexibility Matters in Adobe Commerce?

eCommerce is global. Most merchants design their Adobe Commerce stores to reach international subscribers. But intentions alone are not enough. They need to facilitate global sign ups by aligning their checkout with global needs too.

The checkout process is the last step after which a shopper turns into a subscriber. Customers reaching this last step are likely interested in your subscription services. But if they end up not completing the checkout, there are several reasons for that. Limited payment method support being the chief among them.

Each region has its own set of payment gateways and methods popular among its people. To target customers from those regions, making their preferred payment methods available is necessary. Otherwise, the checkout is likely to drive them away.

Moreover, there’s another problem limited gateway support brings to the table: more payment failure chances. Now imagine a customer that actually chooses from the few options provided and pays. But their payment fails due to some gateway issue.

Even worse, their payment gets deducted from their account, but doesn’t land into the merchant’s. It gets stuck in the gateway, and is refunded to them a few days later. That doesn’t only drive the customer way, but also damages their trust in your store.

In order to prevent such scenarios from occurring, Adobe Commerce merchants must make payments more flexible. And that isn’t possible without multi-gateway functionality.

The Problem? Adobe Commerce’s Native Checkout

Adobe Commerce is known for supporting more than 20 payment gateways. But, they are not for subscription businesses to use flexibly. There are many limitations that the native checkout poses. Firstly, it restricts one subscription to one gateway. Customers can’t choose to pay using any other method than the one they selected at checkout.

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If they want to change payment method, businesses have to find workarounds for them. Such as cancelling and re-subscribing through another gateway. This is a big pain point for merchants, as they might end up losing their customers in the process.

What’s more, recurring billing isn’t supported through each gateway equally. Adobe Commerce supports recurring payments through PayPal the best. The other methods linked to the native checkout, like Apple Pay, either lack this functionality completely, or support it in a limited way. They fit one-time purchases better.

Another major limitation of Adobe Commerce is its lack of gateway fallback logic. And this can be problematic as gateways don’t work flawlessly all the time. They also experience downtimes due to maintenance or other issues, and that typically happens without prior warning.

This means that if a payment fails at checkout due to gateway failure, there are no backup gateways to re-route it. If the initial failure makes the customer lose trust, they are likely not going to try the payment again. And such failures can cost merchants potential high-revenue clients as well.

The Solution? SubscriptionFlow’s Custom Checkout

So what if the native checkout is limiting? SubscriptionFlow facilitates Adobe Commerce merchants with its custom checkout. With this checkout they can have multiple payment gateways under one roof. And they can use all of them for accepting recurring payments at the same time.

This is what merchants unlock:

Easy payment method switching

Remember how it was increasingly difficult to change payment method in Adobe Commerce? With custom checkout, it becomes a piece of cake. SubscriptionFlow gives customers their own service portals where they can change their payment method without any help from the merchant.

Since billing is automated, customers aren’t required to authorize payment again and again. Their new method is charged just as seamlessly as their previous one.

Automatic fallback logic

With this feature, gateway failures are no longer scary. That’s because there are numerous other gateways that the merchant can rely upon. So even if one gateway fails, the customer’s payment still becomes a success because it is instantly re-routed through another. Customers don’t go through any friction. Their payment experience remains smooth and intact.

Smart payment routing

Merchants can set up various gateway rules in SubscriptionFlow. They can then rely on the system to carry them out automatically. For example, they can prioritize certain payment methods for customers belonging to certain regions.

If the customer is signing up from the US, they can be shown Venmo in the top payment options on checkout. But if they are from China, they can be shown WeChat Pay on the top instead. This smart gateway allocation ensures that the checkout is localized for all the customers using it. And that the customers can easily spot their preferred method as soon as they choose to pay.

Support for failed payment retries

Most gateways don’t support failed payment retries on their own, but only if integrated with subscription management software. When customers sign up through its custom checkout, SubscriptionFlow saves their payment methods. These payment methods are then also used to retry failed payments via multiple gateways.

What this means is that when a subscriber’s payment fails, the system charges their chosen method repetitively. The frequency of payment retries is selected by the merchants themselves. Retries ensure that the failed payment is automatically collected as soon as it becomes available in the customer’s account.

Activation of all payment methods

There is no limit to how many payment methods the merchant can enable at checkout. SubscriptionFlow allows them to activate all its supported methods at the same time. Through this option, they can display all the available payment options for international customers at once. Customers can choose the one of their liking and proceed to pay.

When this option is enabled, the software automatically allocates the right gateway for each payment option chosen by the customer.

What Merchants Gain from Multiple Gateways in Single Checkout

This is how merchants benefit from the multi-gateway functionality:

Easier international expansion

It is important to localize each customer’s ecommerce checkout experience to encourage them to subscribe. Offering payment methods native to each region, or the most popular in each region helps with that immensely. It immediately fosters trust in customers as they get to pay using options that they love, and find secure.

Higher conversion

The more payment gateways linked to the checkout, the more payment options there are to be offered. And with more payment options enabled, merchants can expand into new regions and attract more conversions.

Lower payment failure rate

Payment failure rate can be lowered to a great extent using multi-gateway functionality smartly. Merchants can enable automatic gateway fallback and payment retries in their subscription management app. Merchants can also request customers to change to a different payment method when there are problems with their existing method.

Reduced costs with smart gateway allocation

Gateway settings can be programmed by the merchants, and specific gateways can be assigned to orders over a specified amount. This would ensure that high-value orders are processed via gateways with lower processing fees. So merchants can maximize profit retention.

Convenient payment options like BNPL for customers

With custom checkout, merchants can offer payment options like Klarna as well. Even though Klarna doesn’t function like a normal recurring payment method, customers in need can still use it to split their payments, and pay over time. They can later switch to other payment methods in their portal, and start paying recurring payments automatically.

Tired of native checkout limitations? Get SubscriptionFlow’s custom checkout for your Adobe Commerce store—and start accepting payments across multiple gateways instantly.