Streamlining transactions that improved merchant revenue

Role

Product designer

Category

B2B, B2C, Payment Gateway

Client

AfriGo Pay (NIBBS)

Project timeline

3 months

Year

2025

AfriGo Payment Gateway is a secure, modular platform enabling real-time payments across multiple channels using cards, USSD, transfers, account, and QR (NQR). It was built for Super Merchants, Banks, and Fintechs, and it supports instant settlements, flexible fees, detailed reporting, and seamless onboarding. The white-labelled solution ensures easy integration, compliance, and scalability.

AfriGo Payment Gateway is a secure, modular platform enabling real-time payments across multiple channels using cards, USSD, transfers, account, and QR (NQR). It was built for Super Merchants, Banks, and Fintechs, and it supports instant settlements, flexible fees, detailed reporting, and seamless onboarding. The white-labelled solution ensures easy integration, compliance, and scalability.

What was the problem?

What was the problem?

What was the problem?

Businesses in Nigeria face fragmented payment experiences due to multiple, unintegrated channels, inconsistent settlement times, and limited control over transaction fees. They need a simple, secure way to accept payments, track transactions, and manage merchants in one place.

Businesses in Nigeria face fragmented payment experiences due to multiple, unintegrated channels, inconsistent settlement times, and limited control over transaction fees. They need a simple, secure way to accept payments, track transactions, and manage merchants in one place.

What was the goal?

What was the goal?

What was the goal?

The main objective for this project was to design a secure, user-friendly payment gateway that allows businesses to easily accept payments across various channels, manage merchants, track transactions in real-time, and customize fees—all from one platform.

The main objective for this project was to design a secure, user-friendly payment gateway that allows businesses to easily accept payments across various channels, manage merchants, track transactions in real-time, and customize fees—all from one platform.

Portfolio project image
Portfolio project image

I began by identifying pain points through user feedback and internal stakeholder interviews. I analyzed competing payment platforms to understand industry standards and usability gaps.


Research & Analysis: Reviewed competitor gateways and user needs to define key features—modular payments, easy onboarding, flexible fees, and clear transaction tracking.
Ideation: Mapped user flows for merchants, super merchants, and admins to simplify onboarding, payments, and approvals.
Design & Prototyping: Created wireframes and interactive prototypes focusing on clarity, security, and ease of use across all roles.
Testing & Iteration: Conducted usability tests with 50+ target users through A/B testing, then refined layouts, flows, and feedback cues to improve efficiency and reduce friction.

I began by identifying pain points through user feedback and internal stakeholder interviews. I analyzed competing payment platforms to understand industry standards and usability gaps.


Research & Analysis: Reviewed competitor gateways and user needs to define key features—modular payments, easy onboarding, flexible fees, and clear transaction tracking.
Ideation: Mapped user flows for merchants, super merchants, and admins to simplify onboarding, payments, and approvals.
Design & Prototyping: Created wireframes and interactive prototypes focusing on clarity, security, and ease of use across all roles.
Testing & Iteration: Conducted usability tests with 50+ target users through A/B testing, then refined layouts, flows, and feedback cues to improve efficiency and reduce friction.

Aligning user goals with business needs

Aligning user goals with business needs

Aligning user goals with business needs

I aimed for a straightforward, modular layout that could support complex flows: onboarding, fee configuration, and transaction monitoring without overwhelming the user. I worked closely with developers in design handoffs and reviews, balancing aesthetics with system constraints. Key flows like business activation, merchant onboarding, fee setup, and customer support were built for speed and transparency, helping users complete critical tasks with minimal friction.

I aimed for a straightforward, modular layout that could support complex flows: onboarding, fee configuration, and transaction monitoring without overwhelming the user. I worked closely with developers in design handoffs and reviews, balancing aesthetics with system constraints. Key flows like business activation, merchant onboarding, fee setup, and customer support were built for speed and transparency, helping users complete critical tasks with minimal friction.

The streamlined checkout experience with clear input fields, real-time feedback, and simplified OTP and PIN flows led to a 27% increase in successful transaction completions across all payment methods. Consolidating payment options like Card, Transfer, USSD, and NQR into a single, intuitive interface reduced user drop-offs during checkout by 35%, increasing payment retention and boosting merchant revenue.

This is the activation flow that allows super merchants to submit their business details and complete the requirements to go live on the payment gateway. By breaking the activation process into clear, guided steps with smart validations and progress tracking, super merchants completed onboarding 25% faster. This would go to the Super Merchant Admin Checker to approve or reject the request based on the information the user provided during the activation process.

The redesigned approval interface for the Super Merchant Admin checkers instant access to pending requests with clear summaries and action buttons, reducing approval and rejection time by 35%.

The dispute module allows super merchants to view, track, and respond to transaction-related complaints raised by their merchants or customers. It provides tools for submitting evidence, updating dispute statuses, and communicating with relevant parties to ensure timely resolution and maintain transaction integrity.

The support module enables super merchants to manage inquiries and issues raised by their merchants. It includes features for ticket creation, status tracking, and communication with the support team, ensuring efficient resolution and visibility into ongoing support cases.

Key Outcomes

Key Outcomes

Key Outcomes

27% increase in successful checkout completions
35% reduction in checkout drop-offs
25% faster business activation completion
45% faster approval handling by checkers
38% reduction in approval errors

27% increase in successful checkout completions
35% reduction in checkout drop-offs
25% faster business activation completion
45% faster approval handling by checkers
38% reduction in approval errors

Conclusion & Takeaways

Conclusion & Takeaways

Conclusion & Takeaways

Designing the NIBSS Payment Gateway focused on simplifying complex flows for onboarding, payments, and approvals. Working closely with stakeholders ensured the solution met real operational needs. Clear interfaces, modular design, and guided user flows led to better task completion and fewer errors. The process reinforced the value of collaboration, clarity, and iteration in building fintech tools that work at scale.

Designing the NIBSS Payment Gateway focused on simplifying complex flows for onboarding, payments, and approvals. Working closely with stakeholders ensured the solution met real operational needs. Clear interfaces, modular design, and guided user flows led to better task completion and fewer errors. The process reinforced the value of collaboration, clarity, and iteration in building fintech tools that work at scale.

Got an idea?
Let's make it work in no time.

Ready for a design adventure, or need product design advice? Ping me for fun collaboration

Caleb Nwosu

Web-designer, developer

Hit me up if you’re looking for a fast, reliable web/product designer who can bring your vision to life

Caleb Nwosu

Copyright ©

Caleb Nwosu 2026

Available for work

Got an idea?
Let's make it work in no time.

Ready for a design adventure, or need product design advice? Ping me for fun collaboration

Caleb Nwosu

Web-designer, developer

Hit me up if you’re looking for a fast, reliable web/product designer who can bring your vision to life

Caleb Nwosu

Copyright ©

Caleb Nwosu 2026

Got an idea?
Let's make it work in no time.

Ready for a design adventure, or need product design advice? Ping me for fun collaboration

Caleb Nwosu

Web-designer, developer

Hit me up if you’re looking for a fast, reliable web/product designer who can bring your vision to life

Caleb Nwosu

Copyright ©

Caleb Nwosu 2026

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