How to implement a convenient, frictionless payment experience for your customer: Reduce the ● Where possible, offer a direct link to payment via text message, steps to email, QR code, or mobile application notification. complete a bill ● Reduce the number of steps to complete a bill or payment transaction. or payment ● Offer touchless payment options as much as possible in-person. transaction ● Present familiar payment platforms at checkout, such as ApplePay, Google Wallet, PayPal, Venmo, and credit cards.