Designing one checkout for a world of currencies.
Designing one checkout for a world of currencies.
Pactis · Product Designer · Fintech · B2B2C · Payments
Pactis · Product Designer · Fintech ·
B2B2C · Payments
Pactis was a global checkout experience designed to let businesses accept payments across fiat and crypto, with support for fixed pricing, dynamic invoices and multiple payment methods. I designed the customer-facing experience across desktop and mobile, working from merchant and customer research through testing and final handoff.
Pactis was a global checkout experience designed to let businesses accept payments across fiat and crypto, with support for fixed pricing, dynamic invoices and multiple payment methods. I designed the customer-facing experience across desktop and mobile, working from merchant and customer research through testing and
final handoff.
This case study covers the customer experience. Merchant setup is excluded due to NDA.
This case study covers the customer experience. Merchant setup is excluded due to NDA.
Project Overview
Project Overview
We developed a global payment checkout modal that enables businesses to receive payments in multiple currencies (fiat and crypto) while offering flexibility in payment collection (fixed amounts, dynamic invoicing, and e-commerce integrations). The solution
is a web-based, mobile-responsive widget that can be embedded into any website or payment link.
We developed a global payment checkout modal that enables businesses to receive payments in multiple currencies (fiat and crypto) while offering flexibility in payment collection (fixed amounts, dynamic invoicing, and e-commerce integrations). The solution
is a web-based, mobile-responsive widget that can be embedded into any website or payment link.
Background
Background
The need for our payment modal emerged from deep merchant and user research. Interviews with 15+ small and medium-sized businesses revealed lost sales from currency limitations and crypto payment gaps. Competitor benchmarks (Paystack, Flutterwave, etc) exposed missing features like seamless fiat-crypto switching. These insights drove our solution: a unified checkout eliminating currency barriers while building trust in crypto payments.
The need for our payment modal emerged from deep merchant and user research. Interviews with 15+ small and medium-sized businesses revealed lost sales from currency limitations and crypto payment gaps. Competitor benchmarks (Paystack, Flutterwave, etc) exposed missing features like seamless fiat-crypto switching. These insights drove our solution: a unified checkout eliminating currency barriers while building trust in crypto payments.
Pain Points Discovered
Pain Points Discovered
Currency Conversion Hassles
Customers paying in different currencies could face conversion issues
and unnecessary losses.
Customers paying in different currencies could face conversion issues and unnecessary losses.
Limited Payment Options
Many businesses couldn't offer both traditional and crypto payment methods.
Many businesses couldn't offer both traditional and crypto payment methods.
Rigid Pricing
Lack of dynamic pricing for different customers or regions.
Lack of dynamic pricing for different customers
or regions.
Poor Mobile Experience
Existing checkout flows often weren't designed around mobile-first payment behavior.
Existing checkout flows often weren't designed around mobile-first payment behavior.
Currency Limitations
Currency & Payment Limitations: About 30% of SMBs reported losing international customers due to unsupported currencies. Only a few businesses could accept crypto, missing out on a growing payment segment.
Currency & Payment Limitations: About 30% of SMBs reported losing international customers due to unsupported currencies. Only a few businesses could accept crypto, missing out on a growing payment segment.
Design Process
Design Process
Research & Benchmarking
Analyzed competitors (Stripe, PayPal, Flutterwave) to identify UX gaps. Conducted user interviews with 15 merchants and 10 customers.
Analyzed competitors (Stripe, PayPal, Flutterwave) to identify UX gaps. Conducted user interviews with 15 merchants and 10 customers.
Wireframe & Prototyping
I began with the Merchant’s set up for the Modal (which is beyond the scope of this case study). The set up covers the currencies the merchant want’s to receive as payment, how dynamic the payment should be, and which regions it is accessible to.
I began with the Merchant’s set up for the Modal (which is beyond the scope of this case study). The set up covers the currencies the merchant want’s to receive as payment, how dynamic the payment should be, and which regions it is accessible to.
Usability Testing
Testing was done in 3 phases. In-house testing with the PMs, engineers and stakeholders, Then testing with the Merchants followed by the Customers. The final designed evolved accordingly...design is never finalized anyway.lobal Payments – Allow merchants to receive funds in preferred currencies.
Testing was done in 3 phases. In-house testing with the PMs, engineers and stakeholders, Then testing with the Merchants followed by the Customers. The final designed evolved accordingly...design is never finalized anyway.lobal Payments – Allow merchants to receive funds in preferred currencies.
Final UI & Handoff
Setting up components and necessary documents for the engineers and
other team members.
Setting up components and necessary documents for the engineers and other team members.
Fixed & dynamic pricing
Fixed & dynamic pricing
A checkout can start with a fixed price without forcing every customer to think in the merchant's currency. I designed the experience so the amount could adapt to the customer's preferred currency while preserving the original value.
A checkout can start with a fixed price without forcing every customer to think in the merchant's currency. I designed the experience so the amount could adapt to the customer's preferred currency while preserving the original value.
For use cases like donations, the amount itself could remain flexible while the checkout structure stayed consistent.
For use cases like donations, the amount itself
could remain flexible while the checkout structure stayed consistent.
Choosing a payment method - Bank Transfer
Choosing a payment method -
Bank Transfer
Select your preferred means of payment and proceed.
Select your preferred means of payment and proceed.
Pay With Debit Card
Pay With Debit Card
Pay With Direct Debit
Pay With Direct Debit
Pay With Wallet
Pay With Wallet
Pay With Crypto
Pay With Crypto
Crypto was presented alongside traditional payment methods rather than as a separate experience. The goal was to make the underlying payment rail different while keeping the customer's mental model of checkout familiar.
Crypto was presented alongside traditional payment methods rather than as a separate experience. The goal was to make the underlying payment rail different while keeping the customer's mental model of checkout familiar.
Making payment choice feel simple.
Making payment choice feel simple.
Pactis reinforced a principle I keep coming back to in financial products: flexibility shouldn't mean complexity.
Pactis reinforced a principle I keep coming back to in financial products: flexibility shouldn't mean complexity.
Customers can have more currencies, more payment methods and more ways to transact - as long as the interface gives them a clear path through the decision.
Customers can have more currencies, more payment methods and more ways to transact - as long as the interface gives them a clear path through the decision.
Web View
Web View
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Up Next
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You’ve seen the work. You’ve
met Batman. Now let’s build
something difficult.
birthrightntuk@gmail.com
You’ve seen the work. You’ve
met Batman. Now let’s build
something difficult.
birthrightntuk@gmail.com
You’ve seen the work. You’ve met Batman. Now let’s build something difficult.
birthrightntuk@gmail.com