Payoneer Payment Application Redesign

Payoneer’s cross-border payments platform empowers businesses, online sellers, and freelancers to pay and get paid globally with the ease they expect locally. With multi‑currency receiving accounts, seamless payouts, transparent fees, and trusted compliance, you can invoice, withdraw, and manage funds across markets without friction—so you expand confidently and get paid faster.

Context

I had been a Payoneer user for seven years and loved its global payment capabilities. When the mobile app launched, I was excited—but as a regular user, I ran into friction and noticed missing features. I saw it as an opportunity to study the app and its users more deeply and explore ways to streamline the experience.

This conceptual project emerged from those firsthand pain points with the Play Store version. I set out to redesign the app to remove the hassles—consolidating flows, reducing steps, and addressing gaps—so core actions felt simple, fast, and trustworthy.

My Role

Lead Product Designer

Tools

Figma, Asana, Zoom, Slack, Zeplin

Responsibility

Design Leadership: Led the full design process from conception to handoff.

UX Audit & Strategy: Conducted a comprehensive UX audit to identify pain points and developed a new UX strategy to enhance usability and align with business objectives.

Competitor Analysis & Wireframes: Analyzed competitors to identify market opportunities and created wireframes to establish a clear user flow and structure.

Mobile-First & UI Design: Designed intuitive, visually appealing interfaces with a mobile-first approach for optimal accessibility and engagement.

Developer Handoff: Provided detailed design specifications and assets for seamless developer implementation.

Problem Statement

Core payment tasks in the Payoneer app—requesting, sending, withdrawing—are fragmented between app and browser, forcing repeated logins and breaking continuity. Inconsistent UI patterns, limited polish, and weak hierarchy make key actions harder to find and complete, increasing cognitive load, undermining trust, and lowering completion rates across multi‑currency journeys.

Introduce cohesive, native flows with single, secure authentication while elevating the interface via consistent components, readable typography, and strong affordances. Applying optimized personal branding—refined color system, layout, iconography, and micro‑copy—can boost clarity, reinforce identity, and drive recognition and engagement without sacrificing usability.

Facing problem

Goals

Most Payoneer users rely on the product to send and receive payments quickly. In the current app, these core tasks are fragmented: initiating a payment triggers a browser redirect and a second login. This breaks task continuity, increases cognitive load, and erodes trust.

Reduce friction in core money flows (request, send, withdraw).

Keep users in-app with a single, secure authentication.

Clarify pathways and status across multi‑currency accounts.

Approach

I mapped the end‑to‑end payment journeys and identified the primary drop‑off points (redirects and repeated logins). I then designed native flows for “Request Money,” “Send Money,” and “Bank Withdrawal” with:

Clear entry points on the home screen.

Progressive disclosure for compliance steps.

Transparent fees and real‑time status updates.

To Improve Outcomes, I Surveyed My Colleagues, Friends, and Clients

Audience fit: 68% are 18–29, signaling a mobile‑first, high‑bar UX expectation.

Usage frequency: 96% shop online at least “average,” demanding fast, reliable payments.

Core checks: 96% review balances monthly; flows must be effortless and predictable.

Low weekly engagement: Only 4% interact weekly, pointing to friction and broken trust.

UX impact: Single authentication and clear in‑app paths can convert monthly users into weekly power users.

Based on the personal interview & survey, I captured a few key problem.

A significant number of users expressed dissatisfaction about the following issues. I’ve compiled these pain points into a clear list:

Users are upset about missing features such as sending money, receiving money, and bank withdrawal.

Users feel stressed about multiple sign-in processes.

Users felt a bit depressed about the visual appearance of the app.

Capturing Real Reactions to the Current App

Drawing from user interviews, I mapped the end‑to‑end journey to understand how people navigate core tasks and where they encounter friction. The map highlights moments of confusion—like browser redirects and repeated logins—and surfaces emotions tied to missing features and visual design. These insights guided targeted improvements to flows, authentication, and UI clarity.

Tracing a problem to its origins by doing Root Cause Analysis.

By doing this, we can see the major issue here. If a user wants to send money, request money, or withdraw money, then Payoneer redirects them to the browser, and the user has to log in from the website and do their task from the web app.

Optimized new user flow

From checking balance to completing multiple payment requests. Building a user path is a vital step in developing any web or mobile app. Studying all of the possible situations allows us to keep away from a few issues that display later.

Wireframes

After an extensive, hands‑on exploration and plenty of solo brainstorming, I landed on a well‑defined direction. With that clarity, I moved into the wireframing phase—turning insights and ideas from this fun side project into a structured foundation for the product’s design and user experience.