Paywise

Project Overview
Paywise is a fintech payment platform that simplifies credit card bill payments and reward point redemptions. It brings together multiple payment sources—including credit cards, bank accounts, and reward points—into a unified, intuitive experience. Users can also combine points from different banks to make partial or full payments, with real-time visibility and flexible control.

Goals

• Simplify the process of paying credit card bills across banks
• Enable flexible use of reward points and hybrid payment options
• Support alternative payment methods like bank transfers, scheduled payments, and e-wallets
• Deliver a seamless and trustworthy user experience that builds user confidence

My Role
As the Lead Product Designer, I led the end-to-end UX strategy and interface design. I worked closely with product managers, developers, and banking partners to ensure seamless integrations with credit card systems, secure point conversions, and regulatory compliance.

UX / Design Highlights

• Designed intuitive, multi-source bill payment flows for managing multiple cards with real-time balance and due visibility
• Built a unified point aggregation system to convert and redeem points across different banks
• Enabled hybrid payment options combining reward points with other methods (cash, card)
• Applied visual grouping, color cues, and progressive disclosure to support clarity and reduce user effort
• Focused on mobile-first design with accessible layouts, clear hierarchy, and actionable components
• Collaborated with banking partners and engineers to support secure integration and regulatory compliance
• Designed clear display of limits, point conversion rates, and conditions to reduce user confusion and errors

Challenges

• Complex logic and variation in point conversion across multiple financial institutions
• Real-time syncing requirements for credit card balances, point availability, and limits
• Balancing flexibility with simplicity in high-stakes financial transactions
• Preventing user errors in hybrid payment combinations and edge cases

Outcomes

• Successfully launched across multiple merchant platforms with positive user feedback
• Increased usage of reward points in payments by over 30% during pilot
• Reduced transaction failures through clearer review and confirmation interfaces
• Established a scalable design system for future features such as cashback, installment payments, and loyalty wallet integration

Outcomes From Enhancing Paywise’s Performance & User Engagement

The redesigned Paywise Payment Experience focuses on simplifying complex flows, strengthening trust, and elevating the overall user journey through holistic UX improvements. These enhancements have led to significant growth across both business metrics and user behavior.

Business Outcomes

The new design delivered measurable business value, particularly in improving conversion and revenue performance.

Outcomes Conversation Rate Increased by Over 35%

Driven by:

• Single-Page Checkout, reducing friction and enabling users to complete payments more quickly

• Speed Optimization, improving load time and creating a smoother end-to-end flow

Reduced Cart Abandonment

• Introducing Guest Checkout, removing barriers for first-time or casual users

• Implementing Transparent Pricing, reducing last-minute confusion and increasing trust

Overall Result:

A significant uplift in total completed transactions, contributing directly to increased revenue.

User Engagement& Retention

These improvements reflect the success of a design approach that not only enables users to complete payments more easily but also encourages them to return and engage more frequently.

Engagement Rate Increased by 15%

Measured through:

• Higher frequency of user activity

• Increased entry rate into the Payment page

• A clear rise in the number of users who returned to complete another transaction within 30 days

  Major Improvements in Mobile UX

• A Mobile-First redesign doubled Mobile Session Engagement

• Significant reduction in input errors (card number, address fields, multi-step form mistakes)

• Lower drop-off rates on the Payment Form, especially on mobile devices