Payment Link - Abdillah Zihni

(A/Z)

WORK

ABOUT

Book A Call

(A/Z)

Payment Link

Services

UX DESIGN

YEAR

2025

COMPANY

Ayoconnect

(Background)

Enables merchants to collect payments via shareable links

Ayoconnect enables businesses to manage and accept payments through a unified platform. Many merchants needed a simple, flexible way to charge customers remotely, especially for invoices sent via email or chat.

To address this, we introduced Payment Link:
a feature allowing merchants to generate a custom payment link and send it directly to their customers.

I was responsible for:

Owned the customer and merchant payment experience end to end

Defined payment flows, system states, and method constraints
Delivered hi-fidelity designs and partnered closely with product and engineering through implementation

(challanges)

Merchants faced friction when requesting payments outside of their own checkout flows.

Merchants lacked a reliable way to request payments outside of native checkout experiences. Customers receiving payment links needed immediate trust, clear expectations, and unambiguous feedback during high-stakes financial transactions.

From the things above, my team and I decided to cut several stages of the design process and focus on the function and features. The following is the process design that my team and I carried out:

Key challenges:

No simple way to request remote payments

Different business use cases required different payment behaviors
Customers needed a trustworthy, clear, and frictionless payment experience

From the things above, my team and I decided to cut several stages of the design process and focus on the function and features. The following is the process design that my team and I carried out:

Constraints :

Very tight timeline
Complex payment rules
High trust and clarity required (financial product)

Because of this, the process focused on speed + clarity, not heavy documentation.

From the things above, my team and I decided to cut several stages of the design process and focus on the function and features. The following is the process design that my team and I carried out:

(Discover)

Quickly identify proven payment patterns to design a reliable Payment Link experience under tight timelines.

Competitor Snapshot :

What Actually Mattered :

(Define)

Define phase focused on fast alignment rather than long discovery cycles.
I facilitated working sessions with the Product Manager and Head of Product to translate insights into clear product decisions.

Key Questions We Framed :

Key Decision :

(Design - Merchant)

Merchant Flow

Merchant manage payment link
Merchant creates a payment link from the dashboard
Sets amount and payment type
Chooses delivery via email

Merchant manage payment link
Merchant creates a payment link from the dashboard
Sets amount and payment type
Chooses delivery via email

(Design - Customer)

Customer Flow

Customer opens the link from email

Sees invoice details and total amount
Selects available payment methods based on flow
Completes payment
Receives clear success or failure feedback

From the things above, my team and I decided to cut several stages of the design process and focus on the function and features. The following is the process design that my team and I carried out: