When it comes to digital commerce, success hinges on how many customers complete their purchase — not just who visits your product pages. As brands scale across channels and devices, their commerce platforms must evolve in parallel, and that means rethinking one of the most overlooked yet impactful areas: payments.

For merchants using Adobe Commerce and Magento Open Source, the checkout experience is not just a technical step in the funnel — it’s a brand moment. A poor experience here can undo the trust and intent built through the rest of the buyer journey. For businesses seeking to modernize, simplify, and future-proof their operations, embedding payment capabilities directly into the commerce platform can unlock operational agility, reduce friction, and turn payments into a growth lever.

The hidden cost of friction.

Friction during checkout doesn’t always scream for attention. Sometimes, it’s subtle — a slow-loading payment form, lack of preferred payment methods, or extra steps during account creation. But the cost is real. Studies show that nearly 70% of online shopping carts are abandoned and friction in the final step is one of the biggest contributors.

Adobe Commerce users are often managing more than just product listings — they’re navigating complex catalogs, multiple customer segments, international markets, and omnichannel fulfillment. In this environment, payments can either become a bottleneck or a bridge.

Frictionless commerce starts by removing obstacles. It means aligning checkout with how customers actually behave, not how systems are traditionally set up. Whether that’s enabling Apple Pay or ACH, simplifying subscriptions, or allowing stored payment methods for faster repeat purchases, the goal is to let the customer complete the transaction without unnecessary interruption.

The role of embedded payments in digital transformation.

Modern eCommerce isn’t just about selling, it’s about removing the barriers between intent and transaction. For brands undergoing digital transformation, streamlining the checkout process is often a low-hanging fruit with high impact. Modern consumers expect:

• Speed: Quick page loads and instant confirmations.
• Flexibility: Support for various payment options, including credit, debit, ACH, and wallets.
• Security: PCI compliance, tokenization, and fraud prevention.
• Convenience: Guest checkout, one-click payments, and saved methods.

Embedded payment solutions that integrate directly into Adobe Commerce and Magento Open Source provide all of this without the complexity of third-party gateways or fragile plug-ins. Instead of bolting on disparate tools, embedded platforms support native experiences that reduce operational burden while improving performance.

This approach aligns with Adobe’s broader vision of powering personalized, connected experiences across the entire digital customer journey.

Subscription billing without the operational headache.

Recurring billing has become a core business model across industries, from SaaS and streaming to physical product subscriptions and memberships. But managing the nuances of subscriptions through Adobe Commerce or Magento Open Source can be resource-intensive without the right tools.

An ideal payments setup for Adobe Commerce should offer built-in subscription support with minimal configuration, enabling merchants to scale recurring revenue without operational complexity. This includes automatic retries for failed payments, customer-managed updates to stored cards, flexible billing intervals, and integration with order management systems.

By embedding subscription logic into the checkout flow, businesses can create seamless recurring experiences that don’t feel like a workaround and don’t burden the accounting team with spreadsheets or manual reconciliations.

Future-proofing for omnichannel commerce.

Adobe Commerce and Magento Open Source are trusted by brands that operate across multiple channels — web, mobile, social, and physical retail. But customer expectations don’t reset with each channel. They expect a consistent, unified experience.

Embedded payment technology plays a critical role here, enabling merchants to support consistent pricing, loyalty redemption, order tracking, and returns across all touchpoints.

Imagine a customer who browses a product on Instagram, buys it via your mobile site, and picks it up in store. If their checkout preferences — payment method, shipping address, or loyalty credits — don’t follow them across that journey, the experience falls short.

Modern payment infrastructure allows customer profiles and payment preferences to be portable across channels, not siloed in separate systems. This means less friction, fewer abandoned carts, and stronger customer loyalty.

Magento Open Source deserves frictionless checkout too.

Magento Open Source powers thousands of SMBs and mid-market businesses with high customization needs. However, its users often piece together their checkout experience using third-party plug-ins. This can lead to:

• Conflicting updates or plugin incompatibility.
• Increased fraud exposure from loosely secured gateways.
• Lack of subscription billing or digital wallet support.
• Difficulties scaling as transaction volume grows.

Modern embedded payment solutions can bring Magento Open Source merchants the flexibility, scalability, and customer experience enhancements often associated with larger enterprise systems.

Real-time visibility and smarter decisions.

Payments are more than the end of a transaction, they’re a source of valuable insight. Yet, many Adobe Commerce and Magento Open Source businesses struggle to extract that value because of disjointed tools and manual reporting.

An integrated payment platform provides a centralized dashboard that connects payment activity with order data, customer behavior, and subscription performance. This isn’t just nice to have, it’s foundational for:

• Identifying top customer segments.
• Forecasting cash flow.
• Reducing chargebacks and payment failures.
• Optimizing product bundles and pricing models.

This visibility is especially crucial for growing brands navigating seasonal peaks, international expansion, or new product launches.

Compliance, fraud protection, and peace of mind.

As regulations evolve and cyber threats increase, merchants are rightfully concerned about compliance. Whether it’s PCI DSS, Strong Customer Authentication (SCA), or other regional mandates, falling out of compliance can lead to penalties — and worse, lost trust.

Embedded payments platforms help mitigate that risk through:

• Tokenized card storage
• Encrypted payment fields
• Surcharging support where permitted
• Real-time fraud monitoring and risk scoring

By handling these requirements at the infrastructure level, merchants can focus more on selling and less on compliance paperwork.

Built for developers, and agencies too.

Agencies and system integrators play a vital role in implementing Adobe Commerce and Magento Open Source. Too often, they’re left managing fragmented payment workflows, outdated plug-ins, or fragile third-party tools.

Developer-first platforms help streamline this process by offering:

• Pre-built Adobe Commerce and Magento extensions.
• Robust APIs and sandbox environments.
• Technical onboarding support.
• Scalable infrastructure that adapts to enterprise growth.

Whether building custom checkout flows or enabling clients to support subscriptions and digital wallets, embedded solutions give agencies the tools to deliver faster, more reliable results.

Final thought: The new competitive edge is invisible.

In the age of digital transformation, checkout is no longer just a transaction — it’s a test of your brand’s agility, intelligence, and trustworthiness. Merchants who treat payments as a back-office function will continue battling inefficiencies and missed revenue. But those who build seamless, embedded experiences into their core infrastructure will unlock speed, loyalty, and scale.

It’s time to stop thinking of payments as a necessary step and start seeing them as your next strategic differentiator. Because in a world of rising expectations, the brands that win will be the ones whose checkout experiences you never notice — because they just work.

Want to learn more?

Discover how embedded payments can elevate your Adobe Commerce or Magento Open Source checkout experience.

Explore key features and integration details at go.fortispay.com/adobecommerce or visit our Marketplace listing Frictionless Payments Using FortisPay Gateway to get started.

Charles Colletti is a Product Marketing Manager at Fortis where he leads go-to-market strategy, messaging, and competitive positioning for embedded payment solutions across ERP and eCommerce platforms. With over 15 years of experience in fintech, cloud services, and channel marketing, Charles has helped bring innovative partner-led solutions to markets across North America.

Prior to Fortis, he held senior marketing roles at Sage and Datapipe (now Rackspace), supporting the launch and expansion of integrated software offerings. His expertise spans product marketing, partner enablement, and customer acquisition across the mid-market and enterprise space.

Charles currently leads go-to-market initiatives for key platform integrations, including Adobe Commerce, Magento Open Source, Microsoft Dynamics, NetSuite, and Sage — empowering ISVs and merchants to deliver more seamless and scalable payment experiences.

https://business.adobe.com/fragments/resources/cards/thank-you-collections/commerce