Custom payment mobile app development is, actually, booming right now and becoming more and more popular every day. But we can’t tell you that is an easy task... On the contrary! If you plan to build a mobile app for payments, be prepared that there are plenty of difficulties on the way and you should learn a lot.
1. How to Build a Secure
and Easy Mobile
Payment app?
TECSYNT
2. Why?
Mobile Payment systems – one of the handiest
inventions in the last ten years.
The impact of the mobile digital wallets is huge
these days because our lives are almost completely
digitalized.
#1 Make money
#2 Use that money to
make some more
#3 Repeat (c)
TECSYNT
4. How?
Mobile money management takes three steps:
1) collecting credit card information from the
customer;
2) tokenizing customer’s credentials;
3) sending the token to the backend server to
initiate a charge.
Secondly, a digital wallet app must be totally
secure and be able to ensure the protection of the
customer’s credentials data.
Read the full text of “How to Build a Secure and Easy Mobile
Payment app” on our blog
TECSYNT
6. 1. Choose the app type you’re
going to make
Let’s start
7. Step #1
Will you sell something directly
to the app users or will there be
another company involved to
take care of payments from
your customers?
You must decide whether or not
do you need plastic card
scanning (mPOS system).
Read more about mPos in “Retail Mobile app Development”
TECSYNT
8. 2. Define the approach to
mobile app development
Native apps vs Hybrid
9. Step #2
The choice is going to make an
impact on the cost of your app
and its effectiveness.
Native apps are up to 15 percent faster than
hybrid apps, but the hybrids are cheaper to make
and take less time to develop for different
platforms.
To make a right decision and to find out which of
these approaches is suitable for your project, you
can read more about their specifics in our guide
‘How To Build A Mobile App In 7 Easy Steps’.
TECSYNT
11. Step #3
The UI design should be plain and
simple, ensuring that the app works
fast and aren’t disturbing the users
with its complicated money transfer
processing or hard-to-understand
details.
Make sure to use the font and colors that will work for all ages and the
whole concept should be reflecting your brand’s look and feel.
And keep in mind the necessity of user engagement – you not only
have to get them involved with your app, you have to make them stay
in a long-term relationship.
TECSYNT
12. 4. Credit card data storage
and handling
Gateway API and SDK
13. Step #4
A mobile payment app allows you to store and use
your debit, credit, ID, insurance memberships and
loyalty cards.
It turns all that information into a barcode to be
scanned by merchants. But to become a mobile
payment provider of choice, you must offer the
customers an attractive and simple user experience
based on NFC, QR, SMS etc., that helps to build tight
bonds between the brand and the consumers.
Therefore, you should learn how to properly handle
and store all the credentials that your users entrusting
you with.
TECSYNT
14. Step #4
The API call should hand back a token from your
secured server. Such token represents the submitted
credit card, therefore, can be used to make actual
transactions.
There are well-supported mobile SDKs for that APIs
that would be a good option for a startup.
You’re still responsible for the security of credit
card data, even after gateway API integration.
You must not store the credit card data in your app
directly. There are a large number of the specific
payment gateways that are designed to process
credentials transaction through their APIs.
TECSYNT
15. WePay API
that stores a credit
card info securely
on WePay's servers,
and returns your
platform a token. It
can then be used to
complete a
transaction without
any further user
interaction.
Android Pay API
that lets customers
digitize and securely
store your loyalty
cards, gift cards,
and offers in their
Android Pay app.
Merchants enjoy
simple integration
and benefit from
higher conversions.
Spreedly API
Collecting Payment
Methods in iOS –
Spreedly API library
that supports Apple
Pay so you can
enable users to
make payments
without entering
their credit card
info.
Step #4
Check this out, API’s for secure obtaining of
the credit card info:
TECSYNT
17. Step #5
Becoming PCI certified startup can take months even if you’re not a
newbie and your company specializes in storing and processing
credentials.
But there is a sort of way out.
The gateways or popular payment systems offer robust native mobile
libraries for iOS and Android and sensitively ease PCI compliance for
you by transforming an encrypted credit card data into a token.
The most important is that you are now
under the obligation to make a secure
mobile app for payment and to get in the
Payment Card Industry compliance.
TECSYNT
19. Step #6
And instead of asking them to re-enter their information or come
back into app later, handle the issue as best you can, so that the
users can fix the problem themselves or call their bank and pass
the responsibility to its workers.
The ways to do such tech support for your customers could be a
simple highlighting of the error in red or a clear and
ease-to-understand explanation for any server issues to reassure
the user that it’s not his/her fault if this is the case.
Sensitive errors in the mobile
payment app will happen, no matter
who’s fault it will be – the user’s, the
bank’s, or your own server’s.
TECSYNT
20. “
Life is a game.
Money is how we keep
score (c)
TECSYNT
21. Sum up
And if you don’t have the right experience in this field or a high set of
programming skills, it’s better for you as long as for your future clients
to hire a qualified mobile app development company.
Only the team of professionals will help you to avoid a bad UX and
technical glitches in the final product.
The UI design and a technical
implementation of your mobile
payment app are a huge deal.
TECSYNT
22. Any questions?
We can develop for you a user-friendly,
secure and trustworthy mobile app for
payments as fast as possible.
?
TECSYNT
Mobile Development Company
hello@tecsynt.com
