In the previous decade, digitalization has spread all over the world. Every single industry is utilizing some digital components for easing the operation. Digital payment is becoming popular with time, whereas devices and apps are proliferating digital payment. In the run, digital wallets have come to market. People prefer to pay various expenditures using digital wallets. EWallet app design is now dominating the online payment market due to its fuse-free payments and quick reaction.

The Global Forecast Report estimates the eWallet software development market to grow at the 15% CAG. The turnover of the eWallet market is expected to cross USD 2100 billion before 2024. The easier way of getting rid of the long payment queues, scarcity of exchanges, and moving ahead from the traditional methods is to switch to eWallet. With the growing popularity of Gpay, Phone Pay, Paytm, and PayPal, many mobile app development companies and startups got inspired and working on updated mobile wallet app development.

As per stats, contactless technologies or near-field communications have accessed by 1.06 billion users in 2020, in the USA that is slightly great from 0.83 billion users recorded in 2018. In the current year, it has reached 1.15 billion users. According to the Stats, the growth in the number of mobile proximity payment users across the world in the period of 2018 to 2023 is expected to reach 1.31 billion by 2023.

Milestones of E-wallet App Design

The eWallet app design needs to incorporate several elements for providing a fantastic design and an amazing experience. An amazing design cannot be made in a day; it includes many milestones or components for building the engaging app along with the experienced eWallet app developers.

Here are few prominent milestones:

  • Background

Your brand has some identity and making the impression is really necessary for small or big website Design Companies. Every detail of the app must touch with the brand’s identity.  E-Wallet app design needs to incorporate different design elements such as UI, icons, and logos, etc.

  • Animation

High-quality user interaction demands some additional efforts from an eWallet app Development Company as it needs to have a high level of user interaction. There are several app screens or features in every eWallet app design, which can be animated for offering the user additional interactivity. Animation is part of the app but cannot be considered a prominent element. Animation makes a significant difference in look and feel, but it is not the only element.

  • The Color Palette and Gradient

The color theme is the most important part of any app. More than sixty percent of the users are attracted to app depend upon the color palette choice. Alongside the mixture of colors makes a pleasing impact on the mind. This necessitates color gradient for app design.

  • Isometric Design

Uncluttered and equal design is important to make you feel relax and focus more on components.  There is several information, which needs to be put on a single screen.  The welcome screen of the app may have balance, pay bills, transactions, order history, phone recharge, mobile payments, and other reward offer links.  For putting roster of features, web design company suggests some ultimately proven solution template in affordable prices. You need to keep design isometric for better usability.

E-Wallet App Design Processes

The eWallet design process is crucial in building capable eWallet app. The design process involves proper research, understanding of the user personas, building workflow, and developing wireframes.

Let’s understand the design process components.

Step 1: Market Research

There are many eWallet apps available in the market, where big contributors are reining the market with their number of features and a huge level of security. The contributors such as Gpay, Samsung Pay have acquired a huge share of mare and have their loyal customers. Proper market research is necessary before looking for eWallet app developers for your esteemed dream.

No market is a smooth as it sees in the primary stage. The eWallet apps are actually the integrators of the market. These apps make payment easier. These apps facilitate the development of the fine, foolproof relationship between both vendor and customer. 

Researching more about the existing players of the market gives you an idea to think about the features you can have and the components to avoid.  Alongside going through the app design also give an idea about the design preferences.  You may assess and walk through the issues, customers are having with the wallet provider.

Step 2: User Personas 

An understanding user persona is really important for delivering the exact demands of the user. Every user is different and so are their choices. But it is always recommended and beneficial to categorize your customer into several groups. A proficient eWallet app developer knows to deliver an app that is liked by the masses.

This way you can cater to them better with the most demanded offerings. Your design directly contributes to the app’s usability. The high interaction of the use is possible if he feels convenience in handling the app. Too much interaction with the buttons annoy customers. Therefore it is preferred to avoid.

The demographic location of the customer ensures the choice of the majority of users. General E-Wallet demographic distribution could be like.

  • Educated customers, such as young professionals, executives, and students. 
  • Users with bank interactions and user with the least bank interactions
  • Tech-Savvy and less tech-savvy customers. 

Categorizing the users in several groups and subgroups can help companies understand the user behavior which is really important throughout the whole life of the business. Customers are the face of business, understanding their behavior can give fruits of success.

Step 3: User Flow Development

For app development, workflow is decided in prior. It is similar to building a road before moving your vehicle over it. The road decides the path and leads to the goal. The same applies to the user flow of eWallet.

E-Wallet software development workflow is prepared where the sequence of steps taken by users is decided. The journey of the user depends upon the type of the user, but your app must follow the path which is convenient for the masses. Be careful to decide the workflow which is suitable for the majority of the people.

Step 4: Wireframe Designing

Wireframes are the prototypes of the app. Wireframes are created in two categories. Low fidelity wireframes and high fidelity wireframes. The low-fidelity wireframes are the initial blueprint of the webpage, which makes them easier to follow. The stakeholders can focus on webpage functionality and purpose, while they can exclude the details such as fonts, size, colors, etc.

The low-fidelity wireframes are used for visualizing the requirements and putting everything on the same page, whereas the high-fidelity wireframe ensures the communication of decisions to the team and end-users. Every mobile app development company offer eWallet app development services with the help of top mobile app developers who work on proper app flow.

Step 5: Visualization

It is also the part of eWallet app development wireframing process. It is a pleasing and simple step, where the focus is on minimalistic design with the muted color pallet. While visualizing, you must rely on simple fonts.

Things to Consider for E-Wallet Development

While designing the eWallet app, web designing companies need to consider few important things. Every component has some guidelines and some processes.  MasterCard has its own guidelines for user interface and designing part. For getting your eWallet up in the market, you need to check the guidelines.  In the eWallet app design process, the logo of the master card appears on the debit card. Also, it is used as the standalone symbol over the document acceptance flow. Here are few tips; you need to take care of:

The exact image replica of the original debit card must have at least a 15 mm image or the logo.  The standalone image over the document flow could not be lower than the 7 mm in size.

Alongside, the MasterCard brand logo must be shown, whenever-

  • Customer activate the account
  • The user chooses the account for payment
  • The user reaches the account or accesses the details of the account
  • User completes the payment transaction 

Similar guidance is available for other card types. These instructions change over time, so it is always good to check them regularly before development.

A) Color and Iconography

Visualizing a card with the grey style does not disclose about the status of the card. When any use sees the card, it must easily comprehensible, whether it is active, blocked, or inactive. Transparency is a good and comprehensible indicator of categorizing the card.

B) Real-time Communication

E-Wallet software development ensures the direct and fastest transactions, while there is a little exceptional case, where the payment is delayed for one or two days due to some technical issue. The app when making the transaction, the user must get the notification on the registered number. While splitting the bills, the proper notification becomes more important.

Features for Mobile Wallet Development

E-Wallet app design solution incorporates a number of features. The process goes through market research, wireframing, and visualization. But, one thing which is inhibited in every step is to find the right set of features. The right set of features are required to make your app successful.

Every business owner sees the market from a different perspective, so are the requirement of the app.

Here are few common features assembled from intensive market research. These features are time-based and may vary depending upon the market.

  • User Registration

User registration is the most common and most prevalent feature for eWallet app solution. With the influence of social media, it has become a wide culture to build the profile.  Users use mail ID and mobile numbers for registrations. They can make the changes in their profile after login. Mobile numbers are validated with the help of a one-time password.

OTP accentuates the need of security. An eWallet app design company majorly focuses on giving its customer a safe and secure environment. This mobile number is saved as the recognition for OTP while making regular transactions.

While registering, the verification code aka OTP works as an authentication. Some apps use KYC for securely transferring the funds to other wallet or account number.

  • Bank Account Linking

Once you register, next step is to link the bank account. Linking the bank account is necessary for transferring the amount to and from.  Your debit card is linked to the eWallet with the debit card number, name of the owner, and CVV number.

  • Add Money to Your Wallet

After linking your bank account, you need to transfer some amount to your wallet for making a transaction. You added bank safely transfers money to your account which thereafter reflected your wallet.

  • Payment from the Wallet

You can send the amount to another wallet or anywhere using a QR code or mobile number. E-Wallet offers the feature for sending money just by typing the recipient’s phone number. Mobile phone users if acquainted with the technology can send the amount using a beacon and NFC.

  • Receive Fund

Similar to the payment, it is very easier to receive funds. But in fact, it needs you to have your CC detail and KYC shared. With the help of the E-Wallet app, you can check the previous payment history.

Read Also: E-wallet Mobile App Development: Cost and Features

  • Send Money to Bank

E-Wallet app designing services are incomplete without bank and wallet linking. You need to able to add wallet cash to your account. Users can transfer money if he does not want to keep the additional amount in the wallet. Noticeably, every app has some limits of wallet.  If the total amount of transactions exceeds. You are stopped to make further transactions.

  • Recharge or Bill Payment

The purpose of the E-Wallet app is to give convenience for the customer over paying bills and recharge.  With the Mobile Wallet apps you are updated for the essential bills, electricity/phone bills, pending recharges and other outstanding payments. You stay connected with all your monthly bills and you can pay using an Mobile Wallet.

  • Travel Reservation

You can reserve tickets for your train and flight journey. There are many Mobile Wallet apps available in the market where you can reserve flight tickets and train seats. You need to give some journey details and move with the steps for making a transaction.

  • Grocery Shopping

E-Wallet apps are integrated with the e-commerce portals for facilitating user oriented features. Users can purchase online groceries, shop the apparels, household items, smart phones, and other electronic items.

  • Discount Offers

Further, as a stakeholder in an eWallet app, your aim is to gather as large market as possible. You can provide offers and discounts for the purchases; cashback schemes over joining or first transactions. You can set some threshold for limiting the offers and discounts for a particular set of customers.

  • Order History

Your Mobile Wallet app solution can really solve the account maintenance issue for an individual. This is possible with the help of the order history feature.  Whether you are paying bills, recharging a mobile phone, book movie tickets or shop an item, all transactions are shown over here along with the details.

  • Refer a Friend

It is another promotional feature, but now generic for every Mobile Wallet app. You can ask and tell your friend to use the app. If your friend uses the app, the referral amount is transferred to your wallet, or the discount is shared with you.

  • Settings

Settings allow customizing the app. Mobile wallet development solution providing companies work with the number of apps where the business owners offer app customization as per trend and need. Profile setting can be changed, payment setting can be personalized and the security setting, view can be altered. 


There are many eWallet app designers in the market, but finding the best website design company needs proper research. eWallet App design solutions found to be cumbersome for many designers, whereas experts find it interesting. There are many Mobile Wallet apps in the market and many of the amateur organizations copy the app features, make some relevant tweaks and launch the app. But if you think from a business perspective, there are many reasons, where the eWallet app needs to be different from other competitors.

Not every wallet is successful. Some fail to woo customers and the reasons are not too hidden. Finding cons and the entry barriers is equally important as finding pros for the venture. The perfection of an app comes with an astonishing design and engaging UX.

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