[MUSIC PLAYING]

There are many points of friction in the customer journey. One big one is payments. Our goal within Sephora is really to reduce all of those friction points.

[UPBEAT MUSIC]

As a consumer, you're there for a very specific purpose or you're there because you want to find something that brings you a little bit of joy. That's the part where you want to spend the time. We have put a lot of effort into making our omnichannel experience feel very effortless.

You can lose a client with one transaction, so it's really important to make sure that everything goes flawlessly through.

They're really expecting that the magic that they get in a store can get translated into a digital experience, and that the ease and simplicity of transacting online is translated into a store experience.

We need to create an omni journey, and JPMorgan was the perfect partner to achieve this. We needed to innovate without sacrificing stability or speed on our checkout experience. Payments like the desert and the restaurant, it's the last thing you keep in mind. And so it's really important to get it right.

How can we just make and complete a transaction right where this client stands so that we don't have to walk a person through the whole store? To have to pay on iPhone probably increase the checkout experience twofold. So we see people checking out twice as fast as before.

[UPBEAT MUSIC]

There's a really positive culture at Sephora about trying things out and innovating all together.

JPMorgan payments enables Sephora to have a faster checkout experience, higher frequency, and better retention than customers are more likely to return to Sephora and become more loyal to us over time. We're grateful to have a really sharp treasury partner that is thinking about what we know our customers would love. That enables new opportunities that would not have existed before.

[AUDIO LOGO]

Key takeaways

  • Sephora wanted to consolidate and streamline its payment-handling processes to improve the customer experience and enhance their Beauty Advisors’ ability to focus on sales and support
  • With J.P. Morgan Payments, Sephora created a comprehensive solution that supports high capacity and high processing volumes across channels
  • Sephora handles over 250,000 daily transactions through J.P. Morgan Payments, with 99.8% settled automatically
  • By using Tap to Pay on iPhone, Sephora saw a 7% increase in average basket size and increased mobile transaction share to 25%

9 min read

Sephora, a leading prestige beauty omnichannel retailer, has continued to deliver a best-in-class shopping experience to its customers across its brick-and-mortar stores, on Sephora.com and on the Sephora App.1

A foundational element of delivering a seamless omnichannel experience is offering payment solutions that enable customers to spend more time discovering the items they want to buy. The retailer wanted to create a single, centralized payment platform to handle all customer purchases, exchanges and returns for an omnichannel sales approach that would be seamless for customers from beginning to end.

To build this, Sephora leveraged J.P. Morgan Payments omnichannel solutions to offer customers frictionless payments across channels. By working with J.P. Morgan Payments, Sephora’s customers enjoy an improved checkout experience, its Beauty Advisors have more time to spend helping customers, and its average basket size has increased.

The challenge

Modern consumers demand flexibility in how, when and where they shop. Sephora’s omnichannel strategy ensures shoppers transition effortlessly between online, in-app and in-store experiences without disruptions.7 However, this customer-first approach required a payment ecosystem to minimize friction. “As a customer, a seamless shopping experience is pivotal,” says Amber Turley, Vice President of Omni Convenience and Commerce Partnerships at Sephora. “There are many points of friction in the customer journey, and one big one is payments.”

Combining aspects of customer transactions—from payments and adjustments to holds and returns—can be complex, especially at scale. To enhance the shopping journey and offer Beauty Advisors a complete, centralized experience on the back end, Sephora and J.P. Morgan Payments focused on creating stable and scalable environments to support high capacity and high processing volumes.8

“It’s important for us to deliver the same experience to clients every day at scale. J.P. Morgan Payments was a perfect collaborator to help us achieve this.”

The solution

Sephora turned to J.P. Morgan Payments to implement a comprehensive omnichannel payments infrastructure, empowering customers to make purchases easily—wherever they are.

“The pain points that J.P. Morgan helped us ease were really related to our omnichannel experience,” says Jensen. “Figuring out how to perform the omnichannel orchestration of payments, returns and size transactions that cross channels is really complex. By moving our infrastructure to J.P. Morgan, it really enabled us to focus more on the client experience.”

As part of its solution, Sephora launched Tap to Pay on iPhone in hundreds of stores in the U.S. and Canada, allowing Sephora’s Beauty Advisors to accept all types of contactless payments using just an iPhone.9 Tap to Pay on iPhone supports multiple payment methods, including credit and debit cards, Apple Pay and other digital wallets, so customers have the power to check out without waiting in a line.

Working with J.P. Morgan has also provided Sephora the stability and redundancy the company needed to continue to provide a top-tier customer experience.9

“One thing that’s really important to us was to find a partner that has stability, which is really critical,” says Jensen. “We needed a partner like J.P. Morgan to innovate without sacrificing stability or speed on our checkout experience.”

“Customers will want to come back if they’ve had a seamless experience. A client can feel overwhelmed if they come into a store and see a long line, and now they can easily check out on a mobile experience that’s quicker.”

The results

By working with J.P. Morgan Payments to implement an omnichannel payment strategy, Sephora met its goal of delivering an ever-improved customer experience.10

Since implementing the new payments solutions, Sephora has seen customers increase their basket sizes by 7%, has enabled customers to check out twice as fast as before, and has enabled Beauty Advisors to spend more time with customers, helping them find the items they want.11 Crucially, 99.8% of all transactions are settled automatically by J.P. Morgan Payments technology.12 This helps speed up the process for Beauty Advisors, who can instead focus on in-store sales and customer assistance—both positive revenue drivers for Sephora.12

“We want to focus on the client experience instead of our back-end transaction workflows. Being able to delegate this to J.P. Morgan Payments empowers us to put our focus where it’s most valuable.”

“J.P. Morgan Payments enables a faster checkout process, higher frequency, and better retention for Sephora and our customers,” says Turley.

Jensen explained that after moving to J.P. Morgan Payments and adopting Tap to Pay on iPhone, Sephora increased mobile transactions by five times. Now, a quarter of in-store transactions are completed by customers using mobile payments.13 With the flexibility to process transactions anywhere in store, customers are encouraged to explore more products, make additional purchases and further engage with Beauty Advisors.

“Tap to Pay on iPhone has been a huge game-changer for customers at Sephora,” says Sullivan. “They’re not in that long snake line you usually see.”

By consolidating its payment-related processes with J.P. Morgan Payments, Sephora is also saving about 15 minutes every night on store closing procedures.13 The company is providing a better experience for shoppers, and customers can easily complete purchases from wherever they are. “Having the ability to go through different channels and always complete your transaction wherever you want is really important for us,” says Jensen.

Sephora aims to continue using J.P. Morgan Payments to enhance the experience for customers and employees. “We’re always thinking about the next innovation that can bring simplicity to the shopping experience,” says Turley.

With its payment technology and workflows on one platform, the company is set up to provide the best possible experience and drive further sales improvements.

Disclaimer

© 2025 J.P. Morgan Chase & Co. Member FDIC. Deposits held in non-U.S. branches are not FDIC insured. All rights reserved. The statements herein are not intended to be legally binding. Not all products and services are available in all geographical areas. Visit jpmorgan.com/paymentsdisclosure for further disclosures and disclaimers related to this content. For the avoidance of doubt, J.P. Morgan and any third parties listed on this page have not entered into a legal partnership to provide the services described above. Third party trademarks, brand names, and descriptions of products and services that appear on this page are provided by the respective third party. J.P. Morgan is not liable or responsible for such trademarks, brand names, descriptions of products, companies and/or services.

2025 J.P.Morgan Chase & Co. all rights reserved

Tap to Pay on iPhone requires a supported payment app and the latest version of iOS. Update to the latest version by going to Settings > General > Software Update. Tap Download and Install. Some contactless cards may not be accepted by your payment app. Transaction limits may apply. The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC. Tap to Pay on iPhone is not available in all markets. View Tap to Pay on iPhone countries and regions (https://developer.apple.com/tap-to-pay/regions).

References

1.

Sephora. (n.d.). LinkedIn.

2.

Jensen, S. (July, 2024). Interview with Treasurer at Sephora North America. J.P. Morgan Payments.

3.

Sullivan, E. (June, 2024). Interview with Vice President of Client & Business Operations at Sephora North America. J.P. Morgan Payments.

4.

Jensen, S. (July, 2024). Interview with Treasurer at Sephora North America. J.P. Morgan Payments.

5.

Sullivan, E. (June, 2024). Interview with Vice President of Client & Business Operations at Sephora North America. J.P. Morgan Payments.

6.

Jensen, S. (July, 2024). Interview with Treasurer at Sephora North America. J.P. Morgan Payments.

7.

Turley, A. (June, 2024). Interview with Vice President of Omni Convenience & Commerce Partnerships at Sephora North America. J.P. Morgan Payments.

8.

Jensen, S. (July, 2024). Interview with Treasurer at Sephora North America. J.P. Morgan Payments.

9.

Turley, A. (June, 2024). Interview with Vice President of Omni Convenience & Commerce Partnerships at Sephora North America. J.P. Morgan Payments.

10.

Avalos, G. (Senior Manager of Payments at Sephora North America), email to author.

11.

Jensen, S. (July, 2024). Interview with Treasurer at Sephora North America. J.P. Morgan Payments.

12.

Sullivan, E. (June, 2024). Interview with Vice President of Client & Business Operations at Sephora North America. J.P. Morgan Payments.

13.

Jensen, S. (July, 2024). Interview with Treasurer at Sephora North America. J.P. Morgan Payments.