Task context
In E-commerce, the speed of checkout is critical.
Any extra step, especially manual entry of long card numbers, is friction that reduces conversion.
What was wrong
Users manually entered 16 digits of the number, the date, and the CVV code.
A high percentage of input errors required going back and correcting them.
On mobile devices, users expect seamless payments in 1-2 taps, not filling out forms.
The standard card verification through a full transaction incurred additional costs for the business.
Goal
Simplify and speed up the card binding process, increase payment conversion, and reduce
operational costs for acquiring.Implement card scanning via camera on both platforms (iOS/Android).
Implement card addition via NFC for Android.
Design an interface for a non-trivial card verification scheme through micro-debit (from 10 to 20 โฝ)
and enter the exact amount.Take into account the differences in user expectations and technical capabilities of iOS and Android.
Persona
Gender:
female
Age:
25โ40 years old
Education:
average
Family:
husband, children
Work:
housewife
Sense of humor
Sociability
Openness to new experiences
Gadgets
Applications
Online shopping
Social networks
82 %
18 %
Why choose Wildberries:
low prices
wide selection
reviews
availability of pickup points
Input method selection
At the first step, the user sees the familiar card input form, but with the option not to fill it in manually,
but to scan or tap the card.
Camera (iOS and Android)
When you click on the scanner icon, a custom camera interface with a clear mask for the card opens. The system automatically reads the card number and expiration date, after which it returns the user to the form โ only the CVV needs to be entered.
NFC (Android)
For Android users, the "tap the card to the back cover" script is available.
This is the fastest addition, available only on this platform.
Card verification
We used a scheme that allows verifying a card without the cost of a full bank transaction:
the system temporarily charges a random amount (up to 20 โฝ), the user checks it in their bank
and enters it in the app. The money is returned immediately.
How it was made clear
On the "Link card" screen, a chat-style onboarding experience was added
On the amount entry screen, context was added ("Purchase of XX,XX rub...") so that the user
does not confuse the test charge with the SMS code.If an error occurs, the scenario repeats without losing context.
Results and metrics
Speed
Card binding time was reduced from ~45 seconds (manual entry) to ~10 seconds when scanning
and to 3-5 seconds when using NFC.
Conversion
Conversion into successful card binding at the checkout stage increased by 13.2%
(exact figures are under NDA, but the growth is significant).
Errors
The number of errors when entering details in scanning scenarios has dropped
practically to zero.
Costs
The micro-authorization scheme eliminated the need for full transactions during verification, reducing operating expenses on acquiring bank fees.