Payment Flow

Aryeo
Project Requirements
Role: Product Designer, UX Researcher
Product: Aryeo (real estate media and transaction platform)
Problem: The existing payment flow relied on third-party redirects that interrupted users, created friction, and increased transaction costs at scale.
Solution: A streamlined, embedded payment experience that reduced friction and optimized for high-volume transactions.
Outcomes
- Eliminated unnecessary redirects in the payment flow
- Saved the business $0.05 per transaction across thousands of daily payments
- Inspired three follow-up projects across the product
Problem & Context

Payments are a critical workflow in Aryeo. Users want to complete transactions quickly and confidently, without confusion or interruption. The existing flow:
- Redirected users to third-party payment pages
- Introduced visual and contextual disconnects
- Increased drop-off risk during a high-intent moment

At Aryeo’s scale, even small inefficiencies in the payment flow had outsized business impact.

The challenge was to redesign the payment experience to:
- Reduce friction and cognitive load
- Maintain trust and security
- Improve efficiency at scale

My Role & Ownership

I worked as a product designer and UX researcher, partnering closely with product management and engineering.

I was responsible for:
- Analyzing the existing payment flow and drop-off points
- Leading UX research to understand user expectations and pain points
- Designing a simplified, embedded payment experience
- Collaborating with engineering to balance UX improvements with technical constraints

Design Strategy

Rather than adding features, the strategy was to remove unnecessary steps.
The design focused on:
- Embedding the payment flow within Aryeo
- Maintaining visual continuity to reinforce trust
- Clear hierarchy and feedback during the transaction process
- Error prevention and recovery without disrupting momentum

The goal was to help users complete payments quickly and confidently.

Text outlining interview questions about payment flow, user pain points, and how to solve issues, including a note to interviewer on categorizing pain points.
Snippet of interview guide to understand users' pain points with the current order form.
A complex flowchart or mind map displaying multiple colored text boxes connected by lines, organized under headings like Features, Issues, and Dynamic Territories, detailing various topics such as refunds, time zones, sales tax calculation, card storage, labeling service, and marketing templates.
Portion of the analysis work done in Dovetail.

User Research

Before working on any designs, I needed to get a better understanding of what our users need from this payment processor. First, I went through Canny posts to get insight into some of the needs that our users were voicing regarding using key words like "payments," "order placement," and "order form." To strengthen my secondary research efforts and get qualitative insights I conducted generative user interviews. I started out preparing a user interview guide that would help me in conducting interviews with users who have placed the highest amount of orders.

After completing 10 user interviews, I analyzed these interviews in Dovetail. With this analysis, I realized that some of my assumptions regarding the cognitive load of the redirects, multiple modal and clicks were misguided. Some users didn't find these cumbersome and, in fact, many of them were wary of using our payment processor and didn't feel like they could trust our processor when compared with more established processors like Stripe or Square. Further, I realized that many of the benefits of Aryeo payments would actually come from adjacent technical ramifications of this processor, such as being able to process refunds internally, having the option to store and validate credit cards, being able to automatically calculate sales tax, and being able to provide invoices.

Four grayscale payment form wireframe options labeled Option 1, Option 1 optional items filled, Option 2, and Option 3, showing fields for card information, billing address, and payment summary with sticky notes highlighting different payment flow features, plus a narrow iPhone 8 payment form on the right side.
Wireframes exploring promo code and tip placement with a split screen order form layout.
Grid of eight grayscale wireframe screens labeled Wireframe 1.1 to 2b.2, showing various UI layouts with highlighted yellow annotation boxes.
Wireframes exploring solutions for displaying order details before finalizing the order.  
Three wireframe screens showing order summary and payment method details with annotations explaining user interface behaviors for credits, tips, and payment options including Apple Pay.
Wireframes exploring tip selection for an order, payment with a saved card or ApplePay, and application of a promo code. 

Wireframing

As more stakeholders started contributing to this project, offering multiple new viewpoints to the table, I had to iterate several times during the course of the project. Many of these iterations consisted of small visual changes, such as defining an alternate layout and better presentation of the key functions of the page.

Multiple types of flows were wireframed to show key workflows such as paying with a promo code, adding a tip to the order, or doing a partial payment. Some of these options are shown on the right.

An obstacle that I encountered in this part of the process was trying to balance stakeholder input with the best experience for users. As such, I had to cycle between wireframing and high-fidelity mockups/prototypes as stakeholder priorities were changing. This project followed a very iterative design process.

Payment pages showing items in cart and payment method
Views for a flow with saved cards and full payment required upfront.
Three side-by-side screenshots of BQ's Photography Order Form on iPhone 14, showing steps with subtotal of $179.10, tip due of $94.03, and payment method selection including debit/credit card and Apple Pay. The right screenshot has a filled card number field.
Mobile view showing responsive version of the order form with partial payment required and credit card form field.
Online order confirmation page for BQ's Photography showing order summary with subtotal, discount option, tax, and total amount, plus payment method stating no payment required and buttons for Previous and Confirm.
View with no payment required upfront.

High-fidelity Mockups and Prototyping

After wireframing helped me to define a layout and the best way to format and present information, I moved on to create high fidelity desktop and mobile mockups for the following user flows:
- Flow 1: full payment, saved cards, add tip, add discount, option to pay with Apple Pay, apply credit
- Flow 2: partial payment, no credit, no saved cards
- Flow 3: no payment
-Flows 4 & 5: order edit page slideover for the vendor UX and the customer UX

I was able to craft these higher fidelity designs by taking advantage of the design system already established by the business. Due to this, all the components necessary for this solution were already available.

Key Results

100%
Reduction in redirects leading to a seamless in-platform experience
$0.05
Amount saved per transaction by the business with users adopting the new in-house payment processor
3+
Number of projects in the roadmap this project inspired  

Project Learnings

01
Establishing who the stakeholders are before initializing a project
While the design process is iterative in nature, the process can become complicated when we don't have all the necessary stakeholders participating in the project from the get go. As people join in later on in the process, it becomes harder to accommodate and implement everyone's insights. This experience has taught me to make sure that before I start any project, I should first make sure I know who the key decision makers will be on the project.
02
More user (usability) testing of prototypes
Due to the time constraints involved in this project, I wasn't able to test out the latter-stage prototypes with the users. This was a significant concern of mine because many of the decisions we made during the wireframe iterations were not backed up by user research. However, thankfully, some of this user testing was accomplished through an adjacent project I did, which helped me to see more clearly the areas of improvement for this payment project.
03
Business needs don't always match user needs
While the business decided it would be financially advisable to build their own payment processor, when testing with users, they actually entrusted the existing third-party solutions we had been using up to that point. In cases when a reduction in cost trumps user's trust in a novel solution, it's important to carefully consider key decision factors that users may have for or against using a novel solution.
04
Being aware of scope creep
Given that this project went through several iterations before final approval, I've learned through this project to always cross-check with the original project requirements to ensure that the design is not trying to accomplish too many extraneous items that were not planned for at the project's onset.