# Bill Pay Experience Design Guide for Debtor Service Providers
source: https://developer.mastercard.com/bill-pay-experience-design-guide/documentation/index.md

### What is an Experience Design Guide? {#what-is-an-experience-design-guide}

The Mastercard Bill Pay Experience Design Guide was created to provide you, our customer, with our best user experience recommendations and cutting edge resources for implementation.

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You will find white label Figma flows to improve the speed, quality and cost of implementation and scale. Our goal is to make it easier than ever to go to market efficiently and effectively and achieve adoption and long-term use of Mastercard Bill Pay.

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This guide is intended for product owners, designers and developers launching Mastercard Bill Pay in their own environment.
![About this guide](https://static.developer.mastercard.com/content/bill-pay-experience-design-guide/Images/design-standards/design-standards-landing-page-image-1.png)

### Design {#design}

Access the full product journeys including white label Figma flows

[Learn More](https://developer.mastercard.com/bill-pay-experience-design-guide/documentation/design/index.md)

### Moments that matter {#moments-that-matter}

Learn about the five key moments in the Bill Pay experience

[Learn More](https://developer.mastercard.com/bill-pay-experience-design-guide/documentation/moments-that-matter/index.md)

### Go to market materials {#go-to-market-materials}

Request the Bill Pay marketing playbook by reaching out to your Mastercard primary point of contact.

### The product {#the-product}

One of the many pain points for consumers is jumping between websites or juggling passwords to pay bills. Mastercard's Bill Pay product enables them to manage their bills all in one place saving time and hassle.

### Target audience {#target-audience}

Based on our research, we gathered information to help us shape our designs and highlight the demographics of Bill Pay's key user:

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**Age and lifestyle** : Bill Pay's key user is between the ages of 18-35 and could be less prosperous than their parents due to heavy college loans and other debt. To seek greater happiness and stronger financial independence, they are expected to switch careers thoughout their working years.

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**Behaviors** : The target audience is comfortable and familiar with digital banking and currently pay their bills online. They have 8 or more bills to pay each month and are sensitive to transaction fees and selective about which bills they pay automatically. On occasion, they may pay a bill late.

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**Pain points** : Our key user has several pain points, including: juggling or changing passwords, navigating clunky web portals and creditor websites, feeling anxiety about fraud, delayed payment delivery and keeping up with a long list of bills with varying due dates.

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**How Bill Pay helps**: Bill Pay provides an easy, trustworthy way to pay bills from the main screen or dashboard helping users save time, organize their bills and better manage their due dates and amounts.
![User persona](https://static.developer.mastercard.com/content/bill-pay-experience-design-guide/Images/design-standards/design-standards-landing-page-image-12.png)

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Next: [Design](https://developer.mastercard.com/bill-pay-experience-design-guide/documentation/design/index.md)