Jan'25 - Feb'25
Payment
Ecosystem
Payment
Ecosystem
As Bingo Champions scaled in the US market, building a payments infrastructure that could support user growth, reduce friction, and ensure operational resilience became mission-critical
B2C
UX Design
Case Study
your design partner
your design partner
Overview
Achieving 85% Transaction Success Rate: Designing a seamless multi-partner digital payments network for Bingo Champions (USA).
What is Bingo Champions?
Bingo Champions offers a slick and engaging mobile bingo gaming experience designed for players who love the thrill of real-money games. It combines the classic excitement of bingo with a modern, fast-paced interface, allowing users to seamlessly jump into matches anytime. With super-fast deposits and hassle-free withdrawals, players can focus on the game rather than the logistics.
The platform also rewards loyalty and engagement—users can earn free bonus cash daily through features like “Spin the Wheel” and “Daily Streak Rewards”. Additionally, Bingo Champions makes it easy to boost your balance by referring friends, offering generous incentives for every successful referral. Currently available exclusively in the US market, Bingo Champions delivers a rewarding and dynamic bingo experience tailored for real-money play, with a strong focus on convenience, fun, and fair competition.
Problem Statement
The Risks of Single-Threaded Payments: Scaling Stalled by Limited Infrastructure
As Bingo Champions began to scale rapidly in the competitive US Real Money Gaming market, its dependency on a single payment partner exposed critical weaknesses in its operational backbone. What initially seemed like a lean and efficient setup soon turned into a bottleneck - impacting user experience, platform reliability, and ultimately, business growth. Below are the key challenges that highlighted the urgent need for a more resilient and diversified payments ecosystem:
Research & Insights
Research & Insights
Users Prioritise instant deposits, quick & hassle-free withdrawals, & secure transactions with minimal verification steps
To build a more user-centric payment experience, we surveyed Real Money Gaming (RMG) users across the US to understand their payment needs and behaviours. The findings revealed that users prioritise instant deposits, quick and hassle-free withdrawals, and secure transactions with minimal verification steps. These insights were critical in shaping our payment strategy, particularly around expanding support for the most preferred payment options among our user base.
Solution Overview
Solution Overview
Future-Proofing Payments: A Scalable, User-First Ecosystem for RMG
As Bingo Champions scaled in the US market, building a payments infrastructure that could support user growth, reduce friction, and ensure operational resilience became mission-critical. We focused on creating a system that was not only fast and secure but also flexible enough to withstand regulatory shifts and partner issues. Our redesigned ecosystem was anchored around five strategic pillars that balance user expectations with long-term platform reliability:
Compliance & Legal Requirements
Compliance & Legal Requirements
Trust Through Verification: Building a Secure & Compliant Ecosystem
In the Real Money Gaming space, ensuring legal compliance isn’t optional it’s foundational. To operate safely and sustainably in the US, Bingo Champions implemented a robust, multi-layered AML (Anti-Money Laundering) verification flow. This system not only safeguards the platform from fraudulent or sanctioned users but also reinforces player trust and regulatory credibility. Here's how our one-time AML verification process works:
Verification Level 1
Verification Level 1
Basic Identity Check with Ideology
Users submit basic identity details including their full name, date of birth, address, and the last four digits of their SSN. This information is securely shared with our primary payment partner, Ideology, which performs real-time verification against US national databases. Once successfully verified, users are cleared to proceed with deposits, withdrawals, and gameplay transactions.
Since the required details are mandated by legal and compliance standards, the process can feel overwhelming for users. To ease the experience, we’ve broken it down into two simple, progressive steps—making verification smoother, faster, and less intrusive.
Verification Level 2
Verification Level 2
Advanced Verification for Failed First Attempts
When users fail the initial (Level 1) verification during withdrawal, they are routed through a more detailed identity verification process via our trusted partner, Personas. This step is critical for ensuring legal compliance, safeguarding the platform from fraudulent activity, and offering users a final opportunity to validate their identity before being restricted.
Modular Payment Architecture
Modular Payment Architecture
Powering Payments Ecosystem with Flexibility & Trust
To ensure transactional reliability, mitigate single-point failures, and enhance user confidence, we architected a modular payment infrastructure by integrating multiple third-party providers. This multi-partner approach introduces both redundancy and extensibility, enabling us to support diverse user preferences across devices and platforms. From low-latency one-tap checkouts to high-throughput bank transfers, the system is optimised for speed, security, and scalability.
Below is a breakdown of each integrated payment method and its functional value within the ecosystem:
Deposit User Experience
Deposit User Experience
Optimized for Conversion: A Scalable, Multi-Partner Deposit Flow
This prototype demonstrates a fully integrated deposit flow designed to balance regulatory compliance, user experience, and business performance. Beginning with geo-permission and lightweight KYC (Name + DOB), the system dynamically verifies user eligibility before routing them to a modular payment interface. By abstracting multiple payment providers— Apple Pay, PayPal, Checkout, and Coinflow, users are presented with contextually relevant options that reduce friction and increase deposit velocity.
The result: a faster time-to-deposit, higher success rates, and improved LTV - all delivered through a system architecture built for reliability, redundancy, and growth.
Withdrawal User Experience
Withdrawal User Experience
Secure, Compliant, Scalable: A Withdrawal Flow Built for Trust and Growth
This prototype illustrates a streamlined withdrawal flow engineered to deliver high user trust and operational efficiency without compromising compliance. Starting with progressive AML Verification that builds on deposit data, the system intelligently adapts based on verification status - minimizing redundant inputs while maintaining regulatory rigor. Users are guided through a fast, intuitive interface where they can withdraw using bank accounts, debit cards, or wallets via partners like Coinflow and PayPal.
The flow also handles edge cases like verification failures with clear escalation paths through third-party verification (Personas). By combining real-time decisioning, geo-restriction enforcement, and minimal-friction verification, the system reduces overall withdrawal friction, boosts retention, and protects business integrity - supporting both legal mandates and long-term user loyalty.
Launch & Impact Analysis
Launch & Impact Analysis
Early Wins & Key Metrics from the Upgraded Payments Rollout
Our newly redesigned payment ecosystem was launched just a few days ago and is already showing promising early signs. With strong initial adoption and positive user feedback, we’ve begun gradually scaling it to 100% of the user base. To assess its effectiveness, we’ve defined a focused set of metrics tied to user experience, compliance, and business outcomes. These indicators help us monitor transaction success, reduce friction, and continuously optimise the system for performance and reliability at scale.
Conclusion
Conclusion
Laying the Rails for Scalable, Trusted Real Money Play
With the launch of our reimagined payment ecosystem, Bingo Champions now stands on a foundation built for both reliability and rapid scale. By integrating multiple partners, streamlining verification, and optimizing for user experience across platforms, we’ve transformed payments from a potential friction point into a competitive advantage.
Early results show clear improvements in transaction success, faster withdrawals, and increased user trust. As we continue to refine and expand this system, we’re not just enabling seamless play - we’re setting new standards for how Real Money Gaming platforms operate in regulated markets like the US.
Next Steps
Next Steps
Evolving the Payment Experience with Precision & Vision
As the new payment ecosystem rolls out to the full user base, the focus shifts to continuous optimization and future readiness. We plan to A/B test the visibility of the most-used vs fastest payment options to fine-tune conversion across segments.
Monitoring performance during peak usage - such as high-volume gaming events - will help validate system resilience under load. Looking ahead, we’re also exploring integrations with crypto wallets and emerging fintech solutions to ensure the ecosystem remains adaptable, innovative, and aligned with evolving user expectations.
More Works
(VK® — 02)
©2025
More Works
(VK® — 02)
©2025
Jan'25 - Feb'25
Payment Ecosystem
As Bingo Champions scaled in the US market, building a payments infrastructure that could support user growth, reduce friction, and ensure operational resilience became mission-critical
B2C
UX Design
Case Study
your design partner
your design partner
Overview
Achieving 85% Transaction Success Rate: Designing a seamless multi-partner digital payments network for Bingo Champions (USA).
What is Bingo Champions?
Bingo Champions offers a slick and engaging mobile bingo gaming experience designed for players who love the thrill of real-money games. It combines the classic excitement of bingo with a modern, fast-paced interface, allowing users to seamlessly jump into matches anytime. With super-fast deposits and hassle-free withdrawals, players can focus on the game rather than the logistics.
The platform also rewards loyalty and engagement—users can earn free bonus cash daily through features like “Spin the Wheel” and “Daily Streak Rewards”. Additionally, Bingo Champions makes it easy to boost your balance by referring friends, offering generous incentives for every successful referral. Currently available exclusively in the US market, Bingo Champions delivers a rewarding and dynamic bingo experience tailored for real-money play, with a strong focus on convenience, fun, and fair competition.
Problem Statement
The Risks of Single-Threaded Payments: Scaling Stalled by Limited Infrastructure
As Bingo Champions began to scale rapidly in the competitive US Real Money Gaming market, its dependency on a single payment partner exposed critical weaknesses in its operational backbone. What initially seemed like a lean and efficient setup soon turned into a bottleneck - impacting user experience, platform reliability, and ultimately, business growth. Below are the key challenges that highlighted the urgent need for a more resilient and diversified payments ecosystem:
Research & Insights
Users Prioritise instant deposits, quick & hassle-free withdrawals, & secure transactions with minimal verification steps
To build a more user-centric payment experience, we surveyed Real Money Gaming (RMG) users across the US to understand their payment needs and behaviours. The findings revealed that users prioritise instant deposits, quick and hassle-free withdrawals, and secure transactions with minimal verification steps. These insights were critical in shaping our payment strategy, particularly around expanding support for the most preferred payment options among our user base.
Solution Overview
Future-Proofing Payments: A Scalable, User-First Ecosystem for RMG
As Bingo Champions scaled in the US market, building a payments infrastructure that could support user growth, reduce friction, and ensure operational resilience became mission-critical. We focused on creating a system that was not only fast and secure but also flexible enough to withstand regulatory shifts and partner issues. Our redesigned ecosystem was anchored around five strategic pillars that balance user expectations with long-term platform reliability:
Compliance & Legal Requirements
Trust Through Verification: Building a Secure & Compliant Ecosystem
In the Real Money Gaming space, ensuring legal compliance isn’t optional it’s foundational. To operate safely and sustainably in the US, Bingo Champions implemented a robust, multi-layered AML (Anti-Money Laundering) verification flow. This system not only safeguards the platform from fraudulent or sanctioned users but also reinforces player trust and regulatory credibility. Here's how our one-time AML verification process works:
Verification Level 1
Basic Identity Check with Ideology
Users submit basic identity details including their full name, date of birth, address, and the last four digits of their SSN. This information is securely shared with our primary payment partner, Ideology, which performs real-time verification against US national databases. Once successfully verified, users are cleared to proceed with deposits, withdrawals, and gameplay transactions.
Since the required details are mandated by legal and compliance standards, the process can feel overwhelming for users. To ease the experience, we’ve broken it down into two simple, progressive steps—making verification smoother, faster, and less intrusive.
Verification Level 2
Advanced Verification for Failed First Attempts
When users fail the initial (Level 1) verification during withdrawal, they are routed through a more detailed identity verification process via our trusted partner, Personas. This step is critical for ensuring legal compliance, safeguarding the platform from fraudulent activity, and offering users a final opportunity to validate their identity before being restricted.
Modular Payment Architecture
Powering Payments Ecosystem with Flexibility & Trust
To ensure transactional reliability, mitigate single-point failures, and enhance user confidence, we architected a modular payment infrastructure by integrating multiple third-party providers. This multi-partner approach introduces both redundancy and extensibility, enabling us to support diverse user preferences across devices and platforms. From low-latency one-tap checkouts to high-throughput bank transfers, the system is optimised for speed, security, and scalability.
Below is a breakdown of each integrated payment method and its functional value within the ecosystem:
Deposit User Experience
Optimized for Conversion: A Scalable, Multi-Partner Deposit Flow
This prototype demonstrates a fully integrated deposit flow designed to balance regulatory compliance, user experience, and business performance. Beginning with geo-permission and lightweight KYC (Name + DOB), the system dynamically verifies user eligibility before routing them to a modular payment interface. By abstracting multiple payment providers— Apple Pay, PayPal, Checkout, and Coinflow, users are presented with contextually relevant options that reduce friction and increase deposit velocity.
The result: a faster time-to-deposit, higher success rates, and improved LTV - all delivered through a system architecture built for reliability, redundancy, and growth.
Withdrawal User Experience
Secure, Compliant, Scalable: A Withdrawal Flow Built for Trust and Growth
This prototype illustrates a streamlined withdrawal flow engineered to deliver high user trust and operational efficiency without compromising compliance. Starting with progressive AML Verification that builds on deposit data, the system intelligently adapts based on verification status - minimizing redundant inputs while maintaining regulatory rigor. Users are guided through a fast, intuitive interface where they can withdraw using bank accounts, debit cards, or wallets via partners like Coinflow and PayPal.
The flow also handles edge cases like verification failures with clear escalation paths through third-party verification (Personas). By combining real-time decisioning, geo-restriction enforcement, and minimal-friction verification, the system reduces overall withdrawal friction, boosts retention, and protects business integrity - supporting both legal mandates and long-term user loyalty.
Launch & Impact Analysis
Early Wins & Key Metrics from the Upgraded Payments Rollout
Our newly redesigned payment ecosystem was launched just a few days ago and is already showing promising early signs. With strong initial adoption and positive user feedback, we’ve begun gradually scaling it to 100% of the user base. To assess its effectiveness, we’ve defined a focused set of metrics tied to user experience, compliance, and business outcomes. These indicators help us monitor transaction success, reduce friction, and continuously optimise the system for performance and reliability at scale.
Conclusion
Laying the Rails for Scalable, Trusted Real Money Play
With the launch of our reimagined payment ecosystem, Bingo Champions now stands on a foundation built for both reliability and rapid scale. By integrating multiple partners, streamlining verification, and optimizing for user experience across platforms, we’ve transformed payments from a potential friction point into a competitive advantage.
Early results show clear improvements in transaction success, faster withdrawals, and increased user trust. As we continue to refine and expand this system, we’re not just enabling seamless play - we’re setting new standards for how Real Money Gaming platforms operate in regulated markets like the US.
Next Steps
Evolving the Payment Experience with Precision & Vision
As the new payment ecosystem rolls out to the full user base, the focus shifts to continuous optimization and future readiness. We plan to A/B test the visibility of the most-used vs fastest payment options to fine-tune conversion across segments.
Monitoring performance during peak usage - such as high-volume gaming events - will help validate system resilience under load. Looking ahead, we’re also exploring integrations with crypto wallets and emerging fintech solutions to ensure the ecosystem remains adaptable, innovative, and aligned with evolving user expectations.
More Works
©2025
Jan'25 - Feb'25
Payment Ecosystem
As Bingo Champions scaled in the US market, building a payments infrastructure that could support user growth, reduce friction, and ensure operational resilience became mission-critical
B2C
UX Design
Case Study
your design partner
your design partner
Overview
Achieving 85% Transaction Success Rate: Designing a seamless multi-partner digital payments network for Bingo Champions (USA).
What is Bingo Champions?
Bingo Champions offers a slick and engaging mobile bingo gaming experience designed for players who love the thrill of real-money games. It combines the classic excitement of bingo with a modern, fast-paced interface, allowing users to seamlessly jump into matches anytime. With super-fast deposits and hassle-free withdrawals, players can focus on the game rather than the logistics.
The platform also rewards loyalty and engagement—users can earn free bonus cash daily through features like “Spin the Wheel” and “Daily Streak Rewards”. Additionally, Bingo Champions makes it easy to boost your balance by referring friends, offering generous incentives for every successful referral. Currently available exclusively in the US market, Bingo Champions delivers a rewarding and dynamic bingo experience tailored for real-money play, with a strong focus on convenience, fun, and fair competition.
Problem Statement
The Risks of Single-Threaded Payments: Scaling Stalled by Limited Infrastructure
As Bingo Champions began to scale rapidly in the competitive US Real Money Gaming market, its dependency on a single payment partner exposed critical weaknesses in its operational backbone. What initially seemed like a lean and efficient setup soon turned into a bottleneck - impacting user experience, platform reliability, and ultimately, business growth. Below are the key challenges that highlighted the urgent need for a more resilient and diversified payments ecosystem:
Research & Insights
Users Prioritise instant deposits, quick & hassle-free withdrawals, & secure transactions with minimal verification steps
To build a more user-centric payment experience, we surveyed Real Money Gaming (RMG) users across the US to understand their payment needs and behaviours. The findings revealed that users prioritise instant deposits, quick and hassle-free withdrawals, and secure transactions with minimal verification steps. These insights were critical in shaping our payment strategy, particularly around expanding support for the most preferred payment options among our user base.
Solution Overview
Future-Proofing Payments: A Scalable, User-First Ecosystem for RMG
As Bingo Champions scaled in the US market, building a payments infrastructure that could support user growth, reduce friction, and ensure operational resilience became mission-critical. We focused on creating a system that was not only fast and secure but also flexible enough to withstand regulatory shifts and partner issues. Our redesigned ecosystem was anchored around five strategic pillars that balance user expectations with long-term platform reliability:
Compliance & Legal Requirements
Trust Through Verification: Building a Secure & Compliant Ecosystem
In the Real Money Gaming space, ensuring legal compliance isn’t optional it’s foundational. To operate safely and sustainably in the US, Bingo Champions implemented a robust, multi-layered AML (Anti-Money Laundering) verification flow. This system not only safeguards the platform from fraudulent or sanctioned users but also reinforces player trust and regulatory credibility. Here's how our one-time AML verification process works:
Verification Level 1
Basic Identity Check with Ideology
Users submit basic identity details including their full name, date of birth, address, and the last four digits of their SSN. This information is securely shared with our primary payment partner, Ideology, which performs real-time verification against US national databases. Once successfully verified, users are cleared to proceed with deposits, withdrawals, and gameplay transactions.
Since the required details are mandated by legal and compliance standards, the process can feel overwhelming for users. To ease the experience, we’ve broken it down into two simple, progressive steps—making verification smoother, faster, and less intrusive.
Verification Level 2
Advanced Verification for Failed First Attempts
When users fail the initial (Level 1) verification during withdrawal, they are routed through a more detailed identity verification process via our trusted partner, Personas. This step is critical for ensuring legal compliance, safeguarding the platform from fraudulent activity, and offering users a final opportunity to validate their identity before being restricted.
Modular Payment Architecture
Powering Payments Ecosystem with Flexibility & Trust
To ensure transactional reliability, mitigate single-point failures, and enhance user confidence, we architected a modular payment infrastructure by integrating multiple third-party providers. This multi-partner approach introduces both redundancy and extensibility, enabling us to support diverse user preferences across devices and platforms. From low-latency one-tap checkouts to high-throughput bank transfers, the system is optimised for speed, security, and scalability.
Below is a breakdown of each integrated payment method and its functional value within the ecosystem:
Deposit User Experience
Optimized for Conversion: A Scalable, Multi-Partner Deposit Flow
This prototype demonstrates a fully integrated deposit flow designed to balance regulatory compliance, user experience, and business performance. Beginning with geo-permission and lightweight KYC (Name + DOB), the system dynamically verifies user eligibility before routing them to a modular payment interface. By abstracting multiple payment providers— Apple Pay, PayPal, Checkout, and Coinflow, users are presented with contextually relevant options that reduce friction and increase deposit velocity.
The result: a faster time-to-deposit, higher success rates, and improved LTV - all delivered through a system architecture built for reliability, redundancy, and growth.
Withdrawal User Experience
Secure, Compliant, Scalable: A Withdrawal Flow Built for Trust and Growth
This prototype illustrates a streamlined withdrawal flow engineered to deliver high user trust and operational efficiency without compromising compliance. Starting with progressive AML Verification that builds on deposit data, the system intelligently adapts based on verification status - minimizing redundant inputs while maintaining regulatory rigor. Users are guided through a fast, intuitive interface where they can withdraw using bank accounts, debit cards, or wallets via partners like Coinflow and PayPal.
The flow also handles edge cases like verification failures with clear escalation paths through third-party verification (Personas). By combining real-time decisioning, geo-restriction enforcement, and minimal-friction verification, the system reduces overall withdrawal friction, boosts retention, and protects business integrity - supporting both legal mandates and long-term user loyalty.
Launch & Impact Analysis
Early Wins & Key Metrics from the Upgraded Payments Rollout
Our newly redesigned payment ecosystem was launched just a few days ago and is already showing promising early signs. With strong initial adoption and positive user feedback, we’ve begun gradually scaling it to 100% of the user base. To assess its effectiveness, we’ve defined a focused set of metrics tied to user experience, compliance, and business outcomes. These indicators help us monitor transaction success, reduce friction, and continuously optimise the system for performance and reliability at scale.
Conclusion
Laying the Rails for Scalable, Trusted Real Money Play
With the launch of our reimagined payment ecosystem, Bingo Champions now stands on a foundation built for both reliability and rapid scale. By integrating multiple partners, streamlining verification, and optimizing for user experience across platforms, we’ve transformed payments from a potential friction point into a competitive advantage.
Early results show clear improvements in transaction success, faster withdrawals, and increased user trust. As we continue to refine and expand this system, we’re not just enabling seamless play - we’re setting new standards for how Real Money Gaming platforms operate in regulated markets like the US.
Next Steps
Evolving the Payment Experience with Precision & Vision
As the new payment ecosystem rolls out to the full user base, the focus shifts to continuous optimization and future readiness. We plan to A/B test the visibility of the most-used vs fastest payment options to fine-tune conversion across segments.
Monitoring performance during peak usage - such as high-volume gaming events - will help validate system resilience under load. Looking ahead, we’re also exploring integrations with crypto wallets and emerging fintech solutions to ensure the ecosystem remains adaptable, innovative, and aligned with evolving user expectations.
More Works
(VK® — 02)
©2025