Практические аспекты реализации розничных онлайн-платежей

The article is devoted to the study of practical aspects of the implementation of retail online payments made in the conditions of rapid development of the e-commerce system. Based on the conducted research, the author revealed that online transactions are developing rapidly due to the active penetration of innovative digital solutions into the “settlements and payments” segment, which leads to the emergence of new payment methods, such as mobile payment systems, instant money transfer services. An important place in the article is given to the identification of problems arising in the implementation of online retail operations, which have a negative impact on business income and cause the appearance of reputational risks. The author paid special attention to possible ways to solve these problems, among which are highlighted: cyberinsurance, regular monitoring of payment transactions and infrastructure verification, active implementation of the achievements of the financial technology industry. It is concluded that the main efforts of payment systems, sales companies, payment service providers and banks should be aimed at uninterrupted and reliable implementation of customer payments, which will ensure business profitability, financial and social stability.