PayxPos
A payments site that shows its fees before the sales call.
Merchants are moving to cards fast, but acquiring fees are hard to compare and every quote starts with a sales call.
Show every product on one page, publish the fees, and give each kind of business its own page.
A product website for desktop and mobile: products, a public pricing table, industry pages, business account, ISV and white-label.
- What we did
- UX research
- UX/UI design
- Web + mobile
- Sector
- Payments
- Market
- Middle East
- Platform
- Product website
The insight
Cash is leaving the counter
Merchants are switching. They need a reason to pick you.
- 79%of Saudi retail payments were electronic in 2024SAMA, Apr 2025
- 16%of everyday UAE purchases still use cashVisa “Where Cash Hides”, Jan 2026
- +100%growth in Jordan’s CliQ instant payments, 2025JoPACC 2025 report
Who it’s for
Four merchants, four needs
Primary persona
Café owner
Runs the floor and the till, with no time for fine print.
Independent café or restaurant · card share rising · tips and split bills
Show me the fee, then we can talk.
Synthesised from research, not a quote
Goals
- Take cards fast at the table and counter
- Know what each payment costs
- Get paid out quickly
Frustrations
- Fees hidden behind a sales call
- Terminal downtime at rush hour
- Unclear settlement times
Behaviours
- Asks other owners which provider they use
- Compares quotes
- Wants a device running within days
What it means for the design
- A public pricing table
- A restaurants & cafés page
- Settlement speed per plan
Job to be done
When I need to take card payments, I want to know what it costs and how fast I can start, so I can get paid without surprises.
Driver or mobile seller
Wants to take cards with only a phone.
Tap to Phone, black cab solution
Retail ops lead
Runs many stores; needs acceptance and reporting everywhere.
Big retailers, unattended terminals
Software vendor
Wants to embed payments and share revenue.
ISV programme, white-label
Proto-personas · built from desk research, competitor review and the design file · assumptions to validate with client data
Customer journey
A café switches to cards
The café owner, from cash-only to paid by card.
| Stage | 01Trigger | 02Compare | 03Trust | 04Sign up | 05Get paid |
|---|---|---|---|---|---|
| Doing | Customers ask to pay by card | Compares providers’ fees | Looks for businesses like theirs | Applies, gets a device | Takes payments, checks payouts |
| Touchpoints | Customers, other owners | Provider sites, quotes | Industry page | Application, setup | Dashboard, bank |
| On their mind | Am I losing card customers? | What will each sale cost me? | Does it work for a café? | How soon can I start? | When does the money land? |
| Feeling | |||||
| Pain points | Losing sales to cash-only | Fees hidden behind “contact sales” | Is this for a café like mine? | Hardware cost and wait | Unclear settlement |
| Opportunity → design | Every way to get paid on home | Public pricing table, three plans | Restaurants & cafés page | Tap to Phone: start with a phone | Settlement speed per plan |
Current-state journey · Proto-journey from desk research and the shipped design · to validate with client data
User flow
Choose a plan
From the home page to a signed-up merchant.
- 01Home · products
- 02Industry page · cafés
- 03Pricing · three plans
- Online or in person?Online → pay by link
- 04Business account
- Sign up or talk to sales
Home
Every way to get paid
Terminals, Tap to Phone, online and wallets, one scroll.
Desktop home · Mobile home
Trust
Fees in public
Card present, online and by phone, compared in one table.
Solutions
Built around the business
Pages by industry and one account for the money side.
Design decisions
Every choice has a reason
What we chose, and the evidence behind it.
- 01
A public pricing table
Merchants can’t compare opaque acquiring fees, and similar merchants pay very different rates.
Reserve Bank of Australia, Jul 2025
- 02
Tap to Phone up front
Tap to Phone grew about 200%; nearly 30% of its sellers are new small businesses. PayxPos is Visa Ready certified.
Visa, Mar 2025
- 03
Pages by industry
Merchants look for their own case. A packaged solution shortens the evaluation.
Our reading
- 04
Apple Pay and Google Pay up front
Mobile wallets already carry about a fifth of UAE card transactions. Merchants need to accept them.
Visa “Where Cash Hides”, Jan 2026
