PRODUCT DESIGNER
Pay By Link
A convenient and secure online payments tool for individuals and enterprises who don’t have websites or mobile applications
Client
"PASHA BANK" OJSC
Azerbaijan's biggest corporate bank
My role
Product Designer
Product Strategy, User Research, Interaction, Visual Design, Prototyping & Testing
Duration
1 months
Challange
Creating an easy, low-cost, legal and secure payment method for merchants who have started selling online, but who don’t have websites and whose physicall stores have closed due to the pandemic
Solution
Created a new payment method where a buyer could pay a merchant through a link
Research Goals
Without pre-existing insights, we started the design process with research
Who needs to accept online payments?
How do they receive payments for online sales from customers?
What difficulties do merchants face when accepting payments?
Research methodologies
To reach our research goals, we used 5 different research methodologies to collect data on each facet of the prompt
Their thoughts
Pain points
Throughout our research, we identified the pain points of merchants who started selling online during the pandemic and those who don’t have a website
Time-consuming
Setting up a website to sell online was expensive and time-consuming. That's why they were selling on Instagram
Extra costly
Since there was no possibility to accept online payments, they paid the courier both for the delivery of the order and for the money to be returned after delivery
Illegal
They were sending their bank card details to customers who wanted to make online payments so that they could make card-to-card bank transfers. Tax evasion was considered commonplace using a personal debit card to get paid on sales as a taxpayer
Risky
Some merchants have fallen victim to scams after sharing their personal card details to accept online payments
Ideation
To be as productive as possible, we have thought of different features that can help merchants accept non-cash payments. As the next step, we moved forward with one of the most suitable for the users' needs
Wireframe
We prototyped an interaction where users would send links to accept payments
Hi-fi prototype
We ran multiple testing sessions to ensure our product is usable. Later, we redesigned the hi-fi prototype considering user feedback
Final solution
Create a link
Creating a link within 1 minute by entering payment information
Share the link
Sending the direct link simply by copying or selecting the desired social platform
Get paid
Being notified when a payment is made and tracking which payments are made and when
"Pay by Link" in a few years
Over the next few years, 'Pay by link' will become a useful and feature-packed product that will not only accept online payments but also make it easier for those who sell online and want to do so
This is a small part of the list of what we can do after we complete our scope as MVP
Adding new sales agent
Since the product was in the internet bank, only those who had access to internet banking could create links. Compared to small merchants, large merchants may have more than one sales agent. Therefore, the feature of adding sales agents connected to the company should be added
Selecting units of measurement
It should be possible to choose the unit of measurement by the variety of products sold (units, kg, tons, and p. as)
Ability to add products, monitor stock
Product selection should be possible while creating links for sellers with a wide variety of products. By adding stock, it is possible to see how much of each product is left
Analyzing customer relationship
Analyzing relationships with customers and preparing tailor-made offers via AI