Find the payment gaps in your online checkout

How this works

Most checkout audits look at page design. This one looks at payments: the methods you accept, how your gateway connects to your cart, how subscription renewals are handled, and how fraud is screened.

The analyzer scores five areas. Wallets checks for Apple Pay and Google Pay, which let phone shoppers pay without typing a card number. ACH checks whether customers placing large orders can pay by bank transfer, which matters most for wholesale and high-ticket stores. Subscription billing checks two settings that affect failed renewals: whether stored cards update automatically when a customer gets a new card, and whether declined renewals are retried on a schedule. Gateway and cart fit checks whether you know what processes your payments and whether it has a supported path into your cart. Fraud screening checks address and security code verification plus filters such as velocity and order amount limits.

Each area is scored with simple, published rules, so you can see exactly why something is red or yellow. The tool does not compare you to a benchmark abandonment rate, because those numbers vary widely by industry and by how they are measured. Instead, the optional what-if lets you enter your own recovery percentage and shows what that would mean in monthly and annual revenue, clearly labeled as your assumption.

Use the results as a to-do list. Red items usually take a settings change or a conversation with your gateway or cart provider, not a rebuild. Fix one, measure your checkout completion and renewal success for a few weeks, then move to the next.

The scoring rules

• Wallets: green if Apple Pay and Google Pay are both offered, yellow if one is, red if neither is or if your checkout doesn't accept cards (wallets run on card acceptance).
• ACH: green if you offer bank payment, or if orders rarely top $1,000 and you are not B2B. Yellow if orders sometimes top $1,000. Red if they often do or you sell B2B.
• Subscription billing: account updater points (yes 0, not sure or blank 1, no 2) plus retry points (tuned to decline reason 0, platform default, not sure, or blank 1, no retries 2). 0 is green, 1 to 2 yellow, 3 to 4 red. Gray if you don't sell subscriptions.
• Gateway and cart fit: red if you don't know your gateway. Yellow if it is "other," or if a custom or other cart says it uses built-in payments. Otherwise green.
• Fraud screening: AVS/CVV points (both on 0, one on or not sure 1, neither 2) plus filter points (configured 0, not sure 1, none 2), plus 1 for high-risk businesses without configured filters. 0 is green, 1 to 2 yellow, 3 or more red.
• Buy now, pay later is shown for information only and is not scored.
• What-if math: with an abandonment rate a (capped at 95%), abandoned revenue = monthly revenue × a ÷ (1 − a), and your recovery percentage is applied to that. Without a, your percentage is applied to monthly revenue. The renewal what-if applies your percentage to failed renewals × average renewal charge.

Assumptions behind the numbers

• Industry average effective rate by business type: retail 2.55%, restaurant 2.75%, ecommerce 3.15%, services 2.90%, healthcare 2.65%, b2b 2.80%, high_risk 4.25%. Source: TouchSuite internal estimate table (ESTIMATE ONLY, placeholder to be replaced before launch); used only for the card cost per $1,000 order example.
• Large order threshold: $1,000 per order. Source: Tool design cutoff chosen for simplicity; not an industry standard.
• Value of abandoned checkouts: Abandoned checkouts are assumed to have the same average value as completed orders. Source: Simplifying assumption of this tool.
• Abandonment rate cap: Maximum 95% in the formula. Source: Tool safeguard to prevent extreme results from a near-100% entry.
• Recovery percentage: Entered by the user. Source: User's own assumption; not a benchmark or a TouchSuite claim.
• What-if table levels: 1%, 3%, 5%, 10%. Source: Illustrative levels chosen by the tool; not benchmarks or expected results.
• Scoring points and thresholds: Point values and green/yellow/red cutoffs as written in the logic. Source: TouchSuite editorial judgment for prioritization; not derived from industry data.
• High-risk fraud adjustment: +1 fraud point for high-risk businesses without configured fraud filters. Source: TouchSuite editorial judgment.
• Fix plan tie-break order: Gateway fit, subscription billing, wallets, fraud screening, ACH. Source: TouchSuite editorial judgment: gateway fit comes first because it affects how the other fixes are set up.

Estimates are based on published industry averages and are not a quote. Actual rates depend on card mix, ticket size, industry, and underwriting.

Frequently asked questions