Monnify Payment Links is a product designed to simplify the way individuals and businesses collect payments online. The product enables users to generate custom payment links without needing a website, coding skills, or complex integrations. It’s geared towards a diverse audience, including event planners, business owners who sell on Instagram and WhatsApp, SMEs, freelancers, and digital content creators, offering a hassle-free method to manage payments.

Many small businesses and individuals struggle to collect payments online without relying on complicated payment systems or creating a website, for which they most likely need a developer. There’s a growing need for a no-code solution that allows users to collect payments quickly, efficiently, and securely.

This case study explores the design process for Monnify Payment Links, which is aimed at making payment collections more accessible for non-technical users.

With a solution in mind specific goal where set and they are:

Enable easy payment collection for a wide range of users, including event organizers, solopreneurs, SMEs, freelancers, and digital content creators.

Eliminate technical barriers by offering a solution that doesn't require coding or integration with a website.

Provide flexibility in how business collect payments, whether for one-time purchases, subscriptions, or multiple items.

Offer customization options that allow businesses to gather additional customer information as needed.

Empower businesses to track and analyze payments through a centralized dashboard, improving payment monitoring and customer data management. Target Audience

Event Organizers: Selling tickets or collecting payments for events without needing a website.

Solopreneurs: Selling products or services directly to customers through social media and messaging apps.

SMEs and Startups: Collecting payments without requiring complex systems or websites. Freelancers: Managing payment collections from clients efficiently.

Digital Creators: Monetizing their skills and content.

To gain deeper insights into the needs of various users, we conducted interviews with a diverse group that included event organizers, solopreneurs, and SMEs. These conversations were crucial in identifying common pain points and uncovering specific features that would provide real value to users.

The key takeaways are: Simplicity and Flexibility: Many users emphasized the need for a simple, flexible solution that doesn’t require technical expertise.

Multiple Item Options: A common request was the ability to offer customers more choices. One user mentioned, “It would be great if I could create multiple item options so my customers can select what they need from the link.”

Personalization: Branding was a priority for many users. As multiple business owners stated that they want to customize the payment link with my logo, colors, and images, so it reflects their brand.

Custom Fields: Several users also wanted more flexibility in data collection. The more technical business owners explained that, “Being able to add custom fields would help me gather extra information from their customers/users, like delivery details or specific requests.”

I analyzed similar products on the market, such as Paystack Payment Pages and Flutterwave Payment Links, to identify gaps and opportunities for Monnify. Users appreciated no-code tools but often needed better customization and payment tracking features.

The solution for Monnify Payment Links is to provide a no-code, easy-to-use platform where individuals and businesses can create personalized payment links to collect payments without needing a website, coding knowledge, or technical integrations. It is designed to simplify payment collection by offering flexibility through different payment link types and a streamlined user experience.

Focuse was on making the payment link creation process seamless, ensuring merchants could quickly create, copy, and share payment links directly from the dashboard. The layouts were designed to streamline the process, allowing businesses to generate links efficiently while ensuring all vital details were clearly presented.

The payment link details page included all relevant information, enabling users to review, make informed decisions, and track transactions. We also designed a parallel view for the customer page, allowing customers to see the item details and price, and providing the necessary information to complete the transaction. The customer view featured elements that made it easy for users to identify the page with the business, while still being clean and organised.

A usability test with business owners found the experience intuitive and comprehensive. However, it unveiled potential enhancements, such as

Less complex creation process, particularly when setting up more detailed information for collection.

Tech-savvy business owners and startups desired a more robust custom field feature, including input validation and file upload capabilities.

Certain users who used the customer view for payments suggested that the layout could be more compact.

Based on this feedback, I refined the design by converting the payment link creation process into a step-by-step form, reducing cognitive load and simplifying the experience. Additionally, I updated the customer view to a more familiar design that customers are accustomed to, enhancing their overall experience.

The custom field feature was enhanced by introducing additional field types, such as drop-downs and file upload options, to offer merchants more flexibility in collecting specific information from customers. In addition, field validations were added to ensure data accuracy, allowing merchants to validate inputs like email addresses, numbers, or other required fields. These improvements provide businesses with greater control over the data collection process, ensuring that they can gather the necessary information efficiently and accurately for each transaction.

The final UI design addressed user problems by reducing cognitive load and delivering a cleaner, more intuitive experience. We improved the customer view by balancing contrast and using a familiar layout, giving users a simpler experience to easily make decisions and complete payments.