How do I set up mobile payment as payment?

Why is mobile payment important for your online store?

Mobile payment has become an essential part of everyday life when it comes to payment. Almost everyone has it, and many prefer to use it because it's easy and fast. If you want to run a successful online store, it's therefore almost a requirement to be able to accept payment via mobile payment. It gives your customers a good experience and can increase your sales because it removes a barrier to purchase.

Understand the difference: Mobile payment for private vs. mobile payment for businesses

It's important to distinguish between the mobile payment you use privately to send money to friends and the solution you need to use for your online store. For your online store, you need to use a business solution, typically called Mobile Payment Business or Mobile Payment Online. This solution is designed to handle many transactions, gives you an overview of sales, and ensures the money lands safely in your business account.

The three ways to set up mobile payment on your online store

There are basically three ways to get mobile payment as a payment option on your online store. We guide you through them here so you can choose the solution that best fits you and your business.

1. The integrated solution (the easiest path for beginners)

The absolutely easiest way to set up mobile payment is to choose an online store solution that already has a built-in payment solution that includes mobile payment. This removes all hassle with making separate agreements and integrating different systems.

• How it works: You create your online store, and the payment solution (including mobile payment) is ready to use immediately or only requires a few clicks to activate. Everything is in one place, often with one transparent price.
• Advantages:
  • No separate agreements with banks or payment providers.
  • Very quick setup – often just a few minutes.
  • All administration (payments, orders, support) is in one place.
  • Often lower technical complexity.
  • Transparent and all-inclusive prices.
• Recommended for: Everyone who wants a simple and user-friendly solution without technical headaches. This is the solution that, for example, GoShup.com offers with its built-in payment solution, GoShupPay, where mobile payment is a natural part of the package from the start.

2. Through an external payment gateway

This is the traditional way to get mobile payment on an online store if your online store platform doesn't have a built-in solution. A payment gateway is a service that connects your online store with your bank and mobile payment.

• How it works: You need to enter into agreements with at least two parties: an acquirer (that processes the payment from the customer's bank account to yours) and a payment gateway (that ensures communication between your online store, the acquirer, and mobile payment). Then you need to "put the systems together", often via technical integrations.
• Advantages:
  • Great flexibility in choice of providers.
  • May be necessary for very large or specialized online stores.
• Disadvantages:
  • Requires separate agreements and setup.
  • Potentially higher startup costs and complex price structure.
  • Setup can be technically demanding and often takes longer.
  • Support is distributed across multiple parties.
• Recommended for: Experienced online store owners who have specific requirements for their payment solution and aren't afraid of technical setup.

3. Manual mobile payment (not recommended for online stores)

This method involves asking the customer to transfer money via mobile payment "privately" or to a mobile payment box solution, and then manually confirm the order.

• How it works: You show your mobile payment number on the online store and ask customers to transfer the amount. When you see the money has been received, you need to manually mark the order as paid and send the goods.
• Advantages:
  • No fees beyond mobile payment's standard prices for mobile payment box (if used).
  • Very easy to get started with for very small, informal sales.
• Disadvantages:
  • Not automatic – requires manual check and confirmation of each order.
  • Poor customer experience – customer doesn't get an automatic receipt and must trust that you check.
  • No integration with your accounting.
  • Very time-consuming and unmanageable if you get just a few orders per day.
  • Appears unprofessional and can damage trust in your online store.
• Recommended for: Absolutely not for professional online stores. Only for individual sales between private individuals or very small hobby projects without a desire to scale.

Considerations before you choose

When you need to choose how to set up mobile payment, you should consider the following:

Conclusion: Choose the easy path to mobile payment

For most new online store owners and small businesses, the integrated solution is the most sensible and easiest way to get started with mobile payment. It saves you time, money, and frustrations and lets you focus on what's most important: selling your products and giving your customers a fantastic experience.