Dream Payments
White-labeled instant payouts platform for insurers, financial institutions, and online marketplaces.
TEAM
Visa Growth Design x Dream Payments
CEO, Dream Payments CPO, Dream Payments CIO, Dream Payments Global Head of Strategic Partnerships & Fintech, Visa Global Head of Design, Visa Sr. Director Design, Visa Sr. Staff Designer, Visa
Background
My team was tapped to serve as design consultants for Dream Payments, a fintech startup with strategic value to Visa through its use of Visa APIs and its ability to drive digital payment volume.
ROLE
I led product design for Dream Payments’ white-labeled payouts solution, collaborating directly with their CEO, CIO, and CPO, as well as Visa’s Global Head of Strategic Digital Partnership and Global Head of Design. In one month, my team transformed the product from a basic utility into an experience that genuinely served end customers. Our redesign strengthened Dream Payments’ ability to engage both existing and prospective clients, accelerating adoption and opening the door to new use cases in insurance, financial services, and online marketplaces.
Impact
Dream Payments’ existing payout flows introduced friction at the worst possible moment — when customers were stressed and simply wanted to move on. This complexity made the familiar paper check feel like the easier choice, undermining digital adoption. The redesigned experience reduced friction and instilled confidence, improving customer engagement. Conversion from checks to Visa Direct increased by roughly 10%.
Link
Dream Payments
White-labeled instant payouts platform for insurers, financial institutions, and online marketplaces.
TEAM
Visa Growth Design x Dream Payments
CEO, Dream Payments CPO, Dream Payments CIO, Dream Payments Global Head of Strategic Partnerships & Fintech, Visa Global Head of Design, Visa Sr. Director Design, Visa Sr. Staff Designer, Visa
Background
My team was tapped to serve as design consultants for Dream Payments, a fintech startup with strategic value to Visa through its use of Visa APIs and its ability to drive digital payment volume.
ROLE
I led product design for Dream Payments’ white-labeled payouts solution, collaborating directly with their CEO, CIO, and CPO, as well as Visa’s Global Head of Strategic Digital Partnership and Global Head of Design. In one month, my team transformed the product from a basic utility into an experience that genuinely served end customers. Our redesign strengthened Dream Payments’ ability to engage both existing and prospective clients, accelerating adoption and opening the door to new use cases in insurance, financial services, and online marketplaces.
Impact
Dream Payments’ existing payout flows introduced friction at the worst possible moment — when customers were stressed and simply wanted to move on. This complexity made the familiar paper check feel like the easier choice, undermining digital adoption. The redesigned experience reduced friction and instilled confidence, improving customer engagement. Conversion from checks to Visa Direct increased by roughly 10%.
Link
Dream Payments
White-labeled instant payouts platform for insurers, financial institutions, and online marketplaces.
TEAM
Visa Growth Design x Dream Payments
CEO, Dream Payments CPO, Dream Payments CIO, Dream Payments Global Head of Strategic Partnerships & Fintech, Visa Global Head of Design, Visa Sr. Director Design, Visa Sr. Staff Designer, Visa
Background
My team was tapped to serve as design consultants for Dream Payments, a fintech startup with strategic value to Visa through its use of Visa APIs and its ability to drive digital payment volume.
ROLE
I led product design for Dream Payments’ white-labeled payouts solution, collaborating directly with their CEO, CIO, and CPO, as well as Visa’s Global Head of Strategic Digital Partnership and Global Head of Design. In one month, my team transformed the product from a basic utility into an experience that genuinely served end customers. Our redesign strengthened Dream Payments’ ability to engage both existing and prospective clients, accelerating adoption and opening the door to new use cases in insurance, financial services, and online marketplaces.
Impact
Dream Payments’ existing payout flows introduced friction at the worst possible moment — when customers were stressed and simply wanted to move on. This complexity made the familiar paper check feel like the easier choice, undermining digital adoption. The redesigned experience reduced friction and instilled confidence, improving customer engagement. Conversion from checks to Visa Direct increased by roughly 10%.
Link
Problem
Insurance is a risk-averse industry, still reliant on legacy systems and paper checks. Dream Payments aimed to modernize payouts — speeding up claims, lowering costs, and improving customer satisfaction. But use of digital payouts lagged behind expectations; customers often still defaulted to checks.
Problem
Insurance is a risk-averse industry, still reliant on legacy systems and paper checks. Dream Payments aimed to modernize payouts — speeding up claims, lowering costs, and improving customer satisfaction. But use of digital payouts lagged behind expectations; customers often still defaulted to checks.
Problem
Insurance is a risk-averse industry, still reliant on legacy systems and paper checks. Dream Payments aimed to modernize payouts — speeding up claims, lowering costs, and improving customer satisfaction. But use of digital payouts lagged behind expectations; customers often still defaulted to checks.
Solution
The new experience provided a clean, and easily white-labeled UI. Built on Visa’s payout technologies, the design delivered a streamlined, intuitive interface customizable by clients. By reducing friction, the experience made digital payouts the preferred choice.
Solution
First time users are prompted to set up a payment method to use to receive their payout. Visa helped Dream Payments design and implement several methods that allow users to receive their funds almost instantly.
Solution
The new experience provided a clean, and easily white-labeled UI. Built on Visa’s payout technologies, the design delivered a streamlined, intuitive interface customizable by clients. By reducing friction, the experience made digital payouts the preferred choice.
© 2025 – Zach Temkin
© 2025 – Zach Temkin
© 2025 – Zach Temkin