Quick Pay

Chexy built more user controls over account withdrawals, so members could identify, schedule, cap, or block a pre-authorized debit themselves. Self-serve resolution more than doubled, from 17% to 39%.

Team
Role
Christine Ung
Product Designer
Daniel Zhang
Staff Payments Engineer
Oscar Cuevas
Customer Support
Timeline
3 weeks

A biller can pull a pre-authorized debit for any amount, on any day. Chexy brings more controls to the user.

Quick pay

Identify the request

Added safety and control over your dedicated bill account. Of the members who open Quick Pay, 68% pay or schedule.

1
Category restrictions
American Express limits specific categories (e.g. daycare).
2
Automatic mapping
Detect matches to existing payments or recipients.
3
Quick pay
Reducing actions and choice (compared to full checkout).
4
Allow
Confirm a request and easily set it up as recurring (more predictable float for Chexy).
5
Schedule
Value-add of additional cash flow and overdraft protection out of a dedicated bill account.
6
Reject
Block every subsequent payment.

Auto-charge limits

Members cap how much an incoming withdrawal can automatically charge.

1
Payee level controls
Individual controls for credit card limits or phone bills.
2
Approvals above the limit
Automatically refund the difference.
Manage recipient

Automatic resolution

Communicating automatic resolution within user-allowed limits.

1
Omnichannel
Notifications across push, email, and in-app.
2
Transparency
No action required, but trust requires being communicative about money movement.

What if they don’t pay back what we covered?

Clearly communicating caution through push, email and in-app.

1
Ahead of the date
The first push comes before the payback is due, not after it’s missed.
2
If it’s missed
The payment is returned. The bill is unpaid again, and owed to the biller directly.

Bill Cover

Overdraft protected and presenting the value prop of more cashflow.

Wallet and the Bill Cover pitch
1
Marketable value prop
Collaboration with go-to-market.
2
First version
Validated if people would load their wallet towards a specific bill to pay.

Laying down the infrastructure that enables freely distributing PAD details

Self-serve more than doubled. Now that we have robust systems, Chexy can grow its stickiest rail.

  • 4.4hMedian time to resolutionFixed in the app by members, down from 24.6 hours waiting on support
  • 39%Self-serve resolutionWithdrawal issues members resolved without support, up from 17%
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