Multi-Network Payment Gateway

Project overview

Project brief

Paycraft is a SaaS solutions  that enables individuals and business to disburse and collect payments through their registered mobile money accounts.  Users can integrate Paycraft with their mobile account, make payments, request payment and monitor their incoming revenue and expenses.

The challenge

Other that the mobile money paybill number attached to their shops, businesses do not have any other way to request payment or view business income report. There is also no way for them to obtain advanced analytics on their transactions.


I designed Paycraft to enable business to collect and disburse recurring payments to anyone, regardless of their mobile network. And customers can pay any business via mobile USSD. The software also offers reporting and analytics tools to empower businesses, providing them with valuable insights.

solution breakdown

The main focus

How might we... a payment gateway software that not only streamlines financial transactions for small business owners but also simplifies payment processes for their customers?

01 - main dashboard

Transfer payments & view transaction summary

  • Enable users to quickly collect payments by creating and sharing a payment link via mobile number or email
  • Enable users to sent payments by entering recipient phone number
  • Confirmation and feedback for each transaction
  • Users can get a summary of incoming and outgoing payments

02 - mobile networks

Integration with 4 networks in the country

  • Users can integrate with the mobile money provider of their choice Vodacom, Tigo, Airtel and Halotel.
  • Users will get to test each integration before submitting their information

03 - payment links

Generate, share and manage payment links

  • Users can generate payment links, specify the recipient, amount, expiry date and payment plans.
  • Users can can share payment links via email or phone numbers
  • Users can view analytics on installments paid or still pending

04 - signup & onboarding

Sign up and verification

  • Designed with OTP verification for an additional layer of authentication.
  • Error feedback messages to provide clear, user-focused guidance and empowering users to independently correct issues, enhancing the overall experience.

My process

The journey to a user-centric solution

My design process involves comprehensive research including mixed-method interviews, analysis using user persona. I created a brand guide to ensures a consistent visual identity, followed by high fidelity designs and interactive prototypes for stakeholders to explore the proposed solution's functionality.

Step 01

Research & discovery

To develop a comprehensive understanding of user needs and expectations, I employed a mixed-method research approach. This helped me collect both qualitative and qualitative data to better understand the users needs and challenges. I conducted one-on-one interviews with potential users including individuals, small business owners and finance managers. These interviews allowed us to gain qualitative insights into their payment habits, pain points, and preferences.

Paybill image from

Step 02

Understanding the users

Through our research and discovery phase, we made several key observations and gathered valuable insights. Our interviews and surveys revealed a wide range of user payment habits.

Who are we targeting with this solution?

In order to support my thought process and to ensure that I don’t create a biased solution, I created a user persona which would serve as a guide for me to make better design decisions. My target was to visualize John's challenges and goals.

Step 03


During this phase, I concentrated on solving the specific issues Tanzanian people and businesses encounter. Supported by the research insights, I pinpointed the following essential features to assist businesses with their transactions and improve user experiences.

Information architecture

Using the insights from the research conducted and establishing the user persona, I designed the user flow for the website. The user flow prioritizes easy navigation to key features while maintaining the necessary verification checks.

Step 04

Visual brand identity & Hi-Fi Design

Brand identity

I established a set of brand guidelines to define the visual identity and personality of the app. This step was pivotal to ensure consistency and a strong brand presence throughout the user experience.

Mobile responsiveness for customers

Since the solution targets mobile money customers, I designed the customers interfaces to be mobile responsive. Users can easily view payments links and complete payments via their mobile devices.

next steps

Moving forward

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