integrating a payment gateway

9 Things To Consider Integrating A Payment Gateway Into Your Mobile App

With the use of mobile phones and different applications, people now look forward to making payments to various vendors. If you want to develop an eCommerce financial app, it is quite important to integrate a payment gateway to generate more sales and improve the user experience. As per the statistics around 73% of total mobile phone users made a purchase and payment through their mobile devices.

Also, every 1 out of 5 customers does not stay long on the app while making the purchase if the checkout process is too complicated. But to integrate a mobile payment gateway into your application, you need to ensure that it works properly and you follow certain points. In this blog, you will find some important points to consider.

What is a Mobile Payment Gateway?

A mobile payment gateway integration software is a tool or process that allows merchants and buyers to perform transactions on their applications without any complexities. Users can accept online payments by using a mobile gateway to their application.

Some of the important participants involved in the payment process through the payment gateway are the following:

The issuing bank: checks whether the buyer has the minimum required balance to make a purchase or not.

The merchant bank: checks whether the merchant has received the payment or not.

An international payment system that checks if someone is doing valid international transactions or not. Based on this it accepts and rejects the transactions.

You can enable the payment gateway and allow your customers to make payments through debit cards, credit cards, bank transfers, local pay, or wallets.

Some of the Popular Payment Gateway Providers are as Follows:

It is one of the best-known payment services which is quite easy to integrate and secure. It is used in more than 200 countries. PayPal is responsible to record all the transactions and help you to use monitoring invoices to ensure that your payments are sent at the right time.

Stripe is currently available in only 46 countries. Users can use it to manage their online payments and make global payments. As per the official documentation, it supports over 135 currencies and multiple payment methods such as subscription billing, one-click checkout, and mobile payments.

It is quite the oldest payment gateway among all others. It has listed over 430k merchants in different countries like Europe, the UK, Canada, and the USA. As per the statistics, it has managed over 1 million transactions every year. Also, it has partnered with the most popular companies that offer merchant accounts to accept payments from debit cards, credit cards, and much more.

Top 9 Points to Consider while Integrating the Payment Gateway into your Application

1. Understand your Market

It is quite important to understand your market needs and how mobile application payments work at certain places. For example, in the USA people like to use their credit card or debit card on payment gateways to make payments whereas people in Canada make use of their bank account or bank card to make payments. It depends on the geographical locations and their rules and regulations regarding finances. Based on these two factors you can do research and choose the correct payment gateway for your solution.

2. User Interface Customization

Based on the payment tool that you want to integrate, you can modify the interface. While you design a user interface for making the payment services, ensure that the design is easy to understand. Also, it should look quite organic and harmonious. In short, you need to choose a payment gateway that allows you to make improvements to the interface. For example, you can re-design the payment forms so people can use them without any technical understanding.

3. Look for the Extra Features

There could be some extra features that you could integrate with your application. For example, nowadays cryptocurrencies like bitcoin are quite famous. Hence you could add some additional features like allowing people to make payments using cryptocurrencies. But for this it is quite necessary that you take all the legal details into account, so you don’t face any issue.

4. Ensure that all the Security Measures are Taken Properly

Since people would be using their credit cards, or debit cards to make payments. Hence it is required to ensure that you do a complete security audit before you finalize the payment app. Some of the security standards like PCI-DSS should be properly followed. This standard is specifically created to ensure that all financial apps are created with complete care of security issues.

5. Provide all the Information of the Buyers

For every step, it is quite important that you provide all the complete details about the payment process. Also, ensure that you communicate all the details about the authorization and verification that might take some time. So, while you choose a mobile application payment gateway, do a complete search on how they share all the information with the user. Based on that you can integrate contact support, try to pay later, and choose another payment gateway choice if users are not able to pay.

6. Consider the Reputation of all the Payment Gateways Companies

For any company, their reputation is quite essential because that tells you how their product is doing in the market. Some of the factors that you can consider while choosing a company are as follows.

  • How old is the company in the market?
  • What the reviews and feedbacks from different clients of the company
  • Are there any famous or big clients of payment gateway that you want to integrate?

7. What Products do you want to Sell

If you want to sell any physical products or services, it is quite beneficial to integrate some of the payment processors like MasterCard, Visa, PayPal, or Stripe. But in case you want to sell digital goods then all your transactions can easily happen through either google play store or the App store. All the transactions would be created using the Apple ID or Gmail. For more details, you can try discussing it with the iOS app development company. 

8. Should be Easy to Integrate

Integrating a payment gateway should be quite easy and take less time for developers. While you choose a payment gateway, consider its SDK size also. Ideally, it should use less space on the users’ mobile phones. Also, they should support the coding platform and the framework that you use to develop the application. 

9. Kind of Merchant Account

There are a lot of merchant accounts available that help and cater to your business’s needs. The two most used Merchant accounts are aggregated seller accounts and dedicated seller accounts. Both of them have their own limitations and advantages. If you want to use a faster fund process and get more control over the finances then a dedicated seller account will fulfill those needs. But when it comes to cost, it charges more money to get the dedicated seller’s account.

How to Integrate a Mobile Payment Gateway into your Application?

It is quite important that you read about all the specific details that are needed to know to integrate their payment gateway to the mobile application. Some of the steps that you need to follow are given below.

Step 1: Understand and Integrate the Server-side and client-side SDK

SDK is the software development kit that consists of a variety of tools and software products that you can use to design your application. Most of the SDKs are platform related which allows users to integrate the safe payment mechanism and data sharing. All the details about the SDK are given in their official documentation. Before you start integrating, read all the resources so you don’t make any mistakes.

Step 2: Use the API and connect with the payment gateway

Most of the mobile payments gateway integration services offer an API that you can facilitate to build the application checkout system. This system will take all the necessary actions while there is any transaction between the buyer and the seller. Some of the common tasks that it will do are encrypting the data of card users, authorizing the payments, and confirming the transactions. 

Step 3: Apply for the certification

Once you have integrated the payment gateway to your mobile application, then it will be using a special API to serve all the payment requests. To process that you need to become a certified merchant and ensure that all the payment data is protected. If you follow the PCI-DSS standard, you need to validate your application security by filling out certain Assessment forms of Level D. 


There are a lot of payment gateways available and due to this reason, it becomes quite confusing to choose the right payment gateway that fulfills your need. If you are not sure how to choose the right payment gateway then you should try getting some consultation from the top iOS app development experts. They will guide you at every step required to integrate a payment gateway.

Image Credit: Pexels; Thank you!

Albert Smith

Albert Smith is Digital Marketing Manager at Hidden Brains, a leading mobile app development company specializing in Android, iOS, Swift and cross-platform app development. He provides innovative ways to help tech companies, startups and large enterprises build their brand.

9 Things to Consider When Integrating a Payment Gateway Into Your Mobile App