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The anatomy of a credit card form

medium.com

11–20 of 129 posts

Re: The anatomy of a credit card form

#11
post #5

> ZIP code: Length must be minimum 5 characters, maximum 10 characters There goes Australia and their 4 digit zip codes...

I don't get the name and zip code requirements, is that standard in some countries? I only ever encounter the "Name on card" when shopping on US and UK sites. Danish online stores don't care.

Is the name and zip actually used as part of a validation process? If not it should just be left out.

Re: The anatomy of a credit card form

#12
Has anyone actually stepped back and looked at the larger picture, what a buyer wants to do is pay X (credit card is only one of them payment methods available and not really popular in some countries)

they do not want to be entering long strings of numbers (whether its a credit card number, bank IBAN number, prepaid card #, or a bitcoin address) into forms

they just want to pay

Re: The anatomy of a credit card form

#13
post #2

> “My card number has spaces. Do I enter my card number with spaces, or without?” To solve for this, we limit the input values to numbers only, so 0–9. So if a user types a space, it does not register and it does not affect the number format. They failed, at the most important part of the form. The correct, i.e. the most user friendly solution is, obviously, to allow spaces (and optionally other characters, like "-,.…

Judging from the screenshots with filled inputs, they automatically add spaces making the card number look exactly like it is on the physical card. https://medium2.global.ssl.fastly.net/max/800/1*QzxyS4KGIvCw...

The live demo linked flat the end of the blog post makes a feeble attempt to insert a space after the first 4 digits, but ultimately fails (on Firefox 38 on Windows).

Re: The anatomy of a credit card form

#14
post #7
post #2

> “My card number has spaces. Do I enter my card number with spaces, or without?” To solve for this, we limit the input values to numbers only, so 0–9. So if a user types a space, it does not register and it does not affect the number format. They failed, at the most important part of the form. The correct, i.e. the most user friendly solution is, obviously, to allow spaces (and optionally other characters, like "-,.…

I personally like it when the form inserts a space for me after every 4 digits and has a maximum length of the field set to (number of digits + spaces between). For some reason I rarely see websites that have such forms. Maybe it is actually confusing for the majority of users.

In Hungary the most used credit card form by me (OTP Bank paywall) inserts not spaces but "-" after every 4 digits. It behaves strangely for backspace.

Re: The anatomy of a credit card form

#17
post #12

Has anyone actually stepped back and looked at the larger picture, what a buyer wants to do is pay X (credit card is only one of them payment methods available and not really popular in some countries) they do not want to be entering long strings of numbers (whether its a credit card number, bank IBAN number, prepaid card #, or a bitcoin address) into forms they just want to pay

Yes, PayPal and other similar services were invented.

Re: The anatomy of a credit card form

#18
post #5

> ZIP code: Length must be minimum 5 characters, maximum 10 characters There goes Australia and their 4 digit zip codes...

> There goes Australia and their 4 digit zip codes...

To say nothing of Iceland, the Faroes or Madagascar (3 digits) let alone Jamaica (2 digits, and only in Kingston and St Andrew elsewhere there's no zip code) or Somalia (2 letters)

Re: The anatomy of a credit card form

#19
> Is this form safe and secure? We just add a lock icon, sure it's secure. Lock means secure, right?

Joke aside sure, it's not the designer's fault. Every time I fill out a credit card form without even pulling out my card I cringe. Why do I need a physical credit card for this, I just authenticated myself with only something I know and not something I own and I know. And my authentication credentials are just written down on a piece of plastic. Why don't banks just host openid servers so I could authenticate myself and pay using that? It would be even more secure and convenient. Credit card security (for most card types) is a joke.

Re: The anatomy of a credit card form

#20
UK banks sometime sends payments to a separate verification page which either returns automatically or asks further security questions.

I don't think this form is going to work with those banks.

A couple of takeaways:

1. This has been a standard problem for twenty years now. Why are designers and developers still having to reinvent the wheel?

2. Reinventing the wheel is really hard. If you want to support international trade, card and address formats are a non-trivial problem. It's easy to get something 90% right, but those edge cases will kill you and piss off your customers.

I suppose in an ideal world the card industry could think about standardised industry-approved forms with international support and customisable CSS. Maybe they'll get around to it in another twenty years or so.

Considering the incredible size of the financial industry, its inability to create efficient friction-free payment systems is shameful.

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