Checkout with 2 payment methods
With the goal to decrease 10% transaction decline rate at checkout, and drive conversion rate for high average selling price items.
😎 Solo product designer
🎨 Feb 2022 - May 2022
🚀 Launched in November 2022
Why split payment is important for eBay?
When buyers check out for an expensive order 💰💰💰,
we see a large proportion of card transactions are being declined.
For eBay buyers
Fails to make purchase to buy expensive item.
For business
Failed transactions negatively affect conversion rate.
So, to provide a more flexible way to checkout
When buyers check out for expensive order(💰>$1000), eBay allows split payment with 2 cards.
Efficiency
Setting up split payment as quickly as possible.
Design principles
We do math for you
Easy-to-use autofill calculation to minimize the effort.
Contextualized guidance
Handholding process especially in unhappy path
Efficiency
Setting up split payment as quickly as possible.
We do math for you
Easy-to-use autofill calculation to minimize the effort.
Contextualized guidance
Handholding process especially in unhappy path
Design highlights
Let’s start with unhappy path when buyer has 0 card saved at eBay
Promote split payment feature in context
Contextualized affordance to gauge buyers’ interest for new feature split payment.
Guided flow to add 2 cards
Handholding guided flow to guide buyer to complete adding 2 cards in order to be eligible for split payment.
Allocate money in split payment mode
Input amount for one card, we will auto-fill the rest amount to the other selected card. No math required!
Clear indicator to show whether you are all set.
Review and confirm
Review updated 2 selected cards with their amount on checkout page, before confirming and pay.
How does split payment work with spendable funds?
Spendable funds was the new feature launched right before I joined eBay. It allows buyer to use spendable funds and 1 payment method to complete the purchase.
It should be included as a use case under split payment
There 2 buyer intents when splitting with Spendable funds + 1 card
Design a experience that accommodates both user intents
Impact & launch results
Weekly ~$4.3M GMV goes through Split Payments.
11% of split payment usage is by buyers that previously had a decline at checkout when buying a high selling price item.
High stickiness
~40% of split payment buyers reuse split payments for future purchases.
User requesting lower thresholds
~70% of SEEK survey respondents are requesting a lower threshold for the use of split payments below $500.
***Data collected as of May 2022, team was continue collecting more data to inform future iterations.