Kroger Pay
Streamlining Checkout for a Seamless Payment Experience
Kroger Pay:
✔ Simplified transactions, integrated rewards, and enhanced security
✔ Aimed to reduce checkout friction, increase digital payment adoption, and strengthen customer loyalty
Role: Product Designer
Employer: Kroger
Platforms: iOS & Android
Areas: Research & Design
The Problem
Before Kroger Pay, customers faced key challenges:
✔ Slow checkout – Manual card entry & separate loyalty scanning added extra steps.
✔ No seamless rewards integration – Customers had to scan loyalty separately.
✔ Security concerns – Hesitation around using third-party payment apps.
✔ Competitive pressure – Walmart & Target had proprietary payment systems.
Research & Insights
Through customer surveys, competitor analysis, and observational research, we found:
✔ 60% of users wanted faster checkout with mobile payments.
✔ 40% preferred paying via phone if it was secure & easy.
✔ Walmart Pay’s QR system inspired our scan-to-pay approach.
Solution & Design Approach
✔ QR-based payment for universal compatibility across stores.
✔ One-scan checkout – Pay & apply rewards in a single step.
✔ Embedded within Kroger App for easy access & trust.
Users can manage their payment methods within Kroger Pay by adding a new card or editing an existing one.
Users could also manage their Billing Address within Kroger Pay as well.
Impact & Results
📈 30% faster checkout times than manual payments.
💳 Higher adoption of Kroger Pay, reducing third-party payment reliance.
🎯 Increased customer retention, keeping shoppers in the Kroger ecosystem.
Conclusion
Kroger Pay streamlined fuel payments, improving transaction speed, digital payment adoption, and customer satisfaction.
By solving key pain points, we created a seamless, mobile-first payment experience that drives both user convenience and business growth.
