J.P. Morgan & Chase

Guiding commerce on the go

Designing tap to pay acceptance interactions for enterprise merchants

Lead Product Designer

Overview

JPMorgan is building a white-labeled tap-to-pay integration for merchants to conduct contactless payments with just an Android phone.

The Challenge

Collecting the tap is difficult for merchants because NFC chips are located on the back of Android phones. This results in confusion when the customer tries to tap their card or phone.

The Solution

Designed a full tap-to-pay experience that not only integrates with an existing merchant POS system, but also clearly communicates how to facilitate the tap interaction.

Meridian Apparel

Tap to Pay

Gift CardCash

Interaction Points

Each step in the flow reinforces where to tap, what the terminal is doing, and when the payment is complete.

Merchant extends out mobile terminal

Customer taps card at the back of the phone

Terminal NFC chip reads and collects card information

Merchant and customer see the transaction is completed

Explorations

Early concepts explored how to orient the merchant, surface the NFC zone, and signal progress through the tap without adding friction at checkout.

Tap on the back

Total

$46.00

1. Simple, restrained, emphasizing the trust and security of the JPM brand

Pay Meridian Apparel

$46.00

Tap on the back

2. Paying homage to the Chase mobile reader flipping from the merchant to the customer

$46.00

Tap on the back

3. Utilizing animated illustrations to mimic the real world tap scenario

Tap on the back

4. A burst animation providing visual feedback when the card is nearby

Designing for launch

When deciding a final direction to take for our pilot experience, I worked with Product and Engineering to balance tech constraints with business objectives. We decided to keep the standard multi-dot reader animation, static phone illustration to convey the desired interaction, and JPM seal to maintain a competitive edge.

Role

Lead Product Designer.

Outcome

Piloted a tap-to-pay acceptance experience that clarifies where to tap on Android phones, reducing merchant and customer confusion at the point of payment.

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