---
title: "Payment Swap, case study"
url: "https://www.doddledesign.co.uk/work/payment-swap"
section: "Work"
description: "Payment Swap helps drivers find their next car by monthly payment, with digital finance approvals, a sub-20-minute collection flow and 100k+ cars listed across a 5-star Trustpilot-rated marketplace."
publisher: "Doddle"
---

Case study · Automotive / Fintech · Recent

# Payment Swap: the car, in twenty minutes.

Payment Swap helps drivers find their next car by monthly payment, with digital finance approvals, a sub-20-minute collection flow and 100k+ cars listed across a 5-star Trustpilot-rated marketplace.

![Payment Swap hero](https://www.doddledesign.co.uk/images/work/payment-swap/payment-swap-card.jpg)

Client

Payment Swap

Sector

Automotive / Fintech

Engagement

OutSystems Delivery

Duration

Concept to live beta on OutSystems

## Car buying without the haggle, the paperwork, or the wait.

Buying a car mid-term is a slow, fragmented process built on paperwork and negotiation. Payment Swap's thesis was simple - that doesn't have to be true. Match by monthly payment, approve finance digitally, collect the car the same day.

They needed a platform that wired together stock, finance approvals, and a consumer-grade buying experience, and that dealers and finance partners could plug into without friction.

100k+

cars for sale

20+

Finance partners integrated

5★

Star TrustPilot rating

![Change your car online with Payment Swap, the mid-term car-buying platform that matches drivers to vehicles by current monthly payment, with digital finance approvals and a sub-20-minute collection flow.](https://www.doddledesign.co.uk/images/work/payment-swap/payment-swap-hero-2.webp)

Change your car online with Payment Swap

## A mid-term car-buying marketplace on OutSystems.

**Match by monthly payment.** Drivers find a vehicle by what they're paying today, not by stock filters that don't map to their actual budget.

**Digital finance approvals.** Finance applications, approvals and contracting handled in the flow, with the major providers integrated upfront.

**Mobile-first consumer experience.** Built for the way people actually shop, phone in hand, on the bus, in the kitchen.

**Live dealer stock.** Dealers upload directly. Stock stays current without manual sync.

**Finance partners integrated.** Northridge Finance, DSG Financial Services and Aviva wired in to support the originations flow.

**Sub-20-minute collection.** The platform exists for the moment after the click, the bit where most buying flows break down.

> “The experience from start to finish was fantastic, and the consumer website is one of a kind.”

Nigel FalkinerFounder & Sales Director, Payment Swap

![Change your car online with Payment Swap, the mid-term car-buying platform that matches drivers to vehicles by current monthly payment, with digital finance approvals and a sub-20-minute collection flow.](https://www.doddledesign.co.uk/images/work/payment-swap/payment-swap-hero.webp)

Change your car online with Payment Swap

## Concept to live beta on a low-code stack.

Payment Swap moved from concept to live beta on OutSystems, fast enough to test the model in market and iterate, structured enough to take on additional dealers and finance partners as the platform scales.

MarketplaceFintechAutomotiveOutSystems

More work

## Other things we've shipped.

[See all work →](https://www.doddledesign.co.uk/work)

![Finbridge Global card](https://www.doddledesign.co.uk/images/work/finbridge/finbridge-hero.webp)

OutSystems Migrations

Fintech

### Finbridge Global

Doddle helped Finbridge Global launch its fintech marketplace on OutSystems in 10 weeks, then re-platformed it onto a modern AI-native stack as the product scaled to 300+ organisations and supported £500k in investment.

![IGLU, PayWise card](https://www.doddledesign.co.uk/images/work/iglu/iglu-hero.webp)

OutSystems Delivery

Travel

### IGLU, PayWise

PayWise helped IGLU replace spreadsheet-heavy supplier payments with automated matching, clearer workflows and real-time cash visibility, processing over £350m in year one with an 84% auto-match rate.

![Eversholt Rail, OnTrack card](https://www.doddledesign.co.uk/images/work/eversholt-rail/eversholt-rail-card.jpg)

OutSystems Delivery

Rail / Asset management

### Eversholt Rail, OnTrack

OnTrack helped Eversholt Rail replace fragmented change request tools with one audit-ready portal covering 300 train units, built by two senior engineers in three months and now used as the single source of truth for fleet approvals.

## Building a marketplace in a regulated category?

Marketplaces with finance, regulation and partner integrations are exactly the shape we like. Tell us the model.

[hello@doddledesign.co.uk →](mailto:hello@doddledesign.co.uk)

[Let's talk](https://www.doddledesign.co.uk/contact)

## More from Doddle

- [Studio summary for agents](https://www.doddledesign.co.uk/llms.txt)
- [Full text of every page](https://www.doddledesign.co.uk/llms-full.txt)
- [How to work with Doddle as an agent](https://www.doddledesign.co.uk/agent-instructions.md)
- [Every page on the site](https://www.doddledesign.co.uk/sitemap.xml)
- [Talk to a human](https://www.doddledesign.co.uk/contact) or email hello@doddledesign.co.uk