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Online shopping has become a necessary part of our day-to-day life. In this modern era, online payment is a must-have feature for modern customers. This can be done with the help of payment gateways in e-commerce applications with just a few clicks.  So in this way, users can make their payments in e-commerce apps to make use of many services. Read this blog to know more about ways to payment gateway integration in mobile apps.

The feature of integrating a payment gateway with the help of a mobile app development company in USA or other countries not only benefits the users but also the online merchants.

With a couple of clicks, users can purchase items from the e-commerce site, make bill payments, reserve tickets, and many more. As stated by the BI Intelligence Report, the e-commerce mobile payment market has reached nearly $503 billion by the year 2020. So, it is no wonder that these e-commerce sites have come a long way and become a part of our lives.


As smartphones play a vital role in this era, online purchasing has now become a necessary part of the users. The essential part of the online transaction is the payment of goods from e-commerce sites. With the help of payment gateways integration, online transactions can be done easily and securely.

Now, there is another question such as how to add this payment gateway integration in mobile applications? If you are interested in understanding this integrating process, then you are in the correct place to explore it. This article talks about how the process of payment gateways integration in mobile applications works and is vital to the working of the same.

Mobile Payment Gateway Integration ‚Äď What Is It?

Mobile Payment Gateway is simply a service that helps in purchasing goods for users via mobile applications. It is simply a mediator between the customer and the payment processor (e.g. financial institutions, say banks) in the online transaction. But, is a mediator required for these transactions? Yes. Direct interaction between mobile apps and payment processors is banned due to security issues.

In other terms, a mobile payment gateway is similar to a digital fund transfer which helps mobile users to make their transactions safely and quickly. But, how are these online transactions made secure? The sensitive data is encrypted (e.g. РPIN) thus, making online transactions secure. So, this mobile payment gateway integration mainly favors the business by not taking responsibility for keeping the data secure.

How Does The Whole Online Transaction Process Take Place?

  1. It begins with customers selecting the things they need to purchase, moving them to the cart for initiating the purchase.
  2. This triggers the merchants to enter into payment options and simultaneously when the customers click checkout, that is where the payment gateway enters.
  3. This gateway now sends the request to the bank where the card is issued and waits for confirmation.
  4. As the final step, if everything goes right, the bank confirms the customer’s transaction.
  5. Thus, a successful transaction is made safely and securely by the customers with just a couple of clicks.

Now, you might want to know the advantages of these payment gateways integration for an easy online transaction.

Advantages of Mobile Payment Gateway Integration

As per some statistics reports, it is said that Play Store and Apple Store have offered around 2.56 million and 1.85 million apps during the first quarter of 2020 for consumers. Apart from selling goods, monetization can be done in some additional ways for using mobile apps, advertisements, in-app purchases, etc.

So, a fintech app development company in the USA should bring out great solutions for accepting payments and also ways to add a payment gateway in the mobile apps. With this, it is also necessary not to just focus on only the practical side, but also on ways to make it simple, secure, and fast.

mobile app ctaas

The reasons to add the mobile payment gateway during the on-demand app development process are as follows:

1. Consumer Benefits

Mobile payments are more convenient these days. They can pay for and purchase the goods wherever and whenever. It offers variable payment modes, with the utmost security level and ease of payment. Even, the consumers may enjoy all the latest deals in a quick and easy way.

2. Quick Transactions

The payment gateway plays the role of an automated process that makes the transactions convenient and also quick. Payment gateways with PCI compliance ease consumers with the ability to save the details of their credit/debit cards and so on. So that it is not necessary for the consumers to fill in the data each time when they do their payments.

3. Cost Savings

Operating expenses may be reduced because of the service providers. This helps the organization to save resources and time efficiently. Moreover, choosing the right gateway makes a path even for international transactions.

What is Mobile Wallet App

It gets overwhelming sometimes when we try to find the best e-wallet app development company for our on-demand app development needs. The Mobile Wallet App is a digital app that is used for storing card information on your mobile. It is a more convenient way to make online transactions.


Now, let us discuss the steps regarding how to create a mobile wallet application.

1. Design

First, find out how the audience manages payments and find out the problems they face. Based on this, create a prototype that must be a clickable version.

2. Development of Mobile Wallet

Once you complete your prototype, a virtual version of it is developed. Now, it is time to build your digital wallet. Make sure to check for some factors before proceeding with the development stage like security, use of third-party components, back-office apps, the open architecture, and so on.

3. Testing Phase

Testing is the third step regarding how to create a mobile wallet app. Here, you can hire a qualified development partner or security agency to go through the testing phase.

4. Final Release

Once you have completed the above steps, now you are ready to release your mobile wallet. Before releasing it to the public. kindly ensure that your app must adhere to either Google Play or Apple store’s guidelines.

How to build an online payment app like PayPal?

Ways To Choose A Mobile Payment Gateway Integration

There are certain points that any Android, iOS, or hybrid app development company must know before you choose your mobile payment gateway.

1. Know Your Target Audience

The foremost thing you should know before selecting your payment gateway provider is the target locations. Some providers may not be in many countries and some gateway providers may be popular around the globe. So, it is a must to know your target audience.

2. Payment Methods That Users Prefer

Before adding a payment gateway integration to your mobile app, make sure to know about the user’s preference because different payment methods are supported by different payment gateways. Even research says that more than 40% of mobile app customers prefer more than one payment option for their transactions.

3. Cost

A considerable amount of fees are collected by all payment gateways. Some gateways collect higher fees and some others charge monthly fees and setup fees per transaction. During on-demand app development procedures, these payment gateways can be integrated.

4. Security Certificates

A mobile payment gateway must be trustworthy when it comes to vulnerable data. By including database software, the securing of payment data is accomplished and this is one of the major factors that you should check for while choosing payment gateways.

5. Customized Options

Make sure whether your gateway provider such as an iOS or Android application development company has offered you a customizable environment before integrating the recurring payment in your mobile app. It is mandatory to check for this infrastructure as it plays a vital role in the growth of the business.

How to integrate a payment gateway in a mobile app

How To Integrate Mobile Payment Gateway In A Mobile Application?

There are certain steps that have to be done for payment gateway integration into your mobile apps.

1. Make Decisions

If you wish to integrate mobile payments with your clients, first try to decide which purchasing options (credit cards, Gpay, Apple Pay, etc.) you are offering them. So, prioritization of consumer preferences and usage plays a key role.

2. Look For Reference

Make sure to look for some other service providers (mobile app development companies in the USA) as a reference to explore how to add payment gateways.

3. Developers’ Acquaintance

Ensure that the fintech developers are well acquainted with the given SDK’s which helps to look out for the technical needs for the project development. The requirements will vary depending on platform specifications and its frameworks. Opt for help from developer payment sites and follow their guidelines to handle the payment gateway integration in a few steps.

With this, you can look for sample codes, guidelines, and all the comprehensive libraries which are to be included in both clients, as well as server-side compliance.

4. Set A Team

Now, try to get in touch with the provider of your choice. You can opt for a React Native app development company. Feel free to discuss the partnership details and your ideas regarding the integration. Try to ask as many questions as you can to gain the utmost idea of the process. It is also good to have a team of business analysts and developers involved in the complete process.

5. Executing The Legal Part

Prior to the development stage, executing the legal part is the most important stage in the process. An agreement that covers the conditions, durations, the plans that are agreed, the fees, and so on must be executed between the entities.

By completing the above steps, it is now in the hands of the development team to start integrating the gateway process. However, the general steps for the integration look like below.

6. Integrating Client SDK’s& Server SDK’s

Software Development Kit (SDK) is a set of programs and tools used mainly to create applications. These applications are created on specific platforms. SDK’s are used to collect and handle the payment data in the case of a payment gateway in your app. Every provider offers its own SDK kit which can be found on its official websites.

It can now be used by developers to connect with already existing application functionality. If you want to know about the mobile SDK integration, you can check it on the provider whom you choose.

7. Connecting To Gateway API

This API is responsible for handling the transaction which is going on between the seller and the customer. It also performs several tasks like encrypting the customer’s data, performing an authorization process in terms of the payment request, and finally confirming the purchases. This API also helps in providing a seamless customer experience when it comes to online shopping.

8. Certification

Once you have integrated your payment gateway with a specific API, your server is now ready to process the payment details. For doing this, you have to make sure that you must be a certified merchant for more reliability. By completing the Self-Assessment questionnaire (level D) your system security should be proved as per the PCI-DSS standard.

Also, with the help of third-party apps, integration with gateway providers can be done without any prior programming knowledge.

How NFC Apps Revolutionize the Payment Systems

How Much Will Be The Cost of Mobile Payment Gateway Integration?

According to the basic and advanced features that are included in your app, the cost of app development can be calculated at ease. For example, what is the complexity of your project, what is the time required for your integration process, and so on?

The cost may vary according to the functionalities you opt for. If you need to go for basic functionalities which are accepting or denying payments, then the cost will be calculated in terms of it.

If you opt for some extra functionality such as storing the card details so that the customers need not fill in the form again and again for the next purchases, the cost will be calculated accordingly. Also, the cost mainly depends upon the location you use.

Also, for example, if you wish to hire an experienced professional, they need a maximum of 40 hours to complete their tasks and the cost for this will be calculated on an hourly basis. If you do not wish to hire a mobile app developer, instead go for a development company, then the cost will be a bit high.

Features Mobile Wallet Application

Also, according to the developer’s skill, it varies. Most European and American customers wish to outsource to the Eastern European side.  According to Skill Value, 2019 statistics, out of five capable dev’s four of them were from Eastern Europe. (Please note that this is the cost of integration and not the cost of app development).

Thus, the cost for integration depends upon the features you choose for. The cost will be somewhat less when it comes to basic features and higher when you add up additional features to your app.

It is a must to find a trusted mobile application development company or even an iPhone app development services company when planning to develop mobile apps. Also, the developer or a company you choose must excel in building feature-rich and valuable mobile app development services.


Digital and online payment drives online business these days. Whether you are an owner of e-commerce business or whatever business (tour or travel or hotel), it is necessary to have a payment gateway in your mobile app. You have to be very careful while you are choosing the payment gateway for your business. When chosen carefully, mobile payment gateways offer quite a seamless experience to the sellers and buyers (for their business growth).