Paystack Vault

Online shoppers in Nigeria frequently abandon checkout flows due to the friction of manually entering financial details, combined with low trust in online card storage. The goal was to design a hyper-secure digital wallet that felt instant, built radical trust, and elegantly managed strict BVN/OTP security protocols without introducing frustrating friction.

An inline checkout experience that allows users to opt-in with a single tap, backed by a dedicated management portal. The design leverages familiar multi-channel verification (SMS and WhatsApp OTPs) to authenticate transactions seamlessly while giving users absolute control over their saved data.

• Zero-Friction Opt-In: Integrated the “Save to Vault” option natively into the existing Paystack “Pay With Bank” checkout window. Users save their details seamlessly during a live transaction rather than via a forced, separate onboarding flow.
• Transparent Security Architecture: Designed clear, reassuring microcopy and visual anchors around BVN linking. Transformed a rigid regulatory requirement into a trust-building milestone.
• The Multi-Channel OTP Screen: Designed a highly responsive verification state optimised for erratic carrier networks. Features clear countdowns, instant error states, and a prominent fallback option to switch from SMS to WhatsApp authentication.
• The Control Centre: Crafted a clean, minimalist web dashboard allowing users to instantly revoke merchant permissions, manage saved cards, and view security logs, ensuring they always feel in complete control of their financial footprint.

• Minimised Cart Abandonment: Drastically reduced the time-to-payment for repeat customers by eliminating manual input.
• Elevated Checkout Success Rates: Smoother OTP routing configurations directly translated to fewer technical drop-offs.
• Scalable Trust: Successfully launched a high-adoption fintech feature that balances rigorous security regulations with an effortless, invisible-feeling user interface.