What I Did
What I Did
Discovery
Design Research
User Journey, Information Architecture
Wireframing, Visual Design and Prototyping
Platform
Platform
Mobile
Year
Year
2021
Industry
Industry
Financial Service
B2B
Merchant Payment
Product Overview
Product Overview
Cowry Merchant Pay enables merchants and vendors to easily manage inventory and accept payments directly from their mobile devices. It is designed to help them receive and record payments through the Cowry Merchant App while seamlessly tracking and managing their inventory
Cowry Merchant Pay enables merchants and vendors to easily manage inventory and accept payments directly from their mobile devices. It is designed to help them receive and record payments through the Cowry Merchant App while seamlessly tracking and managing their inventory
Understanding the Challenge
Understanding the Challenge
Most vendors preferred using their own mobile devices to accept payments instead of investing in expensive POS machines. However, they lacked an efficient way to track inventory, manage products, and monitor cash flow in real time. This often led to manual errors, poor record-keeping, and a lack of transparency in store management.
Most vendors preferred using their own mobile devices to accept payments instead of investing in expensive POS machines. However, they lacked an efficient way to track inventory, manage products, and monitor cash flow in real time. This often led to manual errors, poor record-keeping, and a lack of transparency in store management.
The Solution
The Solution
Cowry Merchant Pay was designed to address these pain points by providing merchants with a mobile-first platform to seamlessly accept and record payments, manage inventory, and monitor cash inflows from anywhere. By digitizing their operations on a single mobile app, vendors could build trust with customers, gain visibility into store performance, and ensure transparent and efficient store management without the need for costly hardware.
Cowry Merchant Pay was designed to address these pain points by providing merchants with a mobile-first platform to seamlessly accept and record payments, manage inventory, and monitor cash inflows from anywhere. By digitizing their operations on a single mobile app, vendors could build trust with customers, gain visibility into store performance, and ensure transparent and efficient store management without the need for costly hardware.
The Goal
The Goal
Enable merchants to easily accept payments via QR, bank transfer, cash, and recorded POS transactions, while seamlessly managing sales, tracking inventory, and monitoring all transactions in one mobile platform.
Enable merchants to easily accept payments via QR, bank transfer, cash, and recorded POS transactions, while seamlessly managing sales, tracking inventory, and monitoring all transactions in one mobile platform.


Research
Research
We conducted both primary and secondary research in other to better understand the set of users we were designing for and what they seeked to achieve using our product. Based of this research we were able to understand the type of users we were designing for and what their needs were this users range from business owners such as restaurants, pharmacy, market women, provision shops etc.
We conducted both primary and secondary research in other to better understand the set of users we were designing for and what they seeked to achieve using our product. Based of this research we were able to understand the type of users we were designing for and what their needs were this users range from business owners such as restaurants, pharmacy, market women, provision shops etc.
Key Insights From Research
Key Insights From Research
High upfront cost of POS machines discouraged many small vendors from adopting digital payment solutions. Vendors preferred mobile-based solutions because they already owned smartphones and found them easier to use and maintain.
Lack of visibility into inventory and cash flow led to errors, losses, and mistrust in store operations. Vendors desired real-time tracking and transparency to build trust with their staff and customers and to make informed business decisions.
High upfront cost of POS machines discouraged many small vendors from adopting digital payment solutions. Vendors preferred mobile-based solutions because they already owned smartphones and found them easier to use and maintain.
Lack of visibility into inventory and cash flow led to errors, losses, and mistrust in store operations. Vendors desired real-time tracking and transparency to build trust with their staff and customers and to make informed business decisions.
How Cowry Merchant Pay Works
How Cowry Merchant Pay Works
Onboard Merchants
Onboard Merchants
Users are onboarded through the admin portal and provided with a username and password, which they can use to log in to the app. Once logged in, they can access their dashboard, where they can manage their inventory and accept payment
Users are onboarded through the admin portal and provided with a username and password, which they can use to log in to the app. Once logged in, they can access their dashboard, where they can manage their inventory and accept payment
Order Process
Order Process
Merchants can browse and select products from their inventory list, proceed to checkout, and accept payments seamlessly through multiple options, including Cowry QR code, bank transfer, or cash, ensuring a smooth and flexible transaction process.
Merchants can browse and select products from their inventory list, proceed to checkout, and accept payments seamlessly through multiple options, including Cowry QR code, bank transfer, or cash, ensuring a smooth and flexible transaction process.
Transaction Log
Transaction Log
The transaction log provides a detailed record of all products purchased, including payment information, enabling merchants to track sales, monitor payments received, and maintain a clear overview of their business activities.
The transaction log provides a detailed record of all products purchased, including payment information, enabling merchants to track sales, monitor payments received, and maintain a clear overview of their business activities.
Report
Report
The reports feature provides merchants with a comprehensive overview of their business performance, including total earnings, number of transactions, overall sales, and inventory status showing both in-stock and out-of-stock items.
The reports feature provides merchants with a comprehensive overview of their business performance, including total earnings, number of transactions, overall sales, and inventory status showing both in-stock and out-of-stock items.
Other Screens
Other Screens




Let’s make it happen
Contact me today!
Let’s make it happen
Contact me today!
VICTORIA AGBAMORO
VICTORIA AGBAMORO
What I Did
Discovery
Design Research
User Journey, Information Architecture
Wireframing, Visual Design and Prototyping
Platform
Mobile
Year
2021
Industry
Financial Service
B2B
Merchant Payment
Product Overview
Cowry Merchant Pay enables merchants and vendors to easily manage inventory and accept payments directly from their mobile devices. It is designed to help them receive and record payments through the Cowry Merchant App while seamlessly tracking and managing their inventory
Understanding the Challenge
Most vendors preferred using their own mobile devices to accept payments instead of investing in expensive POS machines. However, they lacked an efficient way to track inventory, manage products, and monitor cash flow in real time. This often led to manual errors, poor record-keeping, and a lack of transparency in store management.
The Solution
Cowry Merchant Pay was designed to address these pain points by providing merchants with a mobile-first platform to seamlessly accept and record payments, manage inventory, and monitor cash inflows from anywhere. By digitizing their operations on a single mobile app, vendors could build trust with customers, gain visibility into store performance, and ensure transparent and efficient store management without the need for costly hardware.
The Goal
Enable merchants to easily accept payments via QR, bank transfer, cash, and recorded POS transactions, while seamlessly managing sales, tracking inventory, and monitoring all transactions in one mobile platform.

Research
We conducted both primary and secondary research in other to better understand the set of users we were designing for and what they seeked to achieve using our product. Based of this research we were able to understand the type of users we were designing for and what their needs were this users range from business owners such as restaurants, pharmacy, market women, provision shops etc.
Key Insights From Research
High upfront cost of POS machines discouraged many small vendors from adopting digital payment solutions. Vendors preferred mobile-based solutions because they already owned smartphones and found them easier to use and maintain.
Lack of visibility into inventory and cash flow led to errors, losses, and mistrust in store operations. Vendors desired real-time tracking and transparency to build trust with their staff and customers and to make informed business decisions.
How Cowry Merchant Pay Works
Onboard Merchants
Users are onboarded through the admin portal and provided with a username and password, which they can use to log in to the app. Once logged in, they can access their dashboard, where they can manage their inventory and accept payment
Order Process
Merchants can browse and select products from their inventory list, proceed to checkout, and accept payments seamlessly through multiple options, including Cowry QR code, bank transfer, or cash, ensuring a smooth and flexible transaction process.
Transaction Log
The transaction log provides a detailed record of all products purchased, including payment information, enabling merchants to track sales, monitor payments received, and maintain a clear overview of their business activities.
Report
The reports feature provides merchants with a comprehensive overview of their business performance, including total earnings, number of transactions, overall sales, and inventory status showing both in-stock and out-of-stock items.
Other Screens


Let’s make it happen
Contact me today!
Let’s make it happen
Contact me today!
VICTORIA AGBAMORO
