E-commerce transactions constitute a growing share of the overall retail market, prompting merchants and payments processors alike to expand their platforms for card-not-present (CNP) payment acceptance and processing. While most e-commerce processors and platforms facilitate traditional methods of payment, today’s offerings differ greatly in international processing focus, fraud and security features, mobile capabilities, reporting and other back-end processing functions. This report scores seven leading e-commerce platform providers — some of which offer multiple platforms for e-commerce transactions — identifying each platform’s key product features and examining each provider’s value proposition, market positioning, and differentiation. 

Primary Questions: 

  • How are consumer online payment trends shaping over time? 
  • What are the key reasons for people not transacting online? 
  • Who are the leading e-commerce payment processors, and how do their platform offerings differ? 
  • How are e-commerce platform vendors embracing mobile technology? 
  • What is the scope of each company’s domestic and international payment-processing capabilities? 
  • What payment-management features does each platform offer to merchants? 
  • What back-end features (e.g., fraud prevention and security, authorization, chargeback processing) does each e-commerce company offer to merchants? 
  • How can e-commerce vendors and online retailers best meet the demands of today’s online shopper? 

Companies Mentioned: 

Amazon, American Express, Apple, Bill Me Later, Chase Paymentech, CyberSource, Diners Club International, Discover, First Data, FIS, Google, Heartland, Intuit, JCB, MasterCard, PayPal, RIM, Visa, Walmart

Press Release:
Big Retailers Set E-commerce Experience Bar High Requiring E-commerce Platform Vendors to Innovate


This report compares e-commerce platform solutions offered by vendor organizations.

  • Javelin collected the data using a combination of a detailed vendor questionnaire and in-depth interviews conducted with senior vendor representatives 
  • Oonline data collected from a random-sample panel of 3,213 consumers in October 2013.