Mobile App Payment Gateway Integration
The goal of most of the applications is to earn money to their owners. And if you are doing mobile commerce, you are interested in the matter of efficient and safe payment gateway integrations. Fortunately, we can cover this issue for you!
How to integrate payment gateway in Android and iOS applications
First, you need to decide what type of purchases are involved. If we are talking about in-app purchases, the problem of payment processing can be solved rather simply: AppStore and Google Play services come to the aid. However, in addition to digital goods, there are physical products or subscription offers, and they should be discussed in more detail.
In this case, you will need an intermediary, namely - payment gateways.
In general, this task can be implemented in different ways, the most popular of which are the following two options:
- the implementation of the payment process directly within your mobile application, when you ask the user to input his card details;
- the user transfer to the intermediary's service which can accept payments. Then you'll get the encrypted payment information to be sure that the user's order has been fully paid.
It is very important to remember the need for a PCI-DSS compliant. PCI-DSS is a set of security rules that each application must strictly follow to be considered reliable. For example, the safest app is the second case we’ve described, when you're transferring a user to another program so that he can make his card payments. But if your app contains a payment form where the user inputs his card details, the requirements for your service are significantly increased. You must ensure that your app is immune to all sorts of hacker attacks, which means that the user data is secure.
Each intermediary has its own method of processing data and different conditions for cooperation with a client (that is you!). And it's for you to decide what kind of app payment gateway to prefer. Of course, this is an important issue, because a reliable service will help you to avoid a number of troubles associated with obtaining the PCI-DSS certificate (believe us, this process can be very time-consuming). Besides, most of them offer the opportunity to create attractive forms of payment that will aid you to design your app really nicely. This factor also matters, given that the appealing program appearance positively affects your app popularity.
We guess you are interested in how to implement payment gateway in the Android application (or in the iOS app), right?. Let's consider each case separately.
Most popular mobile app payment gateways
So, what are the most popular payment gateways for today?
Undoubtedly, PayPal payments are very popular, and the brand itself is one of the market leaders. The name “PayPal” is widely heard, even among those who have not dealt with electronic payments yet... this alone indicates the high status of the brand! And this status is deserved: PayPal is available almost all over the world and accepts payments in a variety of currencies (about 26 types!). The result is obvious: the service successfully processes 5-10 million payments every day, and this number, characterizing the multitude of PayPal clients, keeps growing. Not so bad, right?
PayPal is rightly proud of its reputation as a reliable gateway services provider that offers its customers many useful features. Among these useful features, one can list receiving checks through your phone's camera and support for split payments. Besides, it gives a very simple way of invoicing and provides convenient reporting features to control your financial business practice. Leaders such as Google Play, eBay, and Telstra believe in the reliability of PayPal and are willing to use its services. Well, they’ve made a good choice, and we are fain to acknowledge that PayPal grants excellent payment solutions.
Of course, PayPal requires payment for its services, charging about 2.9%+30 cents for every successful transmission. However, this rate may decrease if you process more than $ 30,000 per month.
Here, PayPal system explains how to integrate payment gateway in Android/ iOS applications. You'll see the code needed for adding the PayPal button.
Stripe is another popular payment gateway provider that supports more than 100 types of currencies (and even deals with the Bitcoin system!). It has been created taking into account the real needs of developers so that they could easily manage the APIs and customize a payment gateway for mobile apps. This has become an important competitive advantage of Stripe.
The payment gateway integration in iOS, © Stripe.com
Stripe has one more significant excellence that distinguishes it from other mobile payment systems (PayPal, for example), namely: the ability to transfer data of the credit card to a new payment gateway you have chosen. Moreover, it supports Apple/Android Pay, recurring billing and can integrate Social media payments. And, if desired, you’re able to organize the proper monthly reporting on your financial practice.
Of course, let's not forget about the rate that is 2.9% + 30 cents per each successful transmission. Alas, you cannot avoid spending money…
Nevertheless, by choosing these payment gateway services, you will undoubtedly save yourself from the unnecessary trouble.
The mobile payment gateway for Android, © Stripe.com
By the way, Twitter and Facebook have chosen Stripe too! It says a lot, doesn't it? If you’re impressed and want to know how to add this payment gateway in the Android app, feel free to look at the full guide that includes all the necessary details on the matter. As for integrating payment gateway in iOS app, this pages will help you.
Braintree belongs to the PayPal company (it’s been brought in 2013) and rightfully remains one of the best mobile app payment gateways. It provides a complex multifunctional service covering more than 40 countries all over the world. Among its clients, you will find a lot of famous brands, for example, Airbnb, Uber, and Casper.
Braintree has such advantages as a fast processing of credit card payments (2 days instead of the usual 7 that Stripe offers), an easy payment system (only a few clicks are required!), the most effective security service that protects against all types of fraud, etc.
Developers especially like Braintree, for it supports six programming languages and allows to carry out the payment gateway integration in a mobile application in the shortest time. Of course, the less effort is spent, the better!
Braintree’s rate is 2.9% + 30 cents per each successful transmission (when the first $50,000 has been processed).
Visit this page to know all the details including those that explain the payment gateway integration.
We have listed the largest players in the market, but there are other options - lesser known, but also reliable, with good payment capabilities. For example:
- Dwolla that has a great many excellent features, such as the possibility to process thousands of mobile payments at the same time. Dwolla takes only $0.25 per transaction if it is more than $10 (or nothing at all if the sum is less than $10).
- EziDebit is very useful for both small businesses and large companies and offers a really clear and transparent payment solution. It is aimed at simplifying the process of the mobile commerce and does not have a fixed pricing system, the price depends on the services that have been provided.
- Zooz is famous for its user-friendly interface and fast transactions. In addition, this service has taken care of both consumers and developers so that they could spend minimum time for app payment gateway integration.
Factors to be taken into account
By implementing payment gateway, you need to consider some important factors to ensure that the result justifies your expectations.
#1. The payment page should be an integral part of the application
When creating the payment services page, follow your application design. Payment forms customized for other app screens are better perceived by a user.
#2. One should take into account the differences between mobile devices and desktops
A developer must understand not only psychology but also the physiology of the buyer: when a person holds a smartphone in one hand, he should be able to operate his mobile device with just a thumb. Therefore, when integrating online payment system, consider this factor. A payment page should be simplified as much as possible.
#3. Do not overload
You also need to think about how to create a mobile payment app that works really fast. Yes, app download speed matters a good deal. If the payment screen is too "heavy", the user can lose his patience and leave your program by choosing another resource.
#4. Give the buyer the necessary payment information
Do not forget to inform a user about the payment processing stage, as the process of its verification and authorization takes time.
In case of an error during the mobile app payment, explain to the shopper its reasons, whether it is an incorrectly filled payment form, lack of funds on the card, or any other problem. In addition, it is also advisable to recommend ways to solve it: you can offer the user to choose another payment method, try to pay later, contact support, etc.
#5. Security information is really important
Today almost every smartphone is a storehouse of vital data about its owner. Actually, that's why the PCI-DSS standard has been created. Indicate the information that proves that you have taken care of the security problem and protected the details of your clients’ bank cards.
All of the above items will lead to the improved user experience.
As you can see there a lot of good options, so use a payment gateway that you find the best one. If you don’t know what to choose, contact us - we’re always happy to help.
In our work, during the mobile payment app development, we always resort to the methods optimal for the client. We know what should be paid attention first and which factors are important to consider. And now we are ready to help you to implement your specific task including all types of online payment integration.