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CrediPay is a BNPL solution for B2B platforms that offers flexible payment options and helps boost working capital through receivables financing. For this project, I was involved in managing research, competitive analysis, and creating wireframes/prototypes for early-stage feedback sessions of the no-code solution. The aim was to go live with the MVP, provide a frictionless user experience to favor new order creation and maximize adoption and collect as much feedback as possible for refinement.

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“Sellers can  sell more  when not faced with the risks that giving credit to their clients carries”




Provide secure and risk-free receivables financing for pre-approved sellers in Brazil.


Craft a B2B BNPL experience with the characteristics of what B2C BNPL products offer today (easy & fast). 


Make financing more accessible to small businesses that would get denied credit/face high interest rates in traditional banking.


Make it easy for sellers without a lot of resources (no integration needed).


Not enough time or resources to do user testing beforehand, we needed to form assumptions after doing market research and benchmarking.


Foreign language and time constraints due to market focus and timezone.


Due to high numbers of fraud in Brazil, users are especially concerned about their safety and potential risks.


A platform for sellers to initiate the risk-free financing process by generating payment links for their orders, which also contains an overview of all financed orders/payment links and their status. 

Due to time and resource constraints, we couldn't conduct user interviews at this stage. Instead, we relied on  benchmarking and research  about processes in Brazil to inform our initial design, with plans to iterate based on upcoming feedback sessions and demo showcases to potential customers in Brazil.


  • Instant risk evaluation for eligibility is expected. Some providers take 24-hours.

  • Integration options: full API (checkout), low-code, and no-code (payment links).

  • Options include white label and branded solutions.

  • Common payment terms: net terms (30, 45, 60, 90 days) or multiple installments.

  • ID verification via email/WhatsApp at checkout.

  • Payment options vary: Credit/debit card, automatic payments, bank transfer (Boleto) or Pix (Brazil).

  • Reminders sent to buyers ±3 business days before due date.

  • Payment to seller post-shipment, with timing varying.

  • All providers offer a merchant portal; some a buyer portal.

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 Prevalent/interesting features 

Order creation (online/offline sales)

Payment link generation

Grouped payments

Trade credit insurance, integrated or standalone.


Best to go live with a no-code solution (less development effort).

Not all businesses will have infrastructure for complete integration.

Sellers dispatch invoices after delivering the goods (assumption).

Most common payment method in Brazil: Pix.

Sellers are interested in offering credit to their customers, but can't dedicate much time.

Communications in Brazil happen mostly through WhatsApp.

Users will expect immediate and faster processes (assumption).

We must include all order details to make it look official/not like fraud (assumption).

We must register their invoice again to change ownership by law in Brazil.

At first, our plan was to explore the  fully embedded solution  (checkout) to align with the industry standard. However, we needed to prioritise efficiency, so we decided  to  develop a no-code solution first  (payment links) offering net terms and then grow from there.



🟢 Seller

🔵 Buyer

⚫️ CrediPay


💰 Buyer


the entity buying goods/services from a seller.

📦 Seller


the entity selling goods/services to a buyer (some platforms can be one seller).

💸 CrediPay


BNPL provider.

💻 Platform


a forum on which sellers and buyers connect (e-commerce, marketplace...)

 First designs and iterations 

First approach

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After initial exploration of the order creation form, we concluded that dividing the platform into two separate dashboards (Payment Links & Orders) would enhance usability.

This setup provides a clear overview of payment link statuses, accepted orders, and a separate button for accessing the order creation form.


Users can also take action through their dashboard, see order details or upload their invoices for CrediPay to approve.


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CrediPay_Seller_order overview.png

First draft

CrediPay_Seller_New order.png
  • Introduced a stepper for better user experience.

  •  Modified the wording and how we showcased information through hierarchy for better usability.

  • Added elements like tooltips for extra information and kept only the shipping address.


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First draft

  • Removed 'Close' for clearer navigation and included the stepper.

  • Integrated payment link within an input field, with a 'Copy link' button.

  • Streamlined elements and text for simplicity (CTA's, titles...).




Usability sessions & demo showcases

After refinement , we developed prototypes for demonstration purposes and collected user feedback through  usability sessions  involving colleagues from various departments, as well as through  demo showcases  with potential clients.


6 people

(Colleagues from different areas)

- Credit & Capital

- Risk

- Legal

- (And ongoing feedback from devs)


3 potential clients

(Brazilian businesses)


In person & online


Shipping address on order form was redundant (info in invoice).

Order creation, shipping, and payment link dates are crucial for accountability.

Design with fraud concerns in mind, leveraging seller identity for buyer trust.

'Awaiting payout' tag mistakenly implied invoice approval, instead of ongoing review.

"We can spend 2 minutes filling the order form, but not 15" Simplified process.

Often times, invoices are altered because orders change within the first 24h.

Sellers prioritize sales over offering credit, though some manage internal credit systems.

It's mandatory in Brazil to show clients the operation fees (drawers).

Sometimes, sellers will have an invoice available before creating a payment link.

All interviewees asked about whether it was possible to autofill the form with the invoice.

Invoices can have different payment terms.

Buyers: simplify order overview (less long) and work on activation plan.

After collecting this feedback, we needed to prioritize tasks  based on effort and added value  to the user. Here's a list of things we needed to work on in order of priority:


  • Add fees information to drawers and a Cancel button.

  • Incorporate various payment terms into the flow.

  • Streamline payment link creation for faster processing (remove unnecesary info).

  • Revise messages and tags for better usability.

  • Display seller's logo on order overview for buyer assurance.

  • Provide autofill option for invoices received before creating payment links.

“You  shall never  design before doing user interviews.” – Confucius
(He never worked at a startup).


Payment link creation form

Introduced sections in pieces to guide seller in the process.



Show the buyer’s Available credit limit and Max. payment terms after check.


Company name field is blocked.

Order can be auto-filled with invoice information or manually.

Added payment terms selection to the process (step is hidden if invoice is uploaded to form cause info is retrieved).


Removed shipping details and order items for simplification.

Seller sends payment link

Automatic embedded message when pasting the payment link with due date information.

Incorporated the seller's logo into the buyer's order overview to enhance credibility and trustworthiness.


Simplified the buyer's order overview (no shipping details or order items)

Added a button to our Buyer's landing page for extra information.

Buyer accepts payment link

Users are redirected to 'Orders' dashboard when status is 'Accepted'.


Re-upload of invoice for comparison (sometimes orders change after 24h).

Incorporated 'Cancel' feature at steps before invoice 'Review'.


Changed tag from 'Awaiting payout' to 'In review' to indicate ongoing review.

​Terminology changes in
 drawers according to stage of the process (show estimate amounts before invoice review).


Included fees in drawer overview.


Reduced order fill-in time to < 1min.


Simplified form and order overview to reduce cognitive load and streamline the process.


Re-wrote copy on informational messages and statuses to improve usability.


Launched 3 pilots for clients to collect feedback.


Catered to different users with different needs (manual/auto-fill order).

 Moving forward , the focus should be in onboarding more clients and gather feedback for refinement on existing features + development of new features (such as a buyer portal, automatic payment link shares or displaying used limit credit).


Check CrediPay's website here. 

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