Installment credit that works at checkout, in the app and in store.
A white-label BNPL product designed to make borrowing clearer before, during and after purchase.
My role
Senior Product Designer. Discovery, journeys, service blueprints, UI, prototyping, validation and delivery across digital and assisted-sales flows. In parallel, I lead internal adoption of AI-assisted Design workflows at Compass UOL.
The challenge
Credit should not feel like an opaque series of forms. People need to understand the offer, complete the agreement safely and know what happens next.
The blueprint connecting channels
Assisted-sale phases at the POS, in layers: what the customer sees, what the associate does, what the partner systems record and what the credit engine runs behind the scenes.
Layer
Phase 1Opening and data capture
Phase 2Simulation trigger
Phase 3Path and product
Phase 4Credit offer
Phase 5Application
Phase 6Voucher
Phase 7Till and payment
Physical evidence
Store counter and POS screen
Pre-approved badge on the associate screen
Shop floor and product screen
Payment options on screen
Identity validation screen
Voucher with a code on screen
Agreement PDF by email and receipt
Customer actions
Gives their ID number and what they are after
—
Picks the product and the purchase path
Decides between credit and other methods
Completes validation and accepts the terms
Receives credit confirmation
Pays at the till and gets receipt and agreement
Frontstage · associate
Opens the sale and captures the data in the system
Sees the pre-approval and plans the approach
Builds the offer together with the customer
Offers the credit line proactively
Guides validation and the agreement
Confirms the voucher and sends it to the till
Till redeems the voucher and hands over the receipt
Backstage · partner systems
Records the registration in the sales systems
Calls the credit engine
Builds the order
Shows credit as a payment method
Receives the application status
Links the voucher to the order
POS redeems the voucher and issues the receipt
Support · credit engine
Segments: already a credit product customer?
Soft simulation, with pre-approval reusable for seven days
Keeps the pre-approval valid
Prepares the offer with the product total
Validates identity and risk, and issues the agreement
Issues the voucher with amount, items and validity
Reconciles payment and activates the agreement, only once paid
Public version of the artefact. Partner names, vendors and technical dependencies have been generalised.
The agreement, step by step
Product screens show simulation, offer, details, terms, security and agreement states.
01Simulate
Check eligibility without starting an unnecessary registration.
02Offer
Explain limit, installments and conditions before asking for more data.
03Details
Collect only what is needed to move forward safely.
04Terms
Make conditions and formalization easy to follow.
05Security
Handle identity and biometrics as a natural part of the journey.
06Agreement
Confirm formalization and make the next step clear.
States and contingencies
The project also documents payment pending settlement, a fallback validation route and credit reusable for up to seven days.
01
Payment pending settlement
Installment boleto keeps the status explicit while the first payment settles.
02
A fallback validation route
When the main validation was unavailable, a secondary route let people finish on their phone and return to checkout, instead of dropping the whole application.
03
Credit remains available
When credit is approved but the purchase is not completed, it can be reused for up to seven days.
The journey continues after purchase
The app comes in after the agreement is effective, reusing data and giving direct access to bills, a second copy and follow-up.
01
Onboarding without starting over
An account is only created or linked after the agreement is effective, reusing what was already given during the purchase.
02
Follow-up in the app
Bills, a second copy and communications join the same experience instead of becoming another channel.
Assisted sales
The same infrastructure needed to work in store for a retail partner and a telecom partner, with a straightforward path for associate, customer and checkout.
01CPF
02Pre-eligibility
03Offer
04Signature
05Voucher
06POS
The three payment models
Each one covers a different moment of the purchase.
01
Pix with down payment
Part of the amount is paid instantly by Pix and the rest is financed on the approved credit.
02
Installment boleto
Instalments become boletos, for people who cannot or prefer not to use a card.
03
Installment Pix
The merchant is paid in full up front while the customer pays in instalments, with no boleto in between.
Scope of the work
The actual reach of what was designed, from digital checkout to the store till.
3payment models7 daysreusable creditdigital + storechannels coveredpost-purchaseonboarding and communication
I am looking for teams that treat design as part of product decisions, and companies that need to turn complex problems into better digital products, experiences or operations.
