JP Morgan Chase - White-labeled Checkout Solution
The Problem
JP Morgan Chase was struggling to keep up with competitors like Stripe, PayPal, and Shopify. They lacked a streamlined payment solution that businesses could easily integrate into their websites.
The challenge was clear: to develop a flexible, robust platform that served both basic users who needed a plug-and-play payment option and advanced users who required customizable experiences, all while handling the complexity of payment processing and data storage behind the scenes.
The Solution
Ideate, iterate, and build the missing solutions.
We created two key user experiences:
1. Hosted Pay Page: A white-labeled, light-weight payment solution that clients could link to, featuring their logo, colors, fonts, and button styles. After payment, users could either “Continue Shopping” or “Save Payment Info” for quicker future checkouts. This flow worked for both first-time and returning users.
2. Custom Integrated Checkout: For advanced clients, we offered a flexible option to embed the checkout directly into their website, with full control over branding and styling through CSS, all backed by JP Morgan’s secure payment infrastructure.
First-Time Users
For first-time users, the checkout flow captures essential details such as contact information, billing and shipping preferences, and their preferred payment method. After completing their purchase, users are given the option to save their payment information for a faster, streamlined checkout experience on future visits. Initially, Apple Pay was integrated for demos, but we later expanded to include PayPal and Google Pay, ensuring compatibility based on the mobile device in use.
Returning Users
For returning users who opted in, verification is streamlined through a text message with an access code. Once verified, their saved data is auto-populated, enabling a quick and seamless checkout experience—potentially with just one click.
Custom Integrated Checkout
Advanced users can opt for a fully integrated checkout solution with CSS customization, allowing the checkout to match their site’s branding perfectly. This ensures a seamless, cohesive user experience across the entire shopping journey, as demonstrated in the KingGear sporting goods store.
User Feedback and Versioning
Early user feedback has been overwhelmingly positive. Test users appreciated how the solution met their expectations for a smooth and intuitive mobile shopping experience. The streamlined checkout process, especially for returning customers, was a standout feature. Users loved the simplicity of saving payment information and how effortless it made future purchases.