Kroger Pay

Written By Honjae Lee

Streamlining Checkout to boost speed, trust, and loyalty

Role: Product Designer
Employer: Kroger
Platforms: iOS & Android
Areas: Research & Design

⚠️ The Challenge

Manual card entry and separate loyalty scans made checkout slow and clunky.

Customers wanted faster, more secure mobile payments—especially as Walmart and Target pushed their own systems.

🔍 Key Insights

  • 60% wanted faster checkout

  • 40% open to mobile pay if secure

  • Competitor analysis led to QR scan concept

✅ The Solution

A QR-based checkout flow embedded in the Kroger app:

  • One scan = pay + apply rewards

  • Secure, seamless, and familiar

  • Users manage cards and billing in-app

Kroger Pay Entry Point

Kroger Pay QR Code

Users can manage their payment methods within Kroger Pay by adding a new card or editing an existing one.

 

Editing Billing Address

Users could also manage their Billing Address within Kroger Pay as well.

📈 Impact

  • 🕒 30% faster checkout times

  • 💳 Increased Kroger Pay usage

  • 🔁 Higher loyalty + retention

🧠 What Made It Work

  • Addressed pain points with one simple scan

  • Built trust by keeping everything inside the Kroger ecosystem

  • Gave users speed and rewards in one action

Honjae Lee

https://honjae.me
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