Payments

Crafting the payments experience

I initially crafted early concepts of our payments experience, focusing on maximizing speed, simplicity, clarity, and ease of use. To ensure customers were clear and intentional when making the final interaction, I introduced and tested a slide-to-pay feature that required deliberate action to complete transfers. As the product evolved, I hired and mentored other product designers who worked on the enriched international payments feature set, scaling the experience while maintaining our core UX principles.

Clear, transparent fees

We made fee transparency a core design principle. Customers see exactly what they're paying, with progressive disclosure of conversion rates, transfer fees, and totals at every stage of the journey. By surfacing this information upfront, we built trust and removed uncertainty from international transfers.

Multi-currency wallets

We designed wallets that let customers hold, send, and convert money across currencies with ease — making global payments more transparent, flexible, and convenient.

International payments in the product

The send and receive experience had to feel as straightforward as domestic banking while exposing the extra detail customers need for cross-border transfers—rates, timing, and fees—without overwhelming the primary task.

FX top-ups

Customers can add funds to foreign-currency wallets in one place, with clear funding sources and rates so topping up stays as understandable as spending—reducing hesitation before an international send.

FX payment tracking

I designed a real-time payment tracking system that gives users complete visibility into their international transfers. Users can track FX payments as they move through intermediary banks, receive instant notifications when recipients are paid, and follow their payment's journey from initiation to completion. This transparency eliminates uncertainty and builds trust in cross-border transactions.

Shareable SWIFT fees

With shareable SWIFT fees, you can decide who pays the intermediary bank charges on every transfer. The app clearly shows how each choice impacts what the recipient gets and provides a full fee breakdown so there are no surprises.

FX sweeping

When you don't have enough balance in a currency, FX Sweeping instantly pulls funds from your other wallets and converts them at the best available rate. The app shows a clear breakdown of each linked conversion, so you know exactly where your money came from and how much was exchanged.

A more social way to pay

I collaborated closely with product designers to shape the payment handles feature, providing direction and design feedback throughout. The result was a more social payments experience that lets users send and receive money using a simple handle, without needing to share account details.

Each user is given a unique payment handle that represents them across the product. By sharing this handle, users can send or receive money without exposing account details, making payments feel more personal and better suited to social contexts like messaging apps and social platforms.

Outcomes

The payments work shipped as part of Zing's core banking proposition: a coherent international layer—transparent pricing, deliberate confirmation, wallets, tracking, and advanced FX behaviours—that stayed understandable as the feature set grew. Deeper product metrics sit with the business; this case study focuses on the experience principles and craft that made that surface credible.