Smart Payment Button - Vaulted Experience
Putting the “Smart” into the javascript enabled Smart Payment Button by enabling users to checkout straight from the button with the flexibility of choice and reassurance that they need. Merchant integration for this solution accounts for over a quarter of all integrations and is rapidly growing.
Problem
Users are being thrown into a required billing agreement flow and get locked into a specific FI for repeat transactions. Multiple pain points occur during this process, the most common being the lack of context to why they are getting this experience in the first place. The user looses control for subsequent transactions, since they get locked into the FI that create this billing agreement with. All the while the user is just trying to complete the transaction at hand.
Challenge
Finding a balance between speedy checkouts, choice and user confidence, while properly setting the context for subsequent transactions.
Discovery
Users we interview wanted a faster way to checkout, but showed hesitation when face with a checkout that sacrificed reassurance. We found that one click was one too few and no amount of information inside of the button could solve for that. Therefore we needed to create a way to show users the information they required, yet still felt and performed faster.
Customer Values
Control
Speed
Transparency
Customer Journey (Before)
Customer Journey (After)
Concepts
Final Design
Outcome
Click through rate - up 13-15% per FI
Conversion - up 2-6% regionally