Tomato Pay
Project overview
Tomato Pay is a revolutionary invoicing and instant payments solution powered by Open Banking that enables real time settlement of account-to-account bank transfers up to 94% cheaper and 95% faster than card or direct debit, removing the burden of cash, reducing the friction in clients payments, and offering stronger consumer fraud protection than currently exists online.
When I joined the company the product was at its MVP stage being a simple peer-to-peer payment app. Over the last year, my work has been focused on designing a mature application that allows users to rapidly create invoices on the go and collect payments from their customers through our own web checkout reducing payment frictions, late payments and improving merchants’ cash flow.
My role
UX Design / UI Design
Initial findings
Most SMEs don’t have an accounting or invoicing system and bill their clients manually
Late payments lead to cash flow problems and affect small businesses growth.
50,000 businesses go into administration every year as their invoices are not paid in time.
Invoicing, banking and payments products/journeys are completely disconnected.
Sole traders think admin work takes up time they could use to complete actual work and find new clients
Persona
Customer Journey
How Might We?
Information architecture
A quick look at the user interface
Create invoices in seconds and send payment links.
Tomato Pay enables you to create invoices in a matter of seconds and collect payments with an embedded checkout web application
Simply send an instant payment link over text, email or WhatsApp or Let your customers scan a QR code to pay in seconds from their phone.
Easy Open Banking checkout
Customers can pay through a frictionless web checkout powered by Open Banking Payment Initiation Service technology. They simply have to click on the link shared with the invoice and select their preferred Bank. Tomato pay own API will initiate a payment without having to share any account detail.
