The payments in mobile applications have become one of the most intense scenes of battle business in recent years.
In this article, I will explain the best ways to integrate payments into your mobile app, as well as what points you should keep in mind
Many financial entities, mobile phone manufacturers, e-commerce giants or mobile phone operators are launching solutions or seeking agreements with other players to take over a part of the business. It is a sector full of possibilities, and therefore, below we will see the most interesting options to incorporate paid payments in a mobile app, reviewing the pros and cons of each one of them.
Integrated in the application
It is one of the most popular options, the integration of payments in the application itself. In this case, the application will make use of libraries, mostly provided by the payment platforms themselves, with which you can interact and carry out the different operations that you want to integrate related to payments.
• UX / UI: by integrating the payment logic in the application itself, the responsibility of respecting the interface and the application experience remains with the application development team. That is, the entire payment process or any interaction that your application must have with the payment platform will be able to maintain the design patterns and usability of the application.
Points to consider:
• Complexity: by directly managing the development of the payment components in the app code, a slight increase in development complexity is generated, although this also provides more control over the payment system.
• Stripe: It is a very popular US company among developers. It has a great documentation and allows to do any type of operation related to payments that can be made in an application. Both single and recurring payments, subscription management, transfers between accounts and a long etcetera. It has two types of rates, the integrated one that has a 1.4% + 0.25 € commission per transaction (be careful, this figure could vary, so I recommend you consult it directly on its website) and the personalized one, which according to different parameters of your company, as sales volume, they will offer you a personalized commission.
• Redsys: if you go to your bank to request a Virtual Post integrate it into your mobile application, they will most likely offer you an integration with Redsys. The documentation is more than correct and the integration of the different forms of payment of your application is left more to the account of the app developer. The commissions in this case vary according to the bank with which you contract said service.
The integration of webviews allows us to visualize a web page without the need to exit the application. The operation is simple: the application runs a browser, lighter than a conventional one, integrated into the device and redirects us to the page required by the app. In our case, the webview will redirect us to a payment gateway where at the end of the payment, it will return us to the application along with the necessary information so that the application knows if the transaction has been carried out or if on the contrary it has failed.
• Ease, everything integrated: the redirection is made to an external page (embedded in the app), with the entire payment process, normally, already programmed by the payment platform. Our application must simply send you the information of the order to be processed and receive the response from the platform.
Points to consider
• Redirection to an external page: adding functionalities outside the application creates dependencies in the application, which are beyond our control and may cause our application to have incidents one day due to technical issues of the external platform.
• UX / UI: as a general rule, these webviews the only thing they allow us to modify is the logo and little else. So, we add a dissonant element to our application, which does not respect our lines of design or experience.
• Paypal: possibly the most veteran and consolidated option on the market. It has many functionalities that it handles automatically, such as recurring payments or one-time payments. Your fee is 4% per transaction today.
• In addition, both Redsys and Stripe, already mentioned in the previous section, also have the option of being integrated using this technique.
Google pay, Apple Pay and Samsung Pay
You probably use your phone for everything: texting, playing games, shopping, etc. But how about replacing your wallet with the phone? This is what services such as Apple Pay, Samsung Pay or Google Pay promise, since they allow you to use your credit or debit card without having to take the physical card itself.
• Payment with a button: to make payments with these services, we will simply have to do it by integrating a button that will open some internal functionalities of the device and proceed to payment.
• Security: payment is made through a token generated from the card and not with the card data itself. In addition, to use it you must enter a pin or fingerprint.
Points to consider
• Limited to the device you use: the use of this payment method is limited by the device the user uses, for example, Apple Pay can only be used by Apple users, just like Samsung Pay who can only use it. use Samsung users.