Customer Pain PointsThe Top 12 Roadblocks in the Customer Journey & How to Remove Them

David DeCorte | January 15, 2026 | 13 min read

This featured video was created using artificial intelligence. The article, however, was written and edited by actual payment experts.

What are Customer Pain Points?

In a Nutshell

Did you know that there are potentially dozens of hidden customer pain points lurking in your practices that could be costing you revenue? This article will explain the 12 most common pain points that could be driving customers away from your business. We'll also give you the three steps you’ll need to take to tackle them head-on.

The Top 12 Customer Pain Points & What They Are Costing Beyond Just Sales

Think about the last time you tried to buy something online, but gave up halfway through.

Maybe the shipping costs blindsided you at checkout. Maybe the site was so slow that it wore down your patience. Or, maybe you couldn’t find basic info about the product you were looking at, and decided it wasn't worth the risk.

That frustration you felt? That’s the feeling of running up against a customer pain point. Collectively, they’re costing merchants billions in lost revenue every year.

We’ve discussed the concept of dynamic friction in the customer experience a few times on our blog. But even if you understand the concept, it can still be a somewhat vague and abstract idea. In this post, I’ll examine key customer pain points and see how they impact your buyers (and your bottom line).

What is a Customer Pain Point?

Customer Pain Point

[noun]/pān • point/

A customer pain point is a specific problem endured by potential customers. It’s a part of the customer experience that serves no helpful purpose and only serves to create negative friction and drive away buyers.

Let’s start from the beginning.

If friction is resistance in the customer experience, then pain points are the individual factors that cause that resistance.

A simpler way to explain this is to think of transaction friction — specifically the negative kind — as the cumulative impact of all the pain points your customer experiences. When you try to make a sale, you’re essentially trying to convince a potential customer that your product is worth buying.

Every pain point you allow in that process is an argument against you. They’re roadblocks that serve no purpose except to frustrate customers and send them straight to your competitors.

How Customer Pain Points Impact Your Business

TL;DR

Pain points hurt you on three levels: lost sales revenue, returns and higher customer service expenditure, and chargebacks and reputation damage.

Customer pain points hit your business on three levels. First, there's the immediate damage; the cart abandonment and lost sales. With 70% of shopping carts abandoned before checkout, every pain point in your customer experience is an argument against buying from you.

Second, there's the medium-term cost. We’re talking returns, customer service expenses, and negative reviews that damage your reputation. Third, and most expensive, there's the long-term revenue destruction. Chargebacks, eroded customer lifetime value, and the compounding effect of one disappointed customer telling people about their bad experience.

That last one is what really makes pain points particularly dangerous for merchants: they don't just lose sales, they trigger disputes. When a customer has a frustrating experience, they're far more likely to file a chargeback than contact your support team.

Product doesn't match the description? That becomes a “not as described” dispute. Delivery issues? That’s an “Item not received” chargeback. Poor communication about charges? It’s an “Unauthorized transaction.”

Fraud prevention measures that require additional verification are helpful friction points that protect both you and your customers. But, forcing shoppers to create an account before checkout, or hiding shipping costs until the final step? That's harmful friction that drives people away and destroys trust.

Understanding the 4 Core Categories of Customer Friction

TL;DR

Customer pain points can be divided into four categories: financial, process, productivity, and support complaints.

Customer pain points fall into four distinct categories, and understanding this framework helps you diagnose problems in your own business. Most merchants deal with pain points across all four categories simultaneously, which is why a systematic approach to identification and resolution matters so much.

Financial Pain Points

Financial pain points revolve around cost and value perception. This isn't just about your product being too expensive. It includes hidden fees that appear at checkout, unclear pricing structures, and lack of payment flexibility. In 2026, customers expect options like buy now, pay later services, and they’re increasingly fatigued by subscription models that create too many recurring charges. Price transparency alone can alleviate problems because customers aren't surprised by the final total.

Process Pain Points

Process pain points stem from how you've structured the buying journey itself. A complicated checkout process, difficult returns procedures, and inconsistencies between your online and in-store experiences all fall into this category.

Research shows that merchants with strong omnichannel approaches see 89% customer retention, while those with weak omnichannel execution see only 33% retention. Mobile checkout presents its own challenges, with form-filling friction and autofill failures creating unnecessary barriers. Streamlining your checkout process can increase conversion by up to 35%.

Productivity Pain Points

Productivity pain points cover everything that slows customers down or prevents them from making confident decisions.

Slow site speed remains one of the most costly issues. Poor navigation, inadequate product information, and personalization gaps all contribute to this category, too. The impact is measurable: a one-second delay in page load time can slash conversions by 7%.

Support Pain Points

These customer pain points hinge on how customers interact with your team when they need help. Long wait times, unavailable service channels, and unhelpful responses drive customers away and straight to the chargeback process.

Customers expect omnichannel support where they can start a conversation in live chat and follow up by phone without repeating themselves. They also expect robust self-service options. But, here's the catch: poorly designed FAQs that don't answer actual customer questions are worse than no FAQs at all.

The Dirty Dozen: 12 Customer Pain Points Driving Cart Abandonment, Returns, & Chargebacks

Based on 2025 and 2026 merchant data, these twelve pain points cause the most revenue loss across eCommerce businesses.

Hidden Fees & Price Surprises

These are among the top causes of cart abandonment. When unanticipated costs appear at checkout, like a service fee or higher-than-anticipated shipping, customers tend to abandon purchases. If they are noticed after checkout, buyers may file disputes, claiming the fees were not properly disclosed. Show full costs early and offer free shipping thresholds to address this common frustration.

Slow Website Performance

A slow site drives away mobile users quickly. On mobile devices, 53% of users abandon sites that take more than three seconds to load. The average US mobile site loads in 6.3 seconds; in other words: far too slow. Optimize images, implement a CDN, and eliminate render-blocking resources to improve load times and conversions.

Complex Checkout Processes 

These frustrate customers into abandoning orders. Forced account creation and excessive form fields create unnecessary friction. Implement guest checkout, autofill, and single-page flows to streamline the process and improve completion rates.

Poor Mobile Experience 

More than 60% of shopping happens on mobile, yet conversion lags desktop significantly. Small buttons and lack of mobile payment options create friction. Use mobile-first design and enable Apple Pay and Google Pay to improve mobile conversions.

Inadequate Product Information

This drives returns and triggers chargebacks. I’m talking about missing specs, unclear sizing, and insufficient images prevent confident purchases. Invest in 360-degree images, videos, size charts, and detailed specifications to reduce returns and disputes.

Omnichannel Inconsistencies

Inconsistent experience across different channels can destroy trust when pricing or availability differs. Like I mentioned before, merchants with strong omnichannel execution see 89% retention versus 33% with weak execution. You need to implement unified inventory and real-time sync to provide consistent experiences.

Difficult Returns Processes

These can deter shoppers, with 57% of customers unwilling to shop with retailers that don't offer free returns. Frustrated customers file chargebacks instead of requesting legitimate returns. In contrast, easy returns drive customer loyalty: 95% of customers will shop again with retailers offering hassle-free returns. Offer free shipping, clear policies, and prepaid labels.

Limited Payment Options

A tentative buyer could abandon their order if a preferred payment method isn't available. Add PayPal, digital wallets, and BNPL services to accommodate different customer preferences and increase conversion.

Poor Search & Navigation

Customers can be driven away by bad experiences with site navigation. You need to offer decent filtering, for example, so that buyers can quickly get to the items they’re looking for. Implement intelligent search with autocomplete and faceted filtering to help customers find products easily.

Tracking & Delivery Issues

It creates problems when customers can’t track orders or when deliveries arrive later than promised. A buyer might panic, assume their order is lost or was never shipped, and turn to the bank for a chargeback. Provide tracking, proactive notifications, and multiple carriers to reduce “item not received” disputes.

Lack of Personalization

80% of shoppers are more likely to buy with personalized experiences. If your customer experience is not meeting shoppers where they’re at, then you’re missing opportunities. Implement recommendations and browsing-based, relevant content to increase conversion and average order value.

Unresponsive Customer Service

33% of customers will leave after one bad experience. Even post-transaction, frustrated customers are at high risk of filing disputes instead of calling support. Add live chat, 24/7 availability, and quick email response to improve customer relationships and reduce chargebacks.

Spot pain points in the customer experience to reduce the risk posed by chargebacks.

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5 Data-Driven Methods to Discover Which Pain Points Are Costing You Money

Identifying which specific issues are most likely to hurt your business is going to require some data, along with a careful review of the numbers. These five methods can help pinpoint exactly where you’re losing customers and revenue.

Analytics Audit

Analytics Audit

Use Google Analytics to find bounce rates, exit pages, and funnel drop-offs. Heatmap tools like Hotjar show where users click — and where they “rage click” in frustration. Session recordings reveal exact problem points. Look for pages with unusually high bounce rates, checkout abandonment points, mobile versus desktop conversion gaps, and high search exit rates.

Tip

Customer Feedback Mining

People that have already interacted with your site are your best source for data. Post-purchase surveys asking “What almost stopped you from buying?” reveal friction points. Exit surveys capture why people leave. Review analysis identifies negative feedback themes. Social media listening through Sprout Social, Hootsuite, or Brand24 surfaces real-time complaints. You’re gonna get a lot of noise in these statistics, so look for patterns; recurring themes indicate systemic pain points.

Tip

Support Ticket Analysis

Just like with the last item, common recurring questions can also reveal information gaps. Recurring complaints point to pain points. Track volume by shipping inquiries, return requests, product questions, order status, and payment issues to see where you create the most friction.

Tip

Chargeback Reason Code Analysis

Map dispute codes to pain points. “Item not received,” for instance, claims indicate tracking issues. “Not as described” claims signal product information problems. “Unauthorized transaction” claims stem from checkout confusion. And, “duplicate transaction” claims point to UX issues. This method also helps you quantify the cost of customer pain points by putting a dollar value to actual dispute losses.

Tip

Competitive Mystery Shopping

Ever thought about doing a little competitor research? Try ordering items or services from three to five competitors. Document their experience versus yours. Identify where they excel and where gaps exist. Evaluate site speed, checkout ease, communication, shipping, returns, and service responsiveness.

Mapping Your Customer Journey

TL;DR

Developing a profile of your typical customer gives you a better impression of the customer’s experiences. Then, once you have an impression of the problems facing your customer, you can develop strategies to resolve those issues.

Each customer complaint presents an opportunity to improve. Listen to your customers and place yourself in their shoes. By doing this, you can become much more effective at identifying and resolving the customer pain points that deter buyers and cause other problems.

The lifecycle of a customer interaction begins before your customer ever lands on your site, and it continues long after the checkout process. This is what’s called the customer journey.

The customer journey is the range of experiences had by shoppers when interacting with your brand. The customer journey begins at the first point of awareness and continues until after order fulfillment.

The first step toward resolving pain points in your customer experience is developing a map of the customer journey. This will provide a visual outline, making it easier to identify friction points, bottlenecks, and other problem factors.

It’s helpful to put yourself in your customer’s shoes when mapping this process. To do that, ask yourself:

  • Who is your buyer?
  • What problems do you know your buyer is experiencing?
  • How does your buyer hope to solve their problems?
  • Why did your buyer come to you, specifically?
  • How does your buyer come to your site?

Below is an example of a rudimentary customer journey map. You can customize it to better reflect your process:

Using Social Listening to Identify Customer Pain Points

TL;DR

Social listening is the practice of monitoring your social media channels for any customer feedback or direct mentions of your brand. You can also watch for discussions regarding specific keywords, topics, competitors, or industries.

15% of all chargebacks in the last year were filed because the products or services didn’t match the merchant’s original description. Clearly, we have a disconnect between what customers expect and what merchants provide. Furthermore, one-third of Americans say they’re likely to post about a poor experience on social media.

While that’s definitely a bad thing, it does present an opportunity to grow if leveraged properly. That’s where social listening comes in.

At present, merchants typically think of social listening as a method for reaching customers and identifying trends. However, social listening is also a great way to identify customer pain points. Listening to buyers on social media gives you an unfiltered impression of what customers expect. This should supplement the insights you gain by mapping the customer journey.

Of course, we’re not suggesting that you weigh every piece of customer feedback equally. Many cases will be outliers or one-off mistakes. If you notice recurring themes in your customers’ complaints, however, you’ll know you have an unresolved customer pain point. Thus, careful data analysis to gain insights and act on opportunities is an equally important part of the process.

There are several approaches you can take to this. You can engage in basic social listening by simply searching your business name or other keywords on Twitter. You can also track customer reviews of your business; reviews offer a targeted glimpse into the customer experience. If recurring issues are present in multiple reviews, that's a direct sign that something needs attention.

There are tools available to help with more in-depth social listening, though, like Sprout Social, Hootsuite, and HubSpot. All these services offer tools to help engage with customers on social media.

Which Pain Points to Fix First: The High-Impact, Low-Effort Framework

TL;DR

Prioritize identified pain points by frequency (customers affected), severity (impact level), business impact (revenue loss plus chargeback cost), and fix difficulty (easy, medium, or hard). Those that are most frequent, severe, high impact, and easy to fix should be your top priorities.

Not all pain points deserve equal attention. Creating a prioritization matrix helps you make strategic decisions about where to invest first.

Plot pain points on two dimensions: business impact and implementation effort. This creates four quadrants. You have high impact and low effort, high impact and high effort, low impact and low effort, and low impact and high effort.

High impact, low effort items (i.e. the “quick wins”) are your starting point. Things like site speed optimization, guest checkout, and simplified returns. These can typically be implemented in one to four weeks with modest budgets and deliver meaningful improvements right away.

The high impact, high effort (the “major project”) items require planning. These could be product information enhancement, omnichannel integration, and personalization engines. Expect two to six month timelines and substantial budgets, but also significant improvements when properly implemented.

Low impact, low effort changes (the “fill-in” fixes) should be worked on when time allows. Stuff like adding PayPal, improving search filters, implementing chat widgets. These take one to two weeks, require minimal investment, and deliver incremental improvements.

Your industry, business size, chargeback rate, and available resources should guide prioritization. Fashion retailers, for example, need exceptional product information; subscription businesses must prioritize returns. High chargeback rates mean prioritizing dispute-triggering pain points first. In the end, it needs to be tailored to your business.

Budget-Friendly Fixes: What You Can Do Today, This Month & This Quarter

So, you get the idea behind the matrix I laid out above. But, you just want me to tell you straight up: “What should I do?!”

I gotcha. Here’s a practical roadmap organized by budget and timeline, which should help make things clearer:

Things You Can Do This Week & Cost Less Than $100

  • Add “Free Shipping Over $X” banners to the site
  • Show estimated totals on product pages
  • Enable guest checkout
  • Remove unnecessary form fields
  • Install free live chat (Tidio, Tawk.to)
  • Create comprehensive FAQs
  • Add a chatbot for common questions.

Things You Can Do This Month & Cost Less Than $5,000

  • Tackle site speed through image compression
  • Browser caching
  • CSS/JavaScript minification
  • Implement “lazy loading” strategy
  • Create prepaid return labels and clear 30-day return policies
  • Add PayPal ($0 setup, 2.9% + $0.30/transaction), Apple Pay, and Google Pay
  • Add BNPL options like Afterpay or Klarna

Things You Can Do This Quarter & Cost Less Than $50,000

  • Invest in professional product photography
  • Add size charts, video demos, and reviews
  • Implement inventory management with POS integration and real-time stock updates
  • Add personalization through recommendation engines and email tools

How to Know If Your Pain Point Fixes Are Actually Working

Each pain point category — financial, process, productivity, and support — requires specific KPIs to track improvement.

Financial Pain Points

Financial Pain Points

Monitor cart abandonment rate, checkout completion rate, average order value, and conversion rate by source. These metrics directly indicate whether pricing transparency and payment flexibility are resonating with customers.

Process Pain Points

Process Pain Points

Track checkout funnel drop-off at each step, time to complete checkout, return request rate, and search success rate. These reveal whether your process improvements are genuinely reducing friction.

Process Pain Points

Productivity Pain Points

Watch page load speed, bounce rate, mobile conversion rate, and “item not as described” dispute rates. These metrics show whether customers can find what they need and make confident purchase decisions.

Support Pain Points

Support Pain Points

Measure first response time, customer satisfaction scores, Net Promoter Score, and ticket volume trends. These indicate whether customers can get help when they need it.

Chargeback-Specific Metrics

BONUS: Chargeback-Specific Metrics

Track overall chargeback rate, rate by reason code, representment win rate, dispute-to-sale ratio, and friendly fraud rate. This is where your pain point improvements translate directly into dispute reduction and revenue protection.

Establish baselines before implementing fixes, track weekly for the first month, review monthly for three to six months, and shift to quarterly analysis ongoing. Combine Google Analytics, your eCommerce platform’s analytics, and chargeback analytics from Chargebacks911® for a complete picture.

FAQs

What is a customer pain point?

A pain point is a specific problem endured by potential customers. It’s a part of the customer experience that serves no helpful purpose and only serves to create negative friction and drive away buyers.

If friction represents resistance in the customer experience, then pain points are the individual factors that cause that resistance. A simpler way to explain this friction — specifically the negative kind — is to see it as the cumulative impact of all the pain points your customer experience.

What are some of the most common customer pain points?

There are hundreds of potential issues that could affect your bottom line when examining customer pain points. That said, a few of the most common customer pain points are financial roadblocks, process errors, productivity slowdowns, support failures, and customer service issues.

How do I resolve common customer pain points?

Removing the barriers that frustrate your customers will streamline processes, making customers more likely to complete purchases and less likely to request returns or file chargebacks. Plus, demonstrating that you hear your customers — and care about what they have to say — is a great way to build customer affinity for your brand.

How do I find out what my customer’s pain points are?

By listening to customers and placing yourself in their shoes, you can become much more effective at identifying and resolving the customer pain points that deter buyers and cause other problems. Social listening is key, as is mapping the customer journey.

How do customer pain points lead to chargebacks?

Pain points trigger chargebacks in three ways: (1) Frustrated customers dispute instead of contacting support, (2) Poor communication creates confusion about charges, and (3) Product/delivery issues lead to "not as described" or "item not received" disputes. Research shows 15% of chargebacks stem from unmet customer expectations that could have been prevented.

How long before I see results from fixing pain points?

Quick wins (guest checkout, site speed, pricing transparency) show results within days to weeks. Major projects (omnichannel, personalization) take 2-6 months to implement and another 2-3 months to show full ROI. Track metrics weekly to catch early improvements.

How do I know which pain points are unique to my business?

Analyze your specific data: chargeback reason codes, support tickets, customer surveys, and analytics. While the 12 pain points in this article are common, your customers will experience them with different intensity. Your data reveals which matter most to YOUR audience.

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