Transbank Payment Link
Designing a payment link experience that allows small businesses to accept remote payments without needing a website.
Remote Payment for Small Merchants
Case Study
The Problem
Many small businesses in Chile wanted to accept digital payments but lacked the tools to do it easily. Most didn’t have e-commerce websites, and payment integrations were too complex. As a result, many sales still depended on in-person payments using POS terminals, making remote transactions difficult.
How might we enable small businesses to accept remote payments without requiring technical integration?
Remote Payment for Small Merchants
Case StudyThe Problem
Many small businesses in Chile wanted to accept digital payments but lacked the tools to do it easily. Most didn’t have e-commerce websites, and payment integrations were too complex. As a result, many sales still depended on in-person payments using POS terminals, making remote transactions difficult.
How might we enable small businesses to accept remote payments without requiring technical integration?
Research
We explored how small businesses sold without e-commerce infrastructure and found that many transactions were happening through messaging apps and social media.
Surveys with Transbank customers confirmed that these remote sales often occur outside traditional checkout flows.
Benchmarking solutions like Mercado Pago, Stripe, and PayPal revealed a growing shift toward simple, no-code payment link solutions.
Key Insights
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A portion of small business sales were completed through chat channels (e.g. WhatsApp, Instagram).
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Merchants struggled to collect payments remotely.
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Existing solutions were perceived as complex or time-consuming.
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The payment link experience is fast and requires no technical knowledge.
The Solution
We designed a payment link solution that can be easily contracted by merchants through the Transbank website, enabling them to accept remote payments without requiring a website or technical integration.
Merchants can create a link in seconds, share it through channels like WhatsApp or Instagram, and receive secure payments through a simple, mobile-friendly checkout.
The signup flow for the product acquisition
We ensured a seamless product acquisition experience by implementing a multi-step process that users can navigate in less than three minutes
Why It Works
The solution empowers small businesses to accept remote payments instantly, removing the need for a dedicated website or technical expertise. With a simple, shareable link, we lowered the barrier to entry for digital commerce.
The Impact
- 27% of Transbank’s small business clients reported a measurable increase in online sales.
- Rapid user growth shortly after release within the Chilean market.
- Reinforced consumer trust for tens of thousands of end-users by delivering a professional and secure digital payment experience.
