DeepStack Payment Processing Platform
DeepStack Payment Processing Platform
Implement the diverse payment methods to provide an efficient and flexible payment experience for users.
Implement the diverse payment methods to provide an efficient and flexible payment experience for users.
Timeline
I Aug 2024 - Oct 2024
Role
I UX designer in Digital Banking team
Timeline
I Aug 2024 - Oct 2024
Role
I UX designer in Digital Banking team
Project Overview
Project Overview
What is Deepstack?
Banc of California’s digital payment processing platform for merchants, enabling them to accept online and in-person payments while providing unified access to transaction data, account activity, and reporting within the bank’s ecosystem.
Banc of California’s integrated merchant payments platform with centralized transaction data and reporting.
Business Overview
Business Overview
Problem
The current platform relies solely on a virtual terminal, forcing manual card entry that is slow, error-prone, hard to scale, and limits security and customer self-service.
Only one payment method, limiting security and customer self-service.
Task
Implement new payment links as an additional payment method, enabling customers to pay independently while saving time, reducing errors, improving scalability, and enhancing security.
Implement payment links to enable independent customer payments.
Business Objective
Business Objective
The new payment links feature aims to:
15% *
15% *
increase in client retention
increase in client retention
25% *
25% *
increase in new client sign-ups
increase in new client sign-ups
*Numbers are hypothetical and based on market projections.
*Numbers are hypothetical, based on market projections.
Research & Discovery
Research & Discovery
To better understand competitors' payment methods and inform the design process, I conducted a comparative analysis of Square and Stripe, focusing on their user flows.
To inform the design, I analyzed Square and Stripe, focusing on their payment flows.
objective
Evaluate Square and Stripe flows to find ways to streamline Deepstack’s payment link experience.
Evaluate flows to find ways to streamline Deepstack’s payment link experience.
activity
Analyzed both flows to identify key patterns and inform payment link improvements.
finding
Square offered the closest, simplest match to Deepstack’s needs.
Define & Ideate
Define & Ideate
Use cases
I created two payment-method use cases and mapped step-by-step user journeys to understand behavior, visualize the end-to-end flow, identify overlaps, and streamline the experience for merchants and customers.
Defined two user journeys to compare payment methods and mapped step-by-step flows to visualize the end-to-end experience.
01. Virtual Terminal
a merchant enters customer's payment info
User Journey
User
Journey
Vivian buys flowers at Flower Shop Z and pays by credit card.
Vivian buys flowers at Flower Shop Z and pays by credit card.
Enter store
Enter store
Enter store
Select items
Select items
Select items
Checkout & pay
Checkout & pay
Checkout & pay
Receive items & receipt
Receive items
Receive items & receipt
02. Payment Link
a customer enters their payment info through the payment link
User Journey
User
Journey
Amy sees a chair in the X Furniture Shop catalog and wants to buy it and pay on her own.
Amy sees a chair in the X Furniture Shop catalog and wants to buy it and pay on her own.
Browse & order
Browse & order
Browse & order
Send link
Send link
Send link
Receives a payment link
Receives a payment link
Receives a payment link
Pay
Pay
Pay
Receive items & receipt
Receive items & receipt
Receive items & receipt
User Flow
I mapped both virtual terminal and payment link flows, identified shared entry steps, and unified them by integrating payment links into the virtual terminal, reducing cognitive load and keeping all payment options in one interface.
Mapped and unified virtual terminal and payment link flows into a single, centralized experience for all payment methods.
Object Map
Using the updated user flows and requirements, I created an object map to clarify the system structure, visualize how elements fit together, and ensure everything is efficiently organized and aligned with requirements.
Created an object map from updated flows and requirements to clarify system structure, visualize relationships, and ensure alignment.
Pain Points & Recommendations
Pain Points & Recommendations
Virtuall terminal
Current
Recommended
Current
Recommended
*mid-fidelity prototype is intended to show basic user flows only.
What I have learned
What I have learned
Through this project, I learned that even smaller initiatives benefit from a thoughtful UX process. By analyzing and combining two separate user flows, I created a more streamlined and optimized experience that reinforces the value of simplicity and efficiency in design.
Even small initiatives benefit from thoughtful UX. Combining two flows streamlined the experience and improved simplicity and efficiency.
Thank you for watching.
Thank you for watching.
Thank you for watching.
