MP POS Case Study

Role

Research

Information Architecture

UI/UX Design

Design System

Platform

Web

BACKGROUND

Paygate provides an all-in-one payments, banking and operations platform for cross-border payment.


Paygate is a cross-border financial platform that enables individuals and businesses to send, receive, hold, and convert money across africa countries with ease. As a product designer on this project, my goal was to design a seamless user experience that empowers africa users to manage multi-currency transactions without complexity.

WHAT WE WANTED TO SOLVE

Building a Cross-Border Payment Platform


Paygate was created to tackle a major issue: Africans couldn't send, receive, or hold foreign currencies easily—and the local currency systems were not designed for global transactions.

Cross-Border Frustration in Africa Africans struggled to pay international vendors, receive money from abroad, or convert local currencies like NGN, GHS, KES, and ZAR to USD or GBP without high fees, delays, or restrictions.

MP POS Case Study
18-65
Age range
Nigeria
Geography
68%
At least high school graduates
20
No. of Participants

WHAT WE DID

Understanding the needs of businesses


Paygate set out to simplify global payments for Africans—especially those dealing with currencies like NGN, KES, GHS, and ZAR. We designed a platform where users could hold, convert, and send African and international currencies from one wallet, without the usual complexity.

  • • Faster onboarding.
  • • Better transparency on fees and rates.
  • • A more trusted and scalable product for cross-border finance.
  • • Multi-currency wallets with clear currency labels.

Looking at the competition

Before finalizing the user experience for Paygate, we analyzed key competitors like Chipper Cash, PayDay, Geegpay, and Eversend. Since most of the agents we onboarded had used multiple providers before, it was crucial to understand what those competitors offered. This research helped validate our early design assumptions and guided us in creating a product experience that not only matched expectations—but exceeded them.

Product User experience Security Transactions Pricing & Downtime
Chipper Cash Smooth UI
limited currency control
very P2P-centric		 Trusted brand
basic fraud control		 P2P-focused; supports local transfers; weak FX flexibility Generally reliable
minor lags on transfers Mostly free local transfers
limited transparency on FX for global transfers.
Payday Sleek UI
bold but inconsistent UX at scale		 Security in place
frequent card issues reported		 Multi-currency supported
global cards
issues during peak times		 API disruptions and card processing errors reported Free account
$1–$3 virtual card fees; 1–2% FX markup
some hidden charges
Geegpay Functional, clean UI
freelancer-focused		 KYC-secure
lacks layered fraud checks		 Offers USD, GBP wallets
limited outbound currency options		 Slows down during verification or high usage
$1 virtual card fee; limited FX rates
some delays in payment confirmation
Eversend Super app UI
can feel bloated		 Licensed in EU
end-to-end encryption		 Currency conversion, bill payments, virtual cards Minor app lags
fair stability
Dynamic fees FX markup (~2.5%)
card maintenance charges may apply

✅ Why Paygate Stands Out

  • • User Experience: Built for real African use cases—not just remittances
  • • Security: Regulated and stable, especially around high-value or business transactions
  • • Transactions: Real-time, reliable multi-currency support with less failure
  • • Pricing: Clear, predictable fees with competitive FX rates and no hidden charges
MP POS Case Study MP POS Case Study MP POS Case Study MP POS Case Study

Key takeaways

Designing Paygate taught me that building fintech for Africa isn’t just about features—it’s about context, clarity, and consistency. From handling multi-currency wallets (NGN, GHS, ZAR, UGH) to simplifying onboarding and learning from competitors, every decision had to earn user trust. In the end, good design became more than UI, it became a growth strategy.