Card on File Hub
Designing a unified platform for managing stored payment credentials across merchants and subscriptions.
Senior Director of Design | Capital One | 2026
The Problem
Customers increasingly rely on stored payment credentials for subscriptions, online services, and recurring transactions.
However, most financial platforms provide limited visibility into where cards are stored and how they are being used.
This creates challenges including:
difficulty managing subscriptions
outdated payment credentials across services
limited control over recurring payments
Customers lacked a centralized way to understand and manage their stored payment relationships.
My Role
I led the design vision for a centralized Card on File Hub that would allow customers to manage stored payment credentials across their digital ecosystem.
Responsibilities included:
defining the experience strategy for the hub
aligning product and engineering teams around platform direction
guiding concept development and design exploration
identifying integration points across internal systems
The Strategy
Rather than treating stored cards as isolated credentials, we designed the hub as a relationship management system between customers and merchants.
This approach allowed customers to:
view where their cards are stored
update payment credentials across services
monitor recurring transactions
manage subscriptions more effectively
Key Decisions
Merchant Relationship Model
The experience was organized around merchant relationships rather than individual transactions.
Centralized Credential Management
Customers could update card information across multiple services through a single interface.
Payment Insights
Customers could update card information across multiple services through a single interface.
Execution
Execution required coordination across product teams responsible for card management, billing infrastructure, and digital experiences.
Key activities included:
aligning cross-team architecture for card credential management
developing experience concepts for subscription management
integrating platform capabilities with existing financial products
Leadership Impact
The Card on File Hub established a foundation for improving transparency and control around recurring payments.
It also created opportunities for future innovation in subscription management and digital payment ecosystems.
Leadership Reflection
As digital commerce evolves, managing payment relationships becomes increasingly important.
Designing platforms that give customers greater transparency and control over these relationships will become a key differentiator for financial institutions.