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Imagine this: you’re about to check out after filling your cart with goodies. You click “Pay Now” and the page freezes. Or worse, you’re redirected to a clunky form that looks like it time-traveled from 2005. What do you do? If you’re like most users, you bounce. And just like that, a sale is lost. It’s a reality that retailers, Financial Institutions, and schools all face every day.
Welcome to the world where UI/UX in payments can make or break your business.
As Samy Kogan, Vice President of Product Management for SWIVEL, explains:
“User experience is no longer a matter of let’s look at it. It’s critical. It’s a must-have.”
Modern consumers—Gen Z, Millennials, and soon Gen Alpha—expect intuitive, fast, and visually appealing payment experiences. If your platform doesn’t deliver, they’ll find one that does.
First, What Is UI/UX in Payments?
- UI (User Interface) is what your customer sees—the buttons, forms, colors, and layout.
- UX (User Experience) is how your customer feels using it—smooth, intuitive, frustrating, or confusing.
“Accessibility is very important for modern UIs. Everyone needs to have the ability to pay regardless of how they’re going to use it—mobile, desktop, black and white, anything.” Kogan explained.
Inclusive design isn’t just good ethics; it’s good business. It’s not just about looking good, it’s about building trust, reducing friction, and increasing conversions.
Why UI/UX Matters in the Payment Flow
Speed = Revenue
A slow or confusing checkout process is a conversion killer. Every extra second or click increases the chance of cart abandonment. A clean, fast, and intuitive UI keeps users moving forward.
“Nowadays, speed is everything,” says Kogan. The faster a user can complete a payment, the better the experience—and the higher the likelihood of conversion.
Trust Is Visual
Trust is visual. Would you enter your credit card info on a sketchy-looking page? Neither would your customers.
A polished, modern interface signals security and professionalism. And with over 60% of online payments happening on mobile, a mobile-first approach is non-negotiable.
Accessibility = Inclusivity
Digital Accessibility means inclusivity. A great user experience ensures everyone can complete a payment, regardless of ability. It’s not just the right thing to do—it’s smart business.
Where SWIVEL Comes In
At SWIVEL, we don’t just build payment solutions—we craft experiences.
“Every time we approach a new capability, we engage with a product designer to research how the market is experiencing that feature and what improvements we can make,” Kogan explains.
This process ensures that UI/UX enhancements aren’t arbitrary—they’re data-driven and user-focused.
Here’s how we financial institutions and schools win:
- Modular UI Components: Plug-and-play payment interfaces that look great and work even better.
- Customizable Flows: Tailor the experience to your brand without sacrificing performance.
- Built-In UX Best Practices: From error handling to micro-interactions, we bake in the details that delight.
- Analytics-Driven Optimization: Know where users drop off and fix it fast.
The Business Impact
A seamless payment experience can boost conversions by up to 35%. Lower support costs follow because fewer user errors mean fewer support tickets. Stronger brand loyalty emerges when customers associate your platform with ease and reliability.
“If the platform, if the UI does not have a modern user experience, people are simply not going to use it,” Kogan says.
That’s why SWIVEL invests in modular UI components, customizable flows, and analytics-driven optimization—so you can deliver experiences that convert.
Final Thoughts
In the world of digital payments, UI/UX isn’t a luxury; it’s a necessity. It’s the difference between a completed transaction and an abandoned cart, between a one-time visitor and a loyal customer. With SWIVEL, you’re not just accepting payments, you’re delivering experiences that convert.
We proudly serve financial institutions and also support schools through EFunds for Schools—because great payment experiences matter everywhere.
