Case study · Checkout experience · Live

Combined Payments

Letting users split one payment across wallet balance, card and pay-later.

Role: Design lead · set the interaction model
Screens: A product designer on my team
Year: 2026
Status: Live for all remittance users

[ A ]

Context

A small wallet balance used to block the payment.

At botim checkout, users pay for remittances, bills and other services. Many keep a small wallet balance.

When the balance did not cover the amount, they had to pick a single method and top up first, or leave.

[ B ]

The problem · When payment choices require guesswork

01
Hidden eligibility
Users could not see which supplementary payment methods were available until they selected a primary funding source. They had to explore valid combinations through trial and error.
02
Unpredictable behaviour
SNPL and Wallet could sometimes act as independent primary sources and sometimes be combined. The same toggle could produce different outcomes depending on funding coverage and eligibility.
03
Silent override risk
In some funding states, the proposed toggle model would automatically change an earlier selection to satisfy eligibility rules, without an explicit user decision.

[ C ]

Decision 1 · Make the rules visible, keep the user in control

01
Three funding slots
SNPL and Botim Wallet support eligible combined payments. A third slot remembers the user’s last standalone payment method.
02
Explicit remainder
When the selected source cannot cover the payment, the remaining amount and supplementary method are shown clearly and can be changed.
03
Reusable across services
Funding eligibility varies by product. Unsupported slots are hidden, while the interaction pattern stays consistent.

[ D ]

Decision 2 · Where pay-later asks its second question

Pay-later is the only method that needs a second decision: the instalment plan. We weighed three places to ask it.

Rejected

A Confirm button for every method

Adds a tap for everyone to fix a problem only pay-later has.

Rejected

Choose the plan later, on the checkout page

The cost of the plan is part of the decision, so it has to be visible when the user picks pay-later.

Chosen

Expand the plans inside the picker, close on selection

Keeps one tap to choose for every method. Pay-later’s extra decision stays where it belongs.

[ E ]

Edge cases · Partial coverage, unavailable methods, a missing card

01
Partial coverage
When a funding source covers only part of the payment, the remaining amount is shown explicitly with a changeable supplementary method.
02
Unavailable
The picker keeps the method visible and gives a reason: “Under maintenance”.
03
Required debit card
If a payment plan is selected without an eligible debit card, the plan highlights Add debit card and says “Please add a card to continue”, explaining that the card pays the monthly instalments automatically.

[ F ]

Results

The new checkout completes more payments.

In a randomized A/B test on remittance checkout, the redesign beat the previous checkout on both payment method selection and payment completion. It is now live for all remittance users.