The goal of this project was to offer businesses that use Januar’s financial platform a way to have multiple users “agree on” an outgoing payment.
Result of this project was a security feature named “Payment approval” which allows for a payment to be initiated by one person, and approved by another person in the same company. It was a driving factor of Januar’s onboarding of their biggest client to date.
As a UX Architect, I led the design specific process from ideation to delivery, collaborating with a UI designer and a team of developers, as well as the Product team.
Reasons a company wants multiple employees to check an outgoing payment:
Human error - sending money is often a manual process where an error can result in loss of funds
External threats - in the case of a bad actor accessing the company account, they can’t initiate a payment by themselves
Internal threats - it prevents a single employee to send out money without authorisation
Compliance is an additional reason why a company would require payments to be seen by multiple people.
Then, we had multiple collaborative meetings to define the scope and the “rules” of payment approval.
For most questions, we agreed on a simple approach that could be expanded in next versions of the feature. On the other hand, some questions left us uncertain, and we decided to make a prototype and get feedback from customers on how to approach them, as they directly impact functionality of the feature.
User flows for initiating and approving a single payment
Introducing payment approval also meant changes to payment states, as “pending for approval” state was not taken into account in previous features. This affected types of payment details (receipts), as well as the current backend solution change.
I mapped out all the different payment details that will be possible after launching this feature and worked with development team to align on what each payment state means in our systems. As a result, states in Januar API (that was being developed at the time) were also defined differently, resulting in a simpler solution that could be easily scaled.
Mapping out different types of payment details (receipts) in the platform
Payment approval tab wireframe and mockup
Pending payment details wireframe and mockup
Mockup - pending payments with multiple payments selected
Mockup - pending payments
Insight: It’s unclear the payment is being sent for approval instead of processed
Insight: users not sure if the money left their account when they reject a payment.
For added clarity, we changed copy on rejected payments tab so this
information is always accessible (prior only visible after rejecting a payment)
Insight: Users commonly go to Accounts tab to see their approved payments
Added a link to Accounts tab in Approved payments for easier access
To align on changes made and make sure the solution is feasible, I lead another feedback session with the Tech and Product team. There we identified some edge cases and possible errors that need to be accounted for, and agreed to do that during development time.
No roadblocks, feature on the way!