Concept project

goPay

Tap-to-pay wallet that removes decision friction by bringing rewards into the payment moment.

Role: UX Designer

Deliverables: Flow, research, prototype, UI

Focus: Payment clarity, rewards integration, confirmation hierarchy

Problem

Paying with rewards introduces friction at the exact moment speed matters most.

  • Users switch between payment and rewards apps

  • Decisions about points or cards slow transactions

  • Confirmation uncertainty reduces trust

Users wanted convenience and value maximization, but not at the cost of speed.

Design Goal

Create a payment flow where:

  • The next action is always obvious

  • Success is unmistakable

  • Cognitive load is minimized at the terminal

Key Product Decisions

1. Remove decisions at payment moment

  • Default card preselected

  • Rewards applied automatically

  • No branching paths during transaction

Reasoning:

Small purchase contexts require speed over flexibility.

2. Make confirmation explicit and visible

  • Merchant and amount shown clearly

  • Immediate success state after tap

  • Receipt treated as closure, not optional detail

Reasoning:

Trust comes from visibility, not hidden processing.

3. Shift security earlier in the flow

  • Biometric setup before first transaction

  • Trust established before payment moment

Reasoning:

Security friction during payment increases hesitation.

Result

The flow brings rewards into the payment moment, reducing decision friction and simplifying user choice.

Core Flows

Two flows showing how hierarchy reduces friction at the moment of payment.

Flow 1: Onboarding to ready-to-pay

Goal: Remove setup hesitation before first transaction.

Screen 1: Value introduction

One benefit and one CTA, with rewards positioned as built-in value.

Screen 2: Value introduction

Minimum required fields, with the “why” stated inline to reduce trust friction.

Screen 3: Biometric setup

Biometric confirmation introduced early so approval feels predictable at payment

Screen 4: Add payment card

Scan is the primary path, manual entry secondary

Flow 2: Tap to pay with integrated rewards

Goal: Remove friction in decision-making during payment.

Screen 1: Payment ready

Default payment card already selected. Rewards applied automatically. Device ready to tap.

Screen 2: Payment Confirmation

Merchant and final amount clearly displayed.
Immediate success state after tap.

Screen 3: Receipt and transaction details

Full transaction details visible.
Receipt treated as closure.

Outcome

The final design reduces friction during payment by simplifying decisions and making transaction outcomes explicit.

• Rewards integrated directly into the payment moment, eliminating the need to switch between apps.

• Default payment method and automatic reward application reduce decision making at the terminal.

• Clear confirmation and receipt screens reinforce trust in the completed transaction.

What I would improve next

• Allow users to toggle automatic rewards application for larger purchases where flexibility may matter more than speed.

• Surface reward balance and earning feedback earlier in the flow to strengthen perceived value.

• Explore smartwatch and quick-access experiences for even faster tap-to-pay interactions.