FINTECH

Pay Worldwide

A service that issues virtual currency cards to Russians so they can pay for purchases abroad and add them to Apple Pay. I analyzed the user flow for issuing and replenishing cards and proposed an updated UX that makes the process clear, fast, and visually calm.

FINTECH

Pay Worldwide

A service that issues virtual currency cards to Russians so they can pay for purchases abroad and add them to Apple Pay. I analyzed the user flow for issuing and replenishing cards and proposed an updated UX that makes the process clear, fast, and visually calm.

FINTECH

Pay Worldwide

A service that issues virtual currency cards to Russians so they can pay for purchases abroad and add them to Apple Pay. I analyzed the user flow for issuing and replenishing cards and proposed an updated UX that makes the process clear, fast, and visually calm.

Context

Context

Context

– A fintech service for Russians that issues virtual currency cards for payments abroad and in Apple Pay.

– My role: product designer, UX researcher.

– Goal: to find growth points in the card issuance and replenishment flow, increase trust, and simplify the process for new users.

– A fintech service for Russians that issues virtual currency cards for payments abroad and in Apple Pay.

– My role: product designer, UX researcher.

– Goal: to find growth points in the card issuance and replenishment flow, increase trust, and simplify the process for new users.

– A fintech service for Russians that issues virtual currency cards for payments abroad and in Apple Pay.

– My role: product designer, UX researcher.

– Goal: to find growth points in the card issuance and replenishment flow, increase trust, and simplify the process for new users.

Problem

Problem

Problem

Users were confused when choosing between two products: “Travel Card” and “Subscription Card.” The interface did not explain the difference, and the payment screen was stressful: the amounts looked random (2,937 rubles), and there was no sense of transparency or reliability.

What I did

What I did

What I did

– Conducted a UX audit of the current flow (registration → product selection → payment → top-up).

– Redesigned the card selection screen: now the service itself helps users determine the right product (“for travel” / “for subscriptions”).

– Added a clear description of the differences (currency, payment type, Apple Pay support).

– Redesigned the payment screen with a new visual language: rounded amounts, clear fees, and a clean hierarchy.

– Added a dark UX pattern — a countdown during payment to gently encourage completion.

– Proposed a new feature — auto-replenishment via SBP: the user links a Russian account, and the balance is updated automatically.

It's a win-win: the service gets increased retention, and the user gets fewer manual operations.

Results

Results

Results

– +20% increase in completed payments due to simplified product selection.

– +15% increase in repeat top-ups after adding auto-pay.

– Reduction in the flow time from “new user → active card” from 3 minutes to 1 minute 40 seconds.

– Increased trust: neutral UI style → feeling of “officialness” and security (based on user tests).

THANK YOU FOR READING

THANK YOU FOR READING

THANK YOU FOR READING

Check out other works

Check out other works

Check out other works

pavel@dovnar.ru