How To Choose Payment Gateway Integration For Your Mobile App

In 2020, mobile devices accounted for more than 45 per cent of all purchases on Black Friday. The figure is outstanding, as it is 10% higher than the previous year’s figures. As a result, it’s time to consider integrating a mobile payment system.

And, while customers have long recognized the advantages that mobile devices give, many merchants are unaware that the device can be the simplest payment solution, successfully replacing the cash register, banking terminal, and analytics systems.

Of course, you should learn enough about how to interact with payment gateways… but don’t worry, we’ll go over it thoroughly!

What Is A Mobile Payment Gateway?

Payment gateways are services supplied by third-party companies that have been allowed by the banking system to store, process, and complete electronic payment transactions.

PayPal and Stripe, for example, provide their services to merchants to be linked with their stores or services and process payments on their behalf for a charge or a percentage of each transaction.

For end customers, online payments take only a few seconds, but the process involves a complicated sequence of activities and adherence to a number of rules. It is critical to recognize that not everyone is permitted to handle finances and collect billing information.

As a result, the gateway is an approved service that performs electronic transactions on behalf of numerous suppliers using its own infrastructure. The terminals used for payment authorization are the closest analogy.

Mobile payment gateways take complete responsibility for transmitting data to financial institutions, tracking transaction status, and assuring client and merchant security. Clients send billing information to the online payment system rather than to individual businesses, and merchants are not responsible for storing or processing credit card data.

All of the data is stored and managed by a dependable system that meets the needs of all parties concerned.

So far, ready-made gateways are seen to be the greatest solution. It’s worth noting that incorporating them into the mobile app is rather simple. They typically provide free and open-source Software Development Kits (SDKs) together with explicit instructions, code examples, and all essential development tools.

In a nutshell, a gateway is a service that connects clients and merchants to make financial transactions easier. It only takes a few seconds to complete the process:

  • The customer adds items to the shopping cart, which is linked to the payment gateway.
  • It enables the merchant to input payment data.
  • The payment gateway sends a request to the card-issuing bank when the customer completes the checkout process.
  • The bank confirms the transaction if everything went smoothly.

5 Questions to Ask When Choosing A Mobile Payment Gateway.

Who do you want to reach out to?

Some payment channels may be available in the countries where your app’s customers reside. Make sure a mobile payment gateway provider will function in your target locations before choosing one.

XYZ, for example, is available in 25 countries, whereas PayPal is available in over 200. Also, some payment gateways, such as TSYS in the United Kingdom and PayPal in the United States, maybe more popular in specific nations.

Important note: If your company is international, check sure your payment gateway supports multi-currency transactions.

What types of payment do your app’s customers prefer?

Different payment methods are supported by different mobile payment gateways. Before you add a payment gateway to your mobile app, find out what payment options your customers prefer. 40 per cent of mobile app consumers think apps with many payment options give them more confidence.

Well, a mobile store with only one payment method that you’ve never heard of appears fishy, doesn’t it?

In addition, in our earlier article, we discussed which payment methods are offered by five main payment gateway companies.

How much does it set you back?

Fees are charged per transaction by all payment gateways. The fees for most payment gateways are roughly 2.9 per cent + $0.30. (Stripe, Amazon Pay, PayPal, Authorize Net). Some payment gateways may levy greater charges.

Monthly fees, as well as setup costs, may be charged by payment gateways.

Is the payment gateway for mobile devices scalable and customizable?

When it comes to mobile application payment gateway integration, it’s critical to plan ahead if your company is growing. Before integrating recurring payments into a mobile app, make sure your mobile payment gateway provider provides ample customization options.

Is it protected by security certificates?

You must ensure that your mobile payment gateway provider is trustworthy when it comes to sensitive data (such as credit card information). More than 80% of clients feel more secure when they see secure payment alternatives on the website.

You should consider safeguarding payment data with additional database software when choosing a payment gateway.

How Do I Add a Payment Gateway to My App?

Many industries have been impacted by technological advancements, and m-commerce is no exception. But, before we talk about payments industry innovation, let’s take a look at what your selling product is.

It’s significant since in-app transactions are handled by App Store and Google Play, which are both payment processors. Large technology companies (Facebook, War gaming, and so on) also have their own billing systems.

In all other circumstances (for example, when it comes to electronic payments for physical items), a middleman should be considered. Payment gateways can act as this middleman.

In general, the task can be completed in a variety of methods, with the following two being the most popular:

  • when you ask the user to input his card data, you conduct the payment procedure immediately within your mobile application;
  • The user is transferred to the service of the middleman, which is able to receive payments. This system is in charge of processing the user’s personal information (payment information), which you will get in encrypted form. So you may rest assured that everything went smoothly (the user’s order was paid in full).

When discussing these choices, it’s important to remember that PCI-DSS compliance is required.

PCI-DSS is a set of security standards that any application must adhere to in order to be considered trustworthy. That’s why the safest software is the one we outlined in the second situation when you’re moving your customer to another programmer so he can make his card payments (and protecting user information isn’t a worry).

If, on the other hand, your app includes a checkout step (when the user is asked to submit their credit card information), the requirements increase dramatically. You must ensure that your service is resistant to all types of hacker attacks, ensuring the security of user data.

Each middleman has its own data processing procedure and various terms for working with a client (including you!). It’s also up to you to choose whatever type of app payment gateway you want. Of course, this is a critical issue because a dependable service will assist you in avoiding a slew of issues related to obtaining the PCI-DSS certificate (believe us, the whole process can be very time-consuming).

Furthermore, most of them allow you to establish attractive payment methods, which will help you design your app more attractively. Last but not least, the appealing programmer appearance has a favorable impact on your app’s popularity.

How much does it cost to integrate a mobile payment gateway?

The cost of integrating a payment gateway into a mobile application is determined by the project’s complexity, the time required for integration, and the developer’s fee.

In order to include a payment gateway in your app, you may need to provide both basic and complex functionalities. For instance, a database for storing credit card information, refund management modules, or channels for connecting banks to your mobile app and clients.

You have two choices: hire a professional web developer or engage with a web development firm. Working with an agency is more expensive, but you receive more than just coding: testing, project management, and recommendations based on previous payment gateway integration expertise.


By 2022, the global volume of mobile payments will have surpassed one trillion dollars. Buyers and businesses currently have all of the tools they need to turn their smartphones into a common device for processing electronic payments for tangible items. If you’re ready to join the trend, keep these things in mind:

  • determine the payment method;
  • choose the service with the optimum quality-to-cost ratio;
  • Contact your service provider to obtain the resources needed to integrate the payment gateway into your iOS (or Android) app.
  • find programmers to implement the tools that have been supplied. Your contractors will have no trouble bringing your idea to life if you use a dependable developer-friendly payment method.
  • Customers should be informed about their payment choices.

During the construction of a Mobile Payment Gateway, we always use the approaches that are best for the customer. We know what should be prioritized and what considerations should be taken into account.

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