Smoother Payments in Your App: The Easy Guide To Mobile App Payment Gateway Integration




May 17, 2024

Mobile app Payment gateway integration

From Pennies to Progress: How Mobile App Payment Gateway Integration Are Changing the Game

Cash may be king, but it’s slowly losing its crown. Did you know over 6 billion people worldwide have used mobile payments in 2024? This trend is only accelerating, and with the right tools, your mobile app can be at the forefront of this financial revolution. 

The rise of mobile payments isn’t just about convenience. Studies show digital wallets are predicted to be the fastest-growing payment method globally. A payment gateway API integration allows your app to tap into this massive shift and offer a frictionless user experience that keeps them coming back for more.

So, let’s get to know more!

What Is A Payment Gateway?

A payment gateway acts as a secure intermediary between a customer, a merchant, and the financial institutions involved in a transaction. It essentially handles the transfer of payment information between these parties.

Here’s a breakdown of its role:

  • Provides a payment portal: This is the interface you see on a website or app where you enter your credit card details or choose a payment method during checkout.
  • Encrypts data: Payment gateways use encryption to scramble your sensitive financial information, making it unreadable during transmission. This helps protect your data from fraud.
  • Verifies transactions: The gateway communicates with the issuing bank (the bank that issued the customer’s credit card) to verify the customer’s details and available funds.
  • Transfers funds: Once approved, the gateway securely transfers the funds from the customer’s account to the merchant’s account.
  • Fraud prevention: Many gateways incorporate fraud prevention measures to identify and block suspicious transactions.

Why Do Businesses Need a Mobile App Payment Gateway Integration?

mobile app integration with payment gateway

There are several reasons why businesses would need a mobile app payment gateway integration:

  • Convenience for Customers: Mobile payment gateways allow customers to pay for in-app purchases quickly and easily, without having to leave the app. This can lead to a more positive user experience and increased sales.
  • Security: Payment gateways use security protocols and encryption to protect customer data, which helps to reduce the risk of fraud.
  • Multiple Payment Methods: Many payment gateways support a variety of payment methods, such as credit cards, debit cards, digital wallets, and even UPI (India). This gives customers more flexibility in how they choose to pay.
  • Recurring Billing: Payment gateways can be used to set up recurring billing for subscription services. This can help to increase revenue and customer lifetime value.
  • Growth and Scalability: Mobile payment gateways can help businesses to grow and scale their operations. They can handle a large volume of transactions and can be integrated with other business systems.

Overall, mobile app payment gateway integration offers a number of benefits for both businesses and customers. They can help to improve the user experience, increase sales, and reduce fraud.

Choosing the Right Payment Gateway for Your Mobile App

payment gateway for mobile apps

Features to Look for With Your Mobile App Payment Gateway Integrations


  • PCI Compliance: Ensure the gateway adheres to the Payment Card Industry Data Security Standard (PCI DSS) for industry-best security practices for cardholder data during mobile app development.
  • Encryption and Tokenization: Look for features like data encryption and tokenization to safeguard sensitive information during transactions within your mobile app.
  • Fraud Prevention: Opt for a mobile app payment gateway integration with built-in fraud detection and prevention tools to minimize financial losses and chargebacks in your mobile app.

User Experience

  • Seamless Checkout: The payment process should be quick and user-friendly, ideally with minimal steps and clear instructions within your mobile app.
  • Multiple Payment Methods: Cater to your target audience by offering a variety of payment options, including credit cards, debit cards, and popular mobile wallets in your mobile app development.
  • Global Capabilities: If you have international users, consider a gateway that supports multiple currencies and international payment methods for your mobile app.

Integration and Cost

  • Ease of Integration: Look for a mobile app payment gateway integration service that offers well-documented APIs, SDKs, and plugins for your mobile app development platform to ensure a smooth integration process.
  • Transparent Pricing: Evaluate the gateway’s fee structure, including setup fees, monthly fees, and per-transaction charges. Choose a model that aligns with your transaction volume and budget for mobile app development.
  • Customer Support: Reliable customer support is essential for resolving any integration or payment-related issues during mobile app development.

By considering these features, you can select a payment gateway that optimizes security, user experience, and cost-effectiveness for your mobile app development project.

How To Integrate Payment Gateway In Mobile Application: A Step-By-Step Guide

How To Integrate Payment Gateway In Mobile Application

Payment gateway integration in mobile applications unlocks a world of possibilities for your business. But with so many providers out there, choosing the right one and setting it up smoothly can feel overwhelming. Here’s a breakdown of the process, making it easier to get started:

Step 1: Finding Your Perfect Payment Partner

Before diving in, take some time to research different payment gateway providers. Here are some key questions to consider:

  • Security Matters: Does the gateway offer robust security features to protect your customers’ information? How do they manage compliance with the Payment Card Industry Data Security Standard (PCI DSS)?
  • Fees and Flexibility: What’s their fee structure, and are there any negotiation possibilities?
  • Mobile-Friendly Focus: How does their gateway cater to the needs of mobile shoppers, ensuring a smooth checkout experience?
  • Branding Your Way: Can you customize the checkout screens to match your brand identity?
  • Recurring Revenue Ready: Does the gateway support recurring billing for subscriptions or memberships?
  • Global Reach: What card types and mobile wallets (like Apple Pay or Google Pay) do they support? Do they offer options for international payments, including multiple currencies and languages?

Step 2: Setting Up Your Merchant Account

To accept payments, you’ll need a merchant account. This acts as a temporary holding place for funds from each transaction before they’re transferred to your business bank account.

Many payment gateways also offer integrated merchant accounts. This allows you to manage everything in one place, from pre-transaction settings (like payment methods and security) to post-transaction processes (like handling chargebacks or issuing refunds).

However, you can also choose to keep your merchant account separate. Just make sure the payment gateway you pick integrates seamlessly with your existing account.

Step 3: Configuring Your Payment Gateway

Once you’ve chosen a provider and set up your account, it’s time to configure your settings and personalize the user interface. This might involve:

  • Choosing Payment Methods: Decide which payment options you’ll offer, such as credit cards, debit cards, and popular mobile wallets.
  • Subscription Savvy: If you have subscriptions or recurring billing, enable and set up the terms for these purchases.
  • Going Global (or Local): Select the countries and currencies your gateway will support.
  • Branding Your Checkout: Customize the checkout page to reflect your company’s colors, fonts, and logo, ensuring a familiar and trusted experience for your customers.

Step 4: Integrating the Gateway: Code, SDKs, or Widgets

With your account configured, it’s time to connect the payment gateway to your mobile app. Most providers offer a few ways to do this, depending on your development expertise:

  • Manual Coding: Developers can write custom code to integrate the gateway’s API directly into the app.
  • SDK for the Win: Software Development Kits (SDKs) are pre-written code libraries that simplify the integration process, requiring less manual coding.
  • Widget Wonders: Some providers offer payment widgets that can be added to your app with just a single line of code. This is a great option for a quick and easy integration.

Step 5: Testing, Refining, and Going Live!

The final step is crucial: thorough testing in a non-live environment. This allows you to run test transactions and identify any issues before your customers encounter them. Most gateways offer tools and functionalities to help with this process.

Once everything is working flawlessly, it’s time to flip the switch and start accepting real payments!

Remember to keep an eye on your transactions within your gateway or merchant account to ensure everything continues to run smoothly.

Mobile Payment Gateway Providers: Your Options For Payment Gateway Integration Services

Looking to accept payments through your mobile app? Here’s a breakdown of some popular mobile payment gateway providers:

Mobile Payment Gateway Providers


  • The king of online payments, PayPal is accepted in over 200 countries and handles 25 currencies.
  • They offer two options:
    • PayPal Express Checkout: Add a simple “Pay with PayPal” button to your app for quick checkout.
    • PayPal Payments Pro: Integrate a full checkout experience directly into your app.

Braintree (Owned by PayPal)

  • Focuses on developer-friendly features like live support, fraud protection, and fast payouts (within 2 days).
  • Unlike PayPal, Braintree allows merchants to have individual accounts.
  • Supports 40 countries and 130 currencies, with integrations for various programming languages.


  • Offers a comprehensive suite of features including:
    • Secure payment processing
    • Checkout experiences for desktop and mobile
    • Payment authorization and analytics
    • Supports 7 programming languages and integrates seamlessly with your app.
  • Charges a small fee per transaction (easily calculable using online tools).


  • Known for its wide range of payment options and competitive pricing.
  • Allows you to send and receive mass payments (invoices for 2,000+ and payouts to thousands).

  • A reliable provider popular in the US and Canada.
  • Offers dedicated merchant accounts with built-in features for:
    • Information management
    • PCI compliance (PCI DSS)
    • Fraud detection

Choosing the right provider depends on your specific needs. Consider factors like:

  • Your target market (supported countries and currencies)
  • Developer experience and integration ease
  • Pricing structure and fees
  • Features offered (e.g., fraud protection, analytics)

The Future Is Now!

We’re hurtling towards a mobile app future, and integrating payment gateways into your app is your ticket on the ride. Forget loyalty cards and discount vouchers – the future of customer engagement is in your app.

By integrating a payment gateway, you’re not just offering a seamless checkout experience, you’re gaining access to a treasure trove of valuable customer data. Imagine personalizing recommendations based on past purchases, or rewarding repeat customers with instant in-app discounts. With mobile payments, your app becomes a powerful tool for building deeper connections and fostering brand loyalty – all while streamlining the way your customers pay.

Frequently Asked Questions On Payment Gateway Integration

Which Payment Gateway Is Best To Integrate?

The Best Online Payment Gateways in India 2024 includes:

  • PayU
  • Stripe
  • Braintree
  • PayPal
  • Instamojo
  • Bill Desk
  • JusPay
  • Airpay
  • Cashfree Payments
  • Zaakpay

What Is The API Of Payment Gateway?

A payment gateway API is a set of instructions that allows your website or app to securely connect with a payment processor to accept payments. This eliminates the need for you to handle sensitive financial data directly.

Is UPI A Payment Gateway?

No, UPI itself isn’t a payment gateway. It’s a system for transferring funds. Payment gateways act like bridges, connecting UPI to your bank for transactions.

Is The Payment Gateway Free?

Most payment gateways charge a fee per transaction, though some may offer free trials or plans with low transaction volume. Free options are limited, so compare pricing before choosing.

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