INVOICE_QR

As part of my work with IT startups, I supported company formation and the development, protection, and scaling of commercial software products.

Since 2019, I have collaborated with Invoice, a payment-processing and technology company that builds analytical capabilities and software solutions for banks, businesses, and end consumers. As part of this engagement, we launched InvoiceQR, an integration-light payment solution.

Client: Payment Provider

Sector: FinTech

Merchant target audience: SME merchants

Delivery phase: 2019–2020

invoice.su

PROBLEM

Small businesses needed a way to accept cashless payments quickly, without building a website, integrating payment gateways, or maintaining technical infrastructure. Existing solutions assumed a level of digital maturity that many merchants lacked, creating friction during onboarding and low adoption.

PRODUCT DECISION

Defined a QR-based payment product that deliberately avoided deep integrations. The core decision was to prioritize distribution flexibility and speed to first transaction over feature breadth. Payments could be initiated via a shareable link or on-screen QR code, enabling use across physical locations and digital channels, including messaging apps and social platforms.

USER EXPERIENCES

At its core, InvoiceQR replaced a physical payment terminal with a digital payment link. A QR code served as a visual shortcut to a secure payment page, allowing customers to complete a transaction by scanning the code or by clicking a shared link—without additional hardware or integration. The experience was easy for both merchants and customers and did not require payer registration or personal data.

LAUNCH STRATEGY

The product was launched as a ready-to-use payment tool requiring no merchant-side integration. Adoption relied on existing merchant behavior: sharing links, displaying QR codes in person, and operating through channels they already used, rather than onboarding them to new platforms.

MARKET VALIDATION

InvoiceQR enabled cashless payments in contexts where traditional payment infrastructure was impractical, including in-person sales without a POS system and online sales without a website. The launch validated that reducing setup friction materially improves adoption among small and informal businesses.

OUTCOME FOCUS

The product demonstrated that a narrowly scoped, integration-light payment solution could achieve practical usability across multiple contexts while remaining technically simple and scalable.

ROLE & OWNERSHIP

As Product Owner, I led problem framing, scope definition, and prioritization, translating business needs into a minimal, scalable product specification. Responsibilities included requirements definition, trade-off decisions, collaboration with IT teams, stakeholder coordination, and alignment of business objectives with delivery constraints.

Nowadays, Invoice remains active in international markets across Eastern Europe, Central Asia, and the Middle East, and has expanded beyond its original scope into a broader set of payment services.