Noda Live payment pages: personalisation in the age of AI

In the early days of the Internet, online checkouts looked very different. Modern-day shoppers would find them a far cry from the familiar – bare-bones HTML and pixelated branding, payment with cash on delivery. Yet that’s exactly how ordering a Pizza Hut looked like in 1994. 

That same year, NetMarket, a pioneering online marketplace, went as far as to build their own encrypted browser for secure online payment. The multi-step process burdened the customers, leading to many abandoned carts. 

Three decades on, customers tap their cards and phones for a payment, use biometric retina or fingertip scans to transfer the funds. With vast amounts of data available, personalisation has become the front edge – but what do personalised payments actually look like?

In this article, we’ll take a look at different layers of personalisation, as well as look at the case study of Noda Live, and the merchants they work with. 

How modern payments adapt to users

One clear way to tailor checkout is through segmentation. This means grouping customers by their location, currency, device, past behaviour, risk profile, and adjusting checkout accordingly. 

For example, a UK customer would see prices in pounds, even on a euro-based website; or that digital bank notification when abroad with the exchange rate for the country; or a returning customer being welcomed back. Digital receipts can also be an element of personalisation, as they can be linked to loyalty or card tokens for tailored campaigns. 

Another layer is fitting the checkout into context. When payments happen inside non-financial apps, such as ride-hailing, or a marketplace, this means the checkout would inherit user context from the host app, rather than relying on a generic template, including whether it’s a returning customer. 

Both layers matter. Industry reviews show that personalised re-targeting and A/B-tested, segment-specific checkout flows are among the strongest levers for tackling the global average cart-abandonment rate of around 70%.

Noda Live: insights from the shop floor 

To understand how personalisation works in practice, let’s take a look at a UK-based provider Noda Live. Founded in 2018, it was invested in by businessman Dmitry Volkov, yet in 2023 he sold his stake – so the Noda-Volkov relationship expired. 

Their payment pages are available to businesses without coding required. Merchants can build these pages with the help of AI. Their smart builder works like this:

1. The merchant opens the page builder via a chatbot.

2. They type a request or upload the product description, images, and brand logo.

3. The bot generates a personalised and branded payment page. It also creates a payment link and a QR code, connected to this page.

4. The merchant shares the link or shows the QR code to customers.

The whole process takes just five to ten minutes and requires no coding –  a big advantage for smaller businesses and self-employed creators. 

In the case of Noda, personalisation happens on the level of context, as the payment page already knows what the customer is purchasing, rather than being generic. Customers appreciate this nuance, as shown in Noda Live reviews. 

One of their clients – Glasgow-based Mathnasium – emphasised how this product “removed payment stress for families”, and modernised how the business got paid. 

Payment method as a form of personalisation

Another important yet often overlooked form of personalisation goes beyond interface design: a customer’s preferred payment methods. In fact, these ranked as the top feature turning “would-be buyers into paying customers” (75.9%), according to Visa’s 2025 Global Digital Shopping Index.

In the Noda Live case study, customers arriving on the payment page can pay-by-bank. It is notably compelling for personalisation across Europe.

Built on open banking, it lets users select their own bank (from a list of more than 2,000, offered by Noda). Payment is then authorised and completed within the customer’s banking app. It is hard to imagine a more personalised sequence. Pay-by-bank is becoming extremely popular – just in the UK it surged to 15 million active users. 

According to Noda Live reviews, its flow is intuitive. The owner of Double Deli, a London-based merchant that uses Noda, highlighted that “it was surprising how quickly people started using it. It’s straightforward – people just get it.” 

Final thoughts on personalisation

As this article shows, personalisation is expected, especially digitally native users such as Gen Z and millennials. In payments, personalisation propels at several levels: contextualising the checkout, adapting to a user’s location and currency, and responding to past behaviour. But the most decisive layer is often the stack of payment options. Offering preferred and widely used payment methods, particularly those that are inherently personalised, such as pay-by-bank, can make the biggest difference, as highlighted in Noda Live reviews. 

This also means understanding your customers’ geography and demographics. In the UK and across Europe, pay-by-bank is gaining traction, while in Asia, digital wallets like Alipay and WeChat Pay dominate. A payment stack that reflects these realities feels native to the customer.