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1. How to Integrate Payment Gateway in
your Android or iOS Application
Presented by: Hidden Brains InfoTech

2. Mobile applications have become an integral part of our lives. With the number of
mobile phone users across the globe growing at a constant pace, the number of app
downloads is also expected to increase. As of the first quarter of 2021, there are nearly
3.5 million apps available on the Google Play Store. On the other hand, there are around
2.2 million apps on the Apple App Store.
Today, we use mobile applications for different tasks. The use of mobile phones has
transcended beyond just making calls or sending text messages. Undoubtedly, mobile
app revolution has created a profound impact on our lives. There are several companies
providing android development services and iOS development expertise to build your
app idea into reality.
People across the globe are now buying products and services while on the go. If you
want your business/organization to leverage the app world, it is important to provide
payment gateway integration. In this article, we will guide you through how to integrate
a payment gateway into your app via SDK.

3. What is a Payment Gateway?
Payment gateway technology helps merchants accept payments made with debit or
credit cards from customers. In the modern era, payment gateway plays an important
role in the digital economy. These systems eliminate hazards of online commerce by
empowering customers to make secure payments using credit and debit card
information.
While the first payment gateways consisted of simple card-reading devices, they are
now sophisticated systems to collect and authenticate PIN numbers, signatures, and
other data for merchant transactions. Payment gateway encompasses the physical
card-reading devices in retail stores, payment processing portals found in online stores,
as well as phone-based payments using QR codes or Near Field Communication (NFC)
technology.

4. How Does Payment Gateway Work
Payment gateway technologies are rapidly changing to meet new consumer tastes and
technical capabilities. With the development of chip technologies, the signature phase
is making way in favor of a personal identification number (PIN) that is directly entered
into the payment gateway hardware. Today, contactless purchases are made using
smartphones as a payment device instead of credit cards.
The architecture of a payment gateway will differ depending on whether it is an in-store
gateway or an online payment portal.

5. How to implement payment gateway in Android and iOS Applications
Here is a quick guide to find out the steps on how to begin payment integration
work for your Android application or iOS app.
Step 1: Research
Before you begin, it is important to narrow down on the payment gateway to initiate
the integration process. Several factors play an integral role in determining the type of
payment gateway such as magnitude of business, industry & geographic factors such
as targeted country.
Step 2: Client Tokens
Obtain a client token once the server sends a request from your application.
Considering all the best practices, it is crucial to generate a new token upon the launch
of an app. It allows authorization and configuration specifics to initialize the SDK.

6. Step 3: Testing
QA engineers and testers will check the seamless functioning of the payment gateway
integration with sensitive credentials & information such as merchant ID, public and
private keys.
Step 4: Security Certifications
Improve the level of security by installing certifications that comply with the PCI-DSS.
Secure Sockets Layer (SSL) provides comprehensive protection to crucial and sensitive
clients’ and merchant’s information.
Step 5: Payment Processing
One-time payment method needs to be configured on the server when processing a
transaction. Upon receiving the client’s card data, you move it to the server, and it uses
the information to carry out the transaction.

7. Mobile Payment Gateway Integration Best Practices
Here is a quick checklist of mobile payment gateway integration
Types of Merchant Accounts to Choose:
Based on your needs and business requirements, here are the two types of merchant
accounts you should choose from:
● Dedicated merchant account
● Aggregate merchant account
Types of Goods You Sell
Security Certificates

8. Finally
We hope these steps on how to add a payment gateway in Android app and
iOS applications will help you. If you are planning to integrate payment
gateway in your mobile application, it is important to partner with a trusted &
leading mobile app development company specialising in iOS and Android
mobile apps.

9. It is essential to partner with a mobile app development company to leverage
benefits and build secure eCommerce mobile application. Hidden Brains is a
leading mobile app development company providing expertise in Android, iOS
& cross platform app development.
Website: www.hiddenbrains.com
Email: biz@hiddenbrains.com
Skype: hiddenbrains
INDIA: +91-989-802-1433
USA: +1-323-908-3492
UK: +44 (0)20-7993-2188