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Spreadex Group

Payments Journey Redesign: Rebuilding deposit conversion across FPS, card and EBT

I owned end-to-end payments optimisation across FPS, card and EBT flows, leading both UX redesign and provider integration improvements across a wide cross-platform estate. The goal was simple: increase deposit conversion, improve first-time deposit success, and reduce friction across key payment journeys in a regulated environment.

The existing experience was cluttered, inconsistent across platforms, and weak from both a measurement and recovery perspective. I introduced clearer KPI tracking across the deposit funnel, then redesigned core payment journeys and recovery paths while refining integrations with providers including TrueLayer and Cybersource. This work increased visit-to-deposit conversion by 6% and first-time deposits by 3%.

Outcomes

Conversion uplift: visit-to-deposit conversion improved by 6%

New user monetisation: first-time deposits increased by 3%

Rail coverage: optimised 3 payment rails — FPS, card and EBT

Provider depth: improved integration quality across TrueLayer and Cybersource

Recovery resilience: redesigned retry and recovery flows to reduce payment abandonment

Cross-platform consistency: aligned payment UX, compliance messaging and design patterns across app, tablet and web

Payment Journey Redesign

Clearer flows for adding methods, better remembered payment selection, and a more guided first-deposit experience — all aimed at reducing friction and improving conversion.

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Recovery, Error Handling and Platform Alignment

Improved retry journeys, earlier and clearer error states, and better handling for provider downtime and insufficient funds — paired with unified compliance messaging and payment behaviour across app, tablet and web.

Recovery, Error Handling and Platform Alignment image 1
Recovery, Error Handling and Platform Alignment image 2

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