- Types of mobile payments - In-app vs. payment gateway, Apple / Google Pay, Stripe / Braintree
- What payments to use to avoid getting blocked or rejected when publishing the app
- How Google and Apple Pay work
Payment Gateway History: An interview with the InventorWayne Akey
Payment Gateways play an integral role in e-commerce and SAAS applications. Hear from Jeff Knowles-the inventor about the challenges and struggles of creating the first Payment Gateway.
Stripe automates the payout process by offering a controlled flow of funds with Stripe Connect API. It can be integrated with eCommerce marketplaces to facilitate payments automatically. It is highly compliant, secure, and provides instant split payments charging a fixed percentage of money per transaction. To know more about split connect for marketplaces please visit our website.
Payment Gateway History: An interview with the InventorWayne Akey
Payment Gateways play an integral role in e-commerce and SAAS applications. Hear from Jeff Knowles-the inventor about the challenges and struggles of creating the first Payment Gateway.
Stripe automates the payout process by offering a controlled flow of funds with Stripe Connect API. It can be integrated with eCommerce marketplaces to facilitate payments automatically. It is highly compliant, secure, and provides instant split payments charging a fixed percentage of money per transaction. To know more about split connect for marketplaces please visit our website.
Modes of Cashless Transactions - Cash-less Indian EconomyRajan Chhangani
This presentations is all about the different modes of cashless transactions and a small step to promote digital India and digitization in India.
Sources:- NPCI
Axis Bank
SBI
RBI
Mobile Wallet is a service that allows users to manage digitized values (offers, coupons, rewards within loyalty programs, ticketing, boarding passes, gift certificates, ID-cards or information about products and services) of different brands and makes it possible to make payments (with bank accounts, bank cards, and electronic money)
Pay&Go is the leading technology provider of innovative payment processing for cash and non-cash transactions through a complex network of payment acceptance points.
The Pay&Go platform, is designed to allow the execution of cash and non-cash transactions through a network of kiosks, POS-enabled merchants and through a user-friendly customer-facing mobile application
4 Ways to Build an App Without Code | AppSheetAppSheet
Interested in building powerful apps without code directly from data sources and natural language? Discover the simplicty, elegance, and feature-rich functionality of hte AppSheet platform.
AppSheet is a Forrester Wave Leader in the low/no code development platform category serving Fortune 500 leaders like Clearlink, Husqvarna, Disney (via ESPN), GE, and more.
This is our group presentation on how Apple develop a robust and secure Information System Infrastructure for the new mobile feature, Apple Pay. Apple has been working and developing for years. With Apply Pay, we use iPhone as a mobile wallet to pay at check out with Touch ID. In order to obtain a strong security for this new feature, the new iPhone 6 and iPhone 6 Plus are equipped with SE (Security Element), NFC (Near Field Communication), and Touch ID.
New digital lending architecture: As Indian consumers and business go from being data poor to data rich in next 3 years, a new lending architecture which is digital, based on data footprints and using algorithms can scale up rapidly to provide credit for the underserved. This includes P2P lending. The Electronic Consent layer of the India Stack will leverage this data tsunami.
A hardware and software platform, which turns a smartphone into a powerful payment, loyalty and identification tool:
- All-in-one,
- Simple authentication & authorization,
- P2P transfers,
- Pay by QR code,
- Pay by NFC,
- Pay by cards linked to an account,
- Mobile acquiring,
- Invoices,
- Loans,
- E-policies,
- Consolidation of loyalty programs,
- Discounts and promotions,
- Ticketing.
White Label - under Your Brand in 2-3 months!
complete Software requirement specifications for the Gpay application with performance requirements, functional requiremnts and nonfunctional requirements.
Modes of Cashless Transactions - Cash-less Indian EconomyRajan Chhangani
This presentations is all about the different modes of cashless transactions and a small step to promote digital India and digitization in India.
Sources:- NPCI
Axis Bank
SBI
RBI
Mobile Wallet is a service that allows users to manage digitized values (offers, coupons, rewards within loyalty programs, ticketing, boarding passes, gift certificates, ID-cards or information about products and services) of different brands and makes it possible to make payments (with bank accounts, bank cards, and electronic money)
Pay&Go is the leading technology provider of innovative payment processing for cash and non-cash transactions through a complex network of payment acceptance points.
The Pay&Go platform, is designed to allow the execution of cash and non-cash transactions through a network of kiosks, POS-enabled merchants and through a user-friendly customer-facing mobile application
4 Ways to Build an App Without Code | AppSheetAppSheet
Interested in building powerful apps without code directly from data sources and natural language? Discover the simplicty, elegance, and feature-rich functionality of hte AppSheet platform.
AppSheet is a Forrester Wave Leader in the low/no code development platform category serving Fortune 500 leaders like Clearlink, Husqvarna, Disney (via ESPN), GE, and more.
This is our group presentation on how Apple develop a robust and secure Information System Infrastructure for the new mobile feature, Apple Pay. Apple has been working and developing for years. With Apply Pay, we use iPhone as a mobile wallet to pay at check out with Touch ID. In order to obtain a strong security for this new feature, the new iPhone 6 and iPhone 6 Plus are equipped with SE (Security Element), NFC (Near Field Communication), and Touch ID.
New digital lending architecture: As Indian consumers and business go from being data poor to data rich in next 3 years, a new lending architecture which is digital, based on data footprints and using algorithms can scale up rapidly to provide credit for the underserved. This includes P2P lending. The Electronic Consent layer of the India Stack will leverage this data tsunami.
A hardware and software platform, which turns a smartphone into a powerful payment, loyalty and identification tool:
- All-in-one,
- Simple authentication & authorization,
- P2P transfers,
- Pay by QR code,
- Pay by NFC,
- Pay by cards linked to an account,
- Mobile acquiring,
- Invoices,
- Loans,
- E-policies,
- Consolidation of loyalty programs,
- Discounts and promotions,
- Ticketing.
White Label - under Your Brand in 2-3 months!
complete Software requirement specifications for the Gpay application with performance requirements, functional requiremnts and nonfunctional requirements.
The retail sales industry has undergone some noticeable transition in the array of payment methods over the years.
It is imperative that an innovative payment solution is introduced to replace an cashier checkout system especially when there is growing demand for it.
Assuredly, the addition of a mobile self-checkout application in industry will be more prominent in the next few years.
The aim is to develop a mobile self-checkout application for a retail store of a client.
Objective -
Develop a Mobile application having a barcode scanner facility, it will be used to scan the barcode given in product and add it to the cart.
Make the payment with multiple payments methods easily with app itself.
Once payment is done it give alert or message to store owner
Apart from this app will access current location of store and give the products details according to that particular store only.
Application Domain -
Through this application we can easy people’s life by not wasting their time to go through the cashier checkout point, and the product review are also there in the application.
There will be a great impact of this application as It helps in a great measure cut off the long line at the cashier checkout points
which can be frustrating at times for both customers and the cashier.
A No-Confusion Guide to Build a Secure Mobile Wallet App in 2019Innofied Solution
Mobile payments apps have witnessed a major increase in demand lately. Wallet apps like Paytm, PayPal and others have revolutionized the online world. If you want to develop an e-wallet, watch this presentation now!
All You Need to Know About Mobile Payment Gateways in 2023.pdfTechugo
A Mobile Payment Gateway allows users to authorize and process payments via mobile apps. It uses encryption and security protocols to protect transaction data. A gateway is a service that allows clients to connect with businesses in order to make financial transactions more convenient.
A mobile payment gateway is a technology that enables secure payment transactions using a mobile device, such as a smartphone or tablet. It acts as an intermediary between a merchant's website or mobile app and the customer's mobile wallet or bank account. To know more, visit the post.
BIDJOBS Mobile – is an Micro Job Marketplace application to hire professionals partners according to the expertise needed temporarily with a one-time payment service. Love your job, by respecting the work of others, will know where your passion works.
Everyone can have a small business as a service provider to clients, not necessarily having many employees and large companies. Business partners consisting of professionals in their fields combine to get many clients
GoShop: A Digital Bridge between Shopkeepers and ConsumersAI Publications
GoShop is an idea to overcome the growing distance between local vendors and customers by digitizing the whole process of trading from the very beginning of maintaining inventory by the shopkeeper to the purchase of an item by consumer. Also, it aims to make the process easier and faster by binding different tools in a single package and reducing the cost of shopkeeper and saving time for the end consumer.
How to build an online payment app development like pay palNoman Shaikh
PayPal was one of the first entrants in the P2P market, and today it is a leader and pioneer in the space. Today, many businesses worldwide are using PayPal as their payment service provider.
PT.BUZOO INDONESIA is No1 Japanese offshore development company in Indonesia.
We are professional of web solution and smartphone apps. We can support Japanese, English and Indonesia.
We are hiring now at http://buzoo.co.id/
Tokenized projects. Should I work with them or give them up right away?Cleveroad
🔹 found out what tokenization is;
🔹 we talked about the minimum linear accounting unit in the project - a token;
🔹 compared interchangeable (cryptocurrency) and non-interchangeable (NFT) units and studied their features;
🔹 learned how to prepare a token for sale, and highlighted the types of token sale;
🔹 analyzed allocations and their purpose for business.
Pulse of FinTech. 5 tips and tricks for BA on Finance projectCleveroad
- Described the portrait of the main stakeholders;
- We talked about the specifics of communication and its construction with clients in the finance niche;
- Convinced of the importance of knowledge of local legislation for business analysts;
- Highlighted modern global digital trends in fintech.
- How Flutter theme works and what can be customised in it
- How to override theme values locally for one widget
- Text styles in Flutter
- Interaction with system UI elements (Android and iOS)
Recently, our iOS team has prepared a report on the Combine Framework. We’ve discussed using the Combine framework, announced by Apple in 2019, while working with asynchronous code and how to use the delegate-pattern and callbacks as an alternative.
We’ve covered the following:
▪️ The comparison of Combine with other reactive paradigms, such as Rx and ReactiveSwift
▪️ Such entities as Publisher, Subscriber, Subject, Subscription, Scheduler
Lifecycle subscription and Backpressure work
▪️ Operators work
▪️ Debugging of the Reactive approach
▪️ Error handling
▪️ Usage of Combine with Foundation
▪️ Practical usage of Combine in typical situations
The report will be useful to those who:
▪️ Wants to stop using third-party dependencies such as Rx and ReactiveSwift
▪️ Wants to follow a declarative approach to programming in the future, but with a native framework.
What’s new in Swift 5.2-5.3
The report on Swift 5.2 and 5.3 describes the simplification and improvement of code writing and a new feature of the Swift 5.1 — Property Wrappers.
1️⃣ The first Swift 5.2 beta appeared in Xcode 11.4 beta. There were changes in the language, along with a reduction in code size and memory usage. Also, a new diagnostic system allows detecting errors faster.
2️⃣ There are values for user-defined types.
3️⃣ Subscript can declare arguments by default.
4️⃣ A new diagnostic architecture has appeared. It focuses on improving the quality and accuracy of xCode error messages during development.
5️⃣ It’s now possible to specify a list through a comma for more accurate error catching.
6️⃣ A new data type has appeared — Float16 due to the development of machine learning on mobile devices.
7️⃣ Many improvements have been made to Swift Package Manager (SPM) to increase the number of libraries that can be imported.
8️⃣ Swift Property Wrappers appeared in Swift 5.1.
These are wrappers that will allow:
▪️ limit property values
▪️ convert values while changing properties
▪️ change the semantics of equality and comparison of properties
▪️ block access to the property
Streaming apps grow in number, as do live streaming tools. The choice of a proper tool may be a problem if you have plans to make your own streaming app. To help you out, our engineers compared 7️⃣ live streaming tools by:
AWS Live Stream
AWS Chime
Wowza Streaming Engine
Wowza Streaming Cloud
Now. io io
Socket. me me
Twilio
AR technologies are gradually conquering the world
Large companies understand the tendency and support developers with new tools and technologies. That’s how ARCore and ML Kit appeared to the AR community.
樂 But how can these tools affect the development of AR?
☝️ ARCore offers a set of features for an uncut interaction with the environment. Motion tracking, light estimation, and environmental understanding allow developers to use AR more effectively.
As for the ML Kit, it offers more flexibility to developers with its ability to deploy projects on the cloud or on-device. On top of that, it saves the development time with premade sets for common use patterns for text recognition, face detection, and more.
A full comparison of ARCore and ML Kit.
Pay attention to risk management process on a project
Follow risk management matrix to save resources and achieve goals
Generate new possible risks during meetings with a team
Update risk management matrix to share expertise with other
The “Rest vs GraphQL” presentation compares two API design approaches:
- Strengths and weaknesses of each approach;
- Comparison of problems in the use of Rest and GraphQL and the ways to solve them;
- Fee for flexibility;
- Use cases.
LF Energy Webinar: Electrical Grid Modelling and Simulation Through PowSyBl -...DanBrown980551
Do you want to learn how to model and simulate an electrical network from scratch in under an hour?
Then welcome to this PowSyBl workshop, hosted by Rte, the French Transmission System Operator (TSO)!
During the webinar, you will discover the PowSyBl ecosystem as well as handle and study an electrical network through an interactive Python notebook.
PowSyBl is an open source project hosted by LF Energy, which offers a comprehensive set of features for electrical grid modelling and simulation. Among other advanced features, PowSyBl provides:
- A fully editable and extendable library for grid component modelling;
- Visualization tools to display your network;
- Grid simulation tools, such as power flows, security analyses (with or without remedial actions) and sensitivity analyses;
The framework is mostly written in Java, with a Python binding so that Python developers can access PowSyBl functionalities as well.
What you will learn during the webinar:
- For beginners: discover PowSyBl's functionalities through a quick general presentation and the notebook, without needing any expert coding skills;
- For advanced developers: master the skills to efficiently apply PowSyBl functionalities to your real-world scenarios.
Software Delivery At the Speed of AI: Inflectra Invests In AI-Powered QualityInflectra
In this insightful webinar, Inflectra explores how artificial intelligence (AI) is transforming software development and testing. Discover how AI-powered tools are revolutionizing every stage of the software development lifecycle (SDLC), from design and prototyping to testing, deployment, and monitoring.
Learn about:
• The Future of Testing: How AI is shifting testing towards verification, analysis, and higher-level skills, while reducing repetitive tasks.
• Test Automation: How AI-powered test case generation, optimization, and self-healing tests are making testing more efficient and effective.
• Visual Testing: Explore the emerging capabilities of AI in visual testing and how it's set to revolutionize UI verification.
• Inflectra's AI Solutions: See demonstrations of Inflectra's cutting-edge AI tools like the ChatGPT plugin and Azure Open AI platform, designed to streamline your testing process.
Whether you're a developer, tester, or QA professional, this webinar will give you valuable insights into how AI is shaping the future of software delivery.
Epistemic Interaction - tuning interfaces to provide information for AI supportAlan Dix
Paper presented at SYNERGY workshop at AVI 2024, Genoa, Italy. 3rd June 2024
https://alandix.com/academic/papers/synergy2024-epistemic/
As machine learning integrates deeper into human-computer interactions, the concept of epistemic interaction emerges, aiming to refine these interactions to enhance system adaptability. This approach encourages minor, intentional adjustments in user behaviour to enrich the data available for system learning. This paper introduces epistemic interaction within the context of human-system communication, illustrating how deliberate interaction design can improve system understanding and adaptation. Through concrete examples, we demonstrate the potential of epistemic interaction to significantly advance human-computer interaction by leveraging intuitive human communication strategies to inform system design and functionality, offering a novel pathway for enriching user-system engagements.
GDG Cloud Southlake #33: Boule & Rebala: Effective AppSec in SDLC using Deplo...James Anderson
Effective Application Security in Software Delivery lifecycle using Deployment Firewall and DBOM
The modern software delivery process (or the CI/CD process) includes many tools, distributed teams, open-source code, and cloud platforms. Constant focus on speed to release software to market, along with the traditional slow and manual security checks has caused gaps in continuous security as an important piece in the software supply chain. Today organizations feel more susceptible to external and internal cyber threats due to the vast attack surface in their applications supply chain and the lack of end-to-end governance and risk management.
The software team must secure its software delivery process to avoid vulnerability and security breaches. This needs to be achieved with existing tool chains and without extensive rework of the delivery processes. This talk will present strategies and techniques for providing visibility into the true risk of the existing vulnerabilities, preventing the introduction of security issues in the software, resolving vulnerabilities in production environments quickly, and capturing the deployment bill of materials (DBOM).
Speakers:
Bob Boule
Robert Boule is a technology enthusiast with PASSION for technology and making things work along with a knack for helping others understand how things work. He comes with around 20 years of solution engineering experience in application security, software continuous delivery, and SaaS platforms. He is known for his dynamic presentations in CI/CD and application security integrated in software delivery lifecycle.
Gopinath Rebala
Gopinath Rebala is the CTO of OpsMx, where he has overall responsibility for the machine learning and data processing architectures for Secure Software Delivery. Gopi also has a strong connection with our customers, leading design and architecture for strategic implementations. Gopi is a frequent speaker and well-known leader in continuous delivery and integrating security into software delivery.
Essentials of Automations: Optimizing FME Workflows with ParametersSafe Software
Are you looking to streamline your workflows and boost your projects’ efficiency? Do you find yourself searching for ways to add flexibility and control over your FME workflows? If so, you’re in the right place.
Join us for an insightful dive into the world of FME parameters, a critical element in optimizing workflow efficiency. This webinar marks the beginning of our three-part “Essentials of Automation” series. This first webinar is designed to equip you with the knowledge and skills to utilize parameters effectively: enhancing the flexibility, maintainability, and user control of your FME projects.
Here’s what you’ll gain:
- Essentials of FME Parameters: Understand the pivotal role of parameters, including Reader/Writer, Transformer, User, and FME Flow categories. Discover how they are the key to unlocking automation and optimization within your workflows.
- Practical Applications in FME Form: Delve into key user parameter types including choice, connections, and file URLs. Allow users to control how a workflow runs, making your workflows more reusable. Learn to import values and deliver the best user experience for your workflows while enhancing accuracy.
- Optimization Strategies in FME Flow: Explore the creation and strategic deployment of parameters in FME Flow, including the use of deployment and geometry parameters, to maximize workflow efficiency.
- Pro Tips for Success: Gain insights on parameterizing connections and leveraging new features like Conditional Visibility for clarity and simplicity.
We’ll wrap up with a glimpse into future webinars, followed by a Q&A session to address your specific questions surrounding this topic.
Don’t miss this opportunity to elevate your FME expertise and drive your projects to new heights of efficiency.
Connector Corner: Automate dynamic content and events by pushing a buttonDianaGray10
Here is something new! In our next Connector Corner webinar, we will demonstrate how you can use a single workflow to:
Create a campaign using Mailchimp with merge tags/fields
Send an interactive Slack channel message (using buttons)
Have the message received by managers and peers along with a test email for review
But there’s more:
In a second workflow supporting the same use case, you’ll see:
Your campaign sent to target colleagues for approval
If the “Approve” button is clicked, a Jira/Zendesk ticket is created for the marketing design team
But—if the “Reject” button is pushed, colleagues will be alerted via Slack message
Join us to learn more about this new, human-in-the-loop capability, brought to you by Integration Service connectors.
And...
Speakers:
Akshay Agnihotri, Product Manager
Charlie Greenberg, Host
"Impact of front-end architecture on development cost", Viktor TurskyiFwdays
I have heard many times that architecture is not important for the front-end. Also, many times I have seen how developers implement features on the front-end just following the standard rules for a framework and think that this is enough to successfully launch the project, and then the project fails. How to prevent this and what approach to choose? I have launched dozens of complex projects and during the talk we will analyze which approaches have worked for me and which have not.
Kubernetes & AI - Beauty and the Beast !?! @KCD Istanbul 2024Tobias Schneck
As AI technology is pushing into IT I was wondering myself, as an “infrastructure container kubernetes guy”, how get this fancy AI technology get managed from an infrastructure operational view? Is it possible to apply our lovely cloud native principals as well? What benefit’s both technologies could bring to each other?
Let me take this questions and provide you a short journey through existing deployment models and use cases for AI software. On practical examples, we discuss what cloud/on-premise strategy we may need for applying it to our own infrastructure to get it to work from an enterprise perspective. I want to give an overview about infrastructure requirements and technologies, what could be beneficial or limiting your AI use cases in an enterprise environment. An interactive Demo will give you some insides, what approaches I got already working for real.
UiPath Test Automation using UiPath Test Suite series, part 4DianaGray10
Welcome to UiPath Test Automation using UiPath Test Suite series part 4. In this session, we will cover Test Manager overview along with SAP heatmap.
The UiPath Test Manager overview with SAP heatmap webinar offers a concise yet comprehensive exploration of the role of a Test Manager within SAP environments, coupled with the utilization of heatmaps for effective testing strategies.
Participants will gain insights into the responsibilities, challenges, and best practices associated with test management in SAP projects. Additionally, the webinar delves into the significance of heatmaps as a visual aid for identifying testing priorities, areas of risk, and resource allocation within SAP landscapes. Through this session, attendees can expect to enhance their understanding of test management principles while learning practical approaches to optimize testing processes in SAP environments using heatmap visualization techniques
What will you get from this session?
1. Insights into SAP testing best practices
2. Heatmap utilization for testing
3. Optimization of testing processes
4. Demo
Topics covered:
Execution from the test manager
Orchestrator execution result
Defect reporting
SAP heatmap example with demo
Speaker:
Deepak Rai, Automation Practice Lead, Boundaryless Group and UiPath MVP
The Art of the Pitch: WordPress Relationships and SalesLaura Byrne
Clients don’t know what they don’t know. What web solutions are right for them? How does WordPress come into the picture? How do you make sure you understand scope and timeline? What do you do if sometime changes?
All these questions and more will be explored as we talk about matching clients’ needs with what your agency offers without pulling teeth or pulling your hair out. Practical tips, and strategies for successful relationship building that leads to closing the deal.
State of ICS and IoT Cyber Threat Landscape Report 2024 previewPrayukth K V
The IoT and OT threat landscape report has been prepared by the Threat Research Team at Sectrio using data from Sectrio, cyber threat intelligence farming facilities spread across over 85 cities around the world. In addition, Sectrio also runs AI-based advanced threat and payload engagement facilities that serve as sinks to attract and engage sophisticated threat actors, and newer malware including new variants and latent threats that are at an earlier stage of development.
The latest edition of the OT/ICS and IoT security Threat Landscape Report 2024 also covers:
State of global ICS asset and network exposure
Sectoral targets and attacks as well as the cost of ransom
Global APT activity, AI usage, actor and tactic profiles, and implications
Rise in volumes of AI-powered cyberattacks
Major cyber events in 2024
Malware and malicious payload trends
Cyberattack types and targets
Vulnerability exploit attempts on CVEs
Attacks on counties – USA
Expansion of bot farms – how, where, and why
In-depth analysis of the cyber threat landscape across North America, South America, Europe, APAC, and the Middle East
Why are attacks on smart factories rising?
Cyber risk predictions
Axis of attacks – Europe
Systemic attacks in the Middle East
Download the full report from here:
https://sectrio.com/resources/ot-threat-landscape-reports/sectrio-releases-ot-ics-and-iot-security-threat-landscape-report-2024/
3. Types of Payments
03
In‑App Payment Gateway
For selling digital content. For selling physical goods,
services, charity and
peer-to-peer transactions
4. In-App Payments
04
● They’re built into Android and iOS on a system level and
let users manage subscriptions and payment methods
within the OS.
● They must be used for selling digital content.
● Apple and Google charge a 15-30% fee.
● Apps on app stores are marked as ‘In-App Purchases’ and
indicate the range of prices.
5. Classification of In-App Payments
05
Apple:
1. Consumable. For repeated
purchases.
2. Non‑Consumable. For a one-time
purchase by one user.
3. Auto‑Renewable Subscriptions.
For standard subscriptions.
4. Non‑Renewing Subscriptions.
Subscriptions for a specific period
with manual renewal.
Google:
1. One-Time Products. All one-time
payments (there are consumable
& non‑consumable.)
2. Subscriptions. Auto renewable
subscriptions.
6. Commission for In-App Purchase
06
● Google charges a 30% fee for one-time purchases and subscriptions. After a
year of a continuous subscription the fee decreases to 15%.
● Apple has the same fee as Google to date. For subscriptions, the accumulated
months do not expire for 90 days.
From January 1st 2021, Apple starts the App Store Small Business Program.
Developers whose total earnings from all App Store apps are less than $1M for the
previous calendar year will be able to apply for a reduction of all In-App fees up to 15%
(including paid apps).
7. In-App Payments in
Flutter
07
The official plugin from the Flutter team
(currently in beta).
Each platform requires individual in-app
adjustments in App Store Connect and
Google Play Console.
8. Testing In-App Payments
08
For Android, you need to add a Google account to the
License Testing list. Once done, you can check it on a device
using a test payment method.
For iOS, the sandbox account is created. You’ll need to log in
when making a purchase. All payments in the external
TestFlight builds are free yet these builds require going
through a review.
9. Payment Gateway Transactions
09
● Must be used for selling physical goods, services, and charity.
● Payments go through third-party providers (Stripe, Braintree,
and others).
● Use an SDK or an API of payment gateway providers for
integration.
● Payments are subject to an intermediary commission that's
significantly less than in In-App payments (0.5–5% vs. 15–30%).
● Apps should let users manage their subscriptions and payment
methods.
10. Payment Gateway Payments in Flutter
10
● The only official SDK is from Square (native SDK wrapper)
● Many unofficial plugins from third-party developers
11. Payment Gateway Testing
11
Providers usually let developers use a
sandbox mode for testing. It's the mode
where transactions happen without
charging money.
Besides, there's a set of test cards for
checking various possible events during
the transaction: successful transaction,
insufficient funds, and others.
12. 3D Secure Payments
12
It's an additional security layer when trying to charge funds
from a user's card.
This verification usually happens in a built-in browser and
requires entering an additional code (from SMS or push
notification) to verify the transaction.
Payment gateway providers like Stripe may require the
support for 3D Secure. Sometimes you know that it's
necessary beforehand. Such payments are subject to
additional commission.
13. In-app vs. Gateway: What to Choose?
13
Q: Is it possible to make this purchase without your application?
If the answer to the question above is “no”, then it fits the definition
of “digital content” and you should use In-App payments.
There may be exceptions, but the answer to this question will help
you decide in most cases.
14. Examples
14
1. Buying a filter for photos. You should use the In-App
purchase since it only exists in the context of your app.
2. Ordering a water delivery. It’s a physical purchase that can
be done without your app. Here you should use the Payment
Gateway.
15. 15
In-App Characteristics:
● Testing purchases with the help of
sandbox accounts
● May need a mechanism of restoring
purchased products
● High fees
Payment Gateway Characteristics:
● Creating a UI for entering and
managing payment information
● Building Flutter plugins using
providers’ native SDKs
● Unwillingness of users to enter
credit card data (partially resolved
with Apple Pay and Google Pay)
16. Is There a Way to Bypass In-App Payments?
16
If the app’s content falls under the definition of “digital”, you can’t bypass
In-App payments. Any attempts can lead to sanctions from app stores up to
getting your developer account blocked.
You can offer a payment on the website as an alternative, but NOT in the
app. (For example, you can use an email newsletter.)
Any mentions of bypassing In-App payments may result in the app being
blocked.
17. Consumption-Only Apps
17
Apps that give access to content bought somewhere
else are feasible.
Example: The Google Play Books app for iOS. It lets
users read previously purchased books, but doesn’t
allow for buying new ones.
18. Apple Pay and Google Pay
18
They allow to speed up the buying process
with fast access to payment methods.
19. Integrating Apple Pay With a Provider (Stripe)
19
In the flow with card tokenization, you only
receive a token from Apple Pay. The transaction
itself is carried out by the app’s backend.
Apple Pay certificate will allow you to link
Apple Merchant to Stripe account for
transactions.
20. Apple Pay Guidelines
20
● The button must comply with guidelines and you
should only use official resources (image and
inscription).
● The button can be used in different modes (dark
and light), have rounded edges, and do not merge
with the background.
21. Review in the App Store
21
● Builds can be created immediately in the live mediator mode.
● In the build's description, you should describe where Apple
Pay is used and why.
22. Integrating Google Pay With a Provider
22
● Providers must be supported as a
gateway for Google Pay.
● Providers’ parameters are passed to the
Google Pay SDK. This way, you can check
the binding of the app to the provider’s
account.
23. Google Pay Guidelines
23
● The button must comply with guidelines and only
official resources must be used (image and
inscription).
● Google offers using their button variations with and
without inscriptions in three styles: black, white, and
white with an outline.
● The variation of a custom button with rounded edges
and the logo from guidelines is also suitable.
24. Google Pay Integration Review
24
1) Upload the build to the Play Console with Google Pay
test mode in closed alpha and wait until the build is
processed.
2) Go to the Business console and log in using the
Google account with access to the app in the console.
(It’s preferable to use customer’s account.) Then fill in
all necessary information about the business.
3) Find the app and hit “submit for review”. You’ll be
asked to add five screenshots of the app showing the
purchase workflow with Google Pay.
25. 25
After that, you should wait until the integration is reviewed.
You can get an email telling you about some problems, but the status will
remain "in review."
In that case, you should fix the remarks, upload the new build to the alpha,
and write to the support about your intention to re-submit the integration
for review. After a while, it’ll appear again.
26. 26
Without reviewing the integration, Google Pay won’t make payments
displaying the following message: “This merchant is not enabled for
Google Pay”.
It’s important to pass the integration review using your test build. After
that, you can upload a new build with the Google Pay release mode and
send it for review on Google Play.
27. Testing Apple Pay/Google Pay
27
Apple Pay:
You should use the provider’s test
mode and real bank cards. Funds
won’t be charged.
iOS simulators allows to use test
cards of various payment networks.
Google Pay:
You should use the provider’s test mode
and the test mode of Google Pay. In this
mode, Google Pay sends fake data of the
real card to the provider.
Funds won’t be charged.
29. Stripe Products:
29
● Payments. Acceptance and processing of one-time payments.
● Billing. Creation and management of subscriptions.
● Connect. Creation of marketplaces.
There’s a support for 3D Secure payments.
30. Stripe Connect
30
A tool for creating platforms and marketplaces where
payments can occur between users.
Users link their Stripe account to the app to be able to earn
money. The app charges commission from each transaction.
Example of use: a platform for finding trainers, a marketplace
selling used items.
31. Stripe Can Be Used Via:
31
1. REST API
2. Native Android/iOS SDKs
3. JavaScript SDK
4. CLI SDK
32. Stripe Fees
32
Fees may differ depending on the country selected in the account. Here are the
fees for the US:
● Payments. 2.9% + $0.30 per transaction, +1% for international card, +1% if
currency conversion is required.
● Subscriptions are charged 0.5%.
● Stripe Connect. Has a free standard plan. Other plans bring more
opportunities, but charge additional $2 per active user per month and 0.25%
+ $0.25 per transaction.
● 3D Secure may be subject to additional fees in custom plans.
33. When You Can’t Use Stripe
33
● Financial and professional services: investments, virtual
currencies, lending, etc.
● Intellectual property infringement, regulated or illegal
products and services: gambling, sale of controlled
substances, services for 18+, etc.
● Unfair or deceptive actions: get-rich-quick schemes,
blackmail, reselling services.
● Doubtful high-risk businesses: financial pyramids, boosting
subscribers on social networks, etc.
https://stripe.com/restricted-businesses
35. Braintree Products:
35
● Braintree Direct. Online purchases and subscriptions.
● Braintree Marketplace. A Stripe Connect alternative that lets
connect other Braintree merchants to your service or platform.
36. Braintree Can Be Used Via:
36
1. GraphQL API
2. Native Android/iOS SDKs
3. Drop-in UI SDK
4. JavaScript SDK
38. Drop-In UI
38
● Based on standard native SDKs (Android, iOS, JS)
● Supports regular cards, Paypal, Venmo, Apple/Google Pay
● Provides a ready-made UI for quick payments integration with
customization capabilities
● Supports 3D Secure payments
39. Braintree Fees
39
Commission depends on the country. Here are the fees for
the US:
2.9% + $0.30 per transaction for payments and subscriptions
3D Secure payments are subject to additional fees per each
transaction. There are no publicly available prices.
40. When You Can’t Use Braintree
40
https://www.braintreepayments.com/legal/acceptable-use-policy
● Activities forbidden by law or policies of card issuers (Visa, Mastercard, and others)
● Activities that may harm the Braintree’s reputation
● High-risk activities with potentially high fines
● Specific prohibited activities: flight tickets, betting, auctions, cashing, gambling,
subscriptions lasting more than a year, and some others