How To Integrate A Payment Gateway Into Your iOS Or Android Mobile Application

It’s crazy how in just over a decade, mobile apps have become the central pillars around which all our lives rotate. It’s impossible to even imagine today’s world without mobile apps. As of 2021, there are around 2.2 million apps on the Apple App Store and around 3.5 million apps on the Google Play Store. It’s not possible for a business to grow without having a custom mobile app, especially if it’s an e-commerce business.

In this article, we’ll talk about a really important part of any e-commerce app – payment gateway integration, and how you can add a payment gateway to your app via SDK.

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What exactly is a Payment Gateway?

Payment gateway refers to the technology that lets merchants collect payments made with credit or debit cards by customers. Payment gateways play a significant part in the digital economy in this day and age. Customers can make safe payments utilizing credit and debit card information using this amazing technology. It eliminates a lot of risks associated with online shopping.

The technology has evolved from basic card readers to complex systems that gather and validate PIN numbers and other information for merchant transactions. Payment processing online portals, physical card-reading equipment, and phone-based purchases utilizing QR code or Near Field Communication technology – are all examples of payment gateways.

How does a Payment gateway work?

The technology is constantly evolving to match and keep up with the ever-evolving technology and customer needs. After the development and implementation of chip tech, a personal identification number or a PIN can be directly entered. And today, even contactless payments are executed securely using smartphones as payment devices instead of cards.

Implementing payment gateways in Android and iOS apps

Here’s a list to help you figure out how to integrate payment gateways in your mobile apps:

Step 1: Conduct Research

It’s crucial to choose a payment gateway before you start the integration process. The size of your business, the industry, and geographic criteria – all play a big role in deciding the kind of payment gateway you will be using.

Step 2: Get Client Tokens

Get a client token as soon as the server sends a request from your application. It’s critical to generate a fresh token while launching an app. It allows the SDK to be initialized with authorization and configuration details.

Step 3: Test

Quality Assurance engineers and testers will be testing whether or not the payment gateway is properly integrated with sensitive private credentials or not.

Step 4: Security Certificate

Install certifications that are under compliance with PCI-DSS. This will improve the level of security. SSL is important as it provides crucial protection to some really important information.

Step 5: Payment processing

When executing a transaction, a one-time payment mechanism must be set on the server. You move the card data to the server after receiving it from the client, and the server utilizes it to complete the transaction.

Mobile Payment Gateway Integration

Here’s a list of important points to keep in mind when integrating a payment gateway into your mobile app

Different kinds of Merchant Accounts

Merchant accounts accept online payments and act as an online bank account for your company, storing money from sales in your app before transferring it to your normal bank account.

Based on your requirements and needs, here are the two kinds of merchant accounts you can choose from:

Dedicated Merchant Account

Your company will have its own merchant account. While this form of account gives you more financial control, it’s a time-consuming and costly procedure that requires multiple security checks.

Aggregate Merchant Account

The money earned by your business is pooled with money generated by other businesses in this sort of merchant account. It’s a shared account, so you have less control and have to wait longer to withdraw money. On the plus side, it is neither time nor money demanding.

Types of Products You’re Selling

If you want to sell your products or services on mobile, you must adhere to the regulations of the Play Store or App Store. For iOS developers, there are rules, and Google has created a specialized API for Android developers. Use mobile payment gateway providers if you’re selling physical items.

Security Certificates

PCI DSS accreditation is required to work with financial data. As a result, PCI DSS certification is a time-consuming process. The first step is to guarantee that the information system that stores consumer credit card information is constantly in compliance with PCI DSS requirements.


We hope this will help you figure out how to add payment gateways to your mobile apps. If you’re looking for the best app development Texas has to offer, your search ends here. Outsourcing mobile app development can help you save a lot of money. Rushkar can help you hire dedicated developers India has to offer at the best market rates.