Razer Virtual Terminal (Fiuu Virtual Terminal)
Case study
Published on November, 2022 · 5 min read
I was given the opportunity to innovate and empower businesses to accept payments anytime, anywhere—without costly hardware. The mobile app supports Tap-on-Phone, QR codes, e-wallets, internet banking, and online payment links, providing SMEs with a flexible, cost-effective, and fully digitalized payment solution. Through intuitive design and seamless onboarding, the app simplifies payment acceptance, enhances transaction visibility, and enables merchants to focus on growing their business.
Overview
Razer Virtual Terminal, now known as Fiuu Virtual Terminal, transforms any smartphone into a versatile payment terminal for businesses. Merchants can accept payments via credit/debit cards, Apple Pay, e-wallets, QR codes, online payment links, and internet banking. This digital, cost-effective alternative eliminates deposits, rental fees, and maintenance costs, making payment acceptance accessible to SMEs and startups.
Role
UI/UX Designer – Responsible for designing a seamless mobile experience for onboarding and daily payment operations. Key responsibilities included:
- Conducting user research to understand pain points of traditional POS users
- Designing wireframes, prototypes, and high-fidelity interfaces
- Collaborating with product managers and developers on Tap-on-Phone, QR, and online payment flows
- Iterating designs based on user testing and analytics, optimizing usability and conversion
Problem
Merchants face challenges with traditional POS terminals:
- High upfront costs and recurring fees
- Limited flexibility for remote or contactless payments
- Complicated onboarding processes
The challenge was designing a mobile-first payment solution that is cost-effective, easy to use, and supports multiple payment methods while ensuring trust and security for both merchants and customers.
Solution
Razer Virtual Terminal addresses these challenges by offering:
- Payment Acceptance – Multiple options including Tap-on-Phone, e-wallets, QR codes, and online links
- Contactless Payments – Card payments directly via smartphone
- Online & Remote Payments – Create payment links for remote transactions
- Real-Time Updates – Immediate updates on payment statuses
- Cost-Effective & Digital – Eliminates hardware fees with instant digital onboarding
- User-Friendly Interface – Intuitive flows for quick adoption
Process
1. Empathize
Immersed in daily operations of small business owners and street vendors. Interviews and contextual inquiries revealed pain points around hardware costs, delayed settlements, and complex setups. Insights informed user personas and core needs: mobile-first, cost-effective, and intuitive.
2. Research
Competitive analysis of mobile payment apps and POS systems. Mapping merchant journeys highlighted pain points in onboarding, payment acceptance, and reconciliation. Insights guided feature prioritization and interaction design principles.
3. Ideation
Collaborative workshops explored tap-on-phone, multi-payment dashboards, online payment links, and real-time notifications. Wireframes and storyboards aligned the team around clear user-centered flows while maintaining simplicity and scalability.
4. Develop
High-fidelity Figma prototypes for onboarding, transaction acceptance, QR/card payments, and payment tracking. Iterations minimized cognitive load, enhanced perceived security, and ensured reliability. All decisions guided by merchant needs and business goals.
5. Testing
Moderated and unmoderated usability tests with real merchants validated workflows and interactions. Feedback emphasized confirmation prompts, real-time transaction feedback, and simplified navigation. Iterative refinements increased visibility, reduced onboarding friction, and ensured a seamless experience.
Outcome
- Rapid Merchant Onboarding: Average activation time under 10 minutes
- Increased Payment Adoption: Multi-payment support improved transaction completion rates
- Cost Savings: Avoided hardware rental and maintenance fees, increasing SME adoption
- User Satisfaction: Intuitive interface and seamless onboarding received positive feedback
Key Features Designed
- Tap-on-Phone card payments
- QR code acceptance
- E-wallet and Apple Pay integration
- Online payment link creation
- Real-time payment tracking and notifications
- Digitalized onboarding with instant activation