Paying online used to mean entering card details and hoping nothing timed out. Now, many shoppers complete purchases with a tap or face scan. Digital wallets are reshaping expectations—and while you don’t need to adopt every trend, understanding this shift can help your webshop stay aligned with how customers prefer to pay.
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At its core, a digital wallet stores payment information on a device. Think Apple Pay, Google Wallet, or local services like MobilePay in Denmark and Vipps in Norway. Aera has also developed white labelled wallets that fuel local applications like Coopay and Trumf Pay. In these wallet customers confirm payments with a fingerprint, FaceID or passcode, instead of manually entering card details or tapping their cards.
Adoption varies by region and demographic, but the trend is clear: in Northern and Western Europe, digital wallets are becoming a standard way to pay online.
Many webshops assume that offering one or two card options is enough. And for some customers, it still is. But preferences are shifting. Increasingly, buyers expect to see their preferred wallet—especially on mobile.
Digital wallets aren’t replacing traditional methods, but they are redefining what “convenient” means. And when convenience becomes an expectation, not offering it can quietly drive customers away.
That doesn’t mean you need to support every new method right away. But it does mean you should review your mobile checkout experience:
Digital wallets include built-in security features like tokenization and biometric authentication, which help reduce risk. Most customers don’t know the technical terms—but they trust systems that are quick, familiar, and don’t require them to re-enter card info.
For merchants, much of the security responsibility falls to the wallet provider. That’s a benefit, not a burden. Still, understanding how wallets limit exposure to sensitive data is valuable.
Digital wallets won’t replace all other payment methods overnight. Many shoppers—especially in B2B or older demographics—still prefer cards or invoices. But wallets are becoming a fixture, particularly in mobile commerce and for returning customers.
For small and mid-sized shops, the goal isn’t to chase every trend. It’s to stay informed and make smart, incremental improvements.
Sometimes that means adding a new payment option. Other times, it’s about making sure your current checkout doesn’t stand in the way.
Thinking about offering digital wallets? You don’t need to overhaul your entire checkout. Start with these questions:
These insights help determine whether adding a wallet improves your customer experience—or just adds complexity.
Also review your current checkout flow. Even without new technology, simplifying steps or removing friction can lift conversion rates.
If you work with a payment provider, check what wallet integrations are already available. Many can be enabled with minimal setup—no need to replace your existing methods. Wallets typically sit alongside cards, invoices, or regional options like iDEAL or Bancontact. You can view our options here.
Finally, remember: payment preferences differ by country and age group. What’s critical in one market may be irrelevant in another. If you serve multiple regions, flexibility is more important than following a single trend.
Please get in touch if you want to learn more.
Hos Aera Payment and Identification gjør vi betalinger og ID-tjenester enkle, sikre og sømløse. Våre løsninger gir bedrifter mer kontroll over transaksjoner og data — enten det er i butikk, online eller gjennom digitale lommebøker.
