payment gateway integration

We are living in a time where web-based shopping and the web-based business solutions have become the order of the day. This has empowered the e-commerce applications to execute and integrate the payment gateway that can complete online transactions with only a few clicks.

The users can make simple payments for availing a lot of services such as purchasing an item from web-based business sites, booking train or flight tickets, hotel reservations, booking a taxi, paying a bill for a decent feast at an eatery and so on.

Also, the reason behind why payment gateway has turned into the need of great importance can be understood from the present insights. As per BI Intelligence report, the in-store mobile payment market is evaluated to reach at $503 billion continuously by 2020. One should never look down on the fact that the payment gateway has been an incredible assistance in booming sales because it has made payment work in a jiffy.

What is a payment gateway?

A payment gateway service is one of the best ways to buy something through mobile applications. It’s a mediator between the transaction a user needs to perform and the payment processor. Why is there a need for such mediators? The direct interaction between the application and payment processors is denied due to security reasons.

The payment gateway services act as a component of the app that utilizes encryption to ensure the secure processing of sensitive data (e.g. PIN number) and makes mobile application payment processing actually possible. Payment gateways are good for those organizations that prefer not to be in charge of keeping the private information safely, however, they need to add the payment options to their applications.

How does payment gateway work?

Most importantly, clients must be connected with the internet for utilizing advanced payment facilities offered by a gateway. Before or after making purchases, they will be requested to fill in the fields with their credit card data. That is the beginning stage of this current process’ long voyage which however takes a couple of seconds for users.

First, the information is sent to the payment gateway which then passes it to the bank the credit card belongs to. At that point, the bank initiates requests with payment systems like Visa or MasterCard. The main task of such frameworks is to make sense of whether a user has a required amount of cash as balance, to pay for that buy.

If the user has the required amount, the request is confirmed and the bank interacts directly with the dealer to approve the request. The required amount is charged from a user and sent to the business account of a merchant in a few days.

Both mobile and online sales are increasing day by day. More than 73% of users made two or more purchases in the last year and 70% of merchants say their income has increased from both online and mobile channels. It’s no surprise that mobile app payment integration is gaining momentum and is more in demand.

Facts to ponder before implementing mobile payment gateway integration:

As mentioned above, there are certain factors one should know about before integrating a credit card payment gateway.

Merchant account types:

To begin with, let us look into the concept of merchant account. A merchant account enables one to accept online payments and acts as an online bank for your business transactions. The app holds the money you receive from sales for about 2-7 days. Later on, your amount would be transferred to your regular business bank account. When you initiate a payment gateway system, the provider verifies the transaction and then redirects to the merchant account.

The fact that payment gateway solutions help to smoothen the payment processing needs a special mention. It can also be integrated as an optional choice. Basically, they act as a security software that helps to protect against online frauds and also provides online payment facilities like subscription support. Similarly, most merchant accounts provide access to basic online payment functionality and security capabilities.

The merchant account can be started at banks. If necessary, can be integrated with payment gateways and is supported by the bank. Another alternative is to use any credit card payment gateway providers that offer their customers an all-in-one solution. It should also support merchant accounts (like PayPal).

Basically, there are two types of merchant accounts that can be chosen based on one’s needs:

Firstly, we have a merchant account type that is allocated solely for the business. It’s a time-consuming and expensive option. Most of the time would be spent on various checks that also include security checks.

Despite this, this option furnishes you with a larger amount of power over your funds. For instance, you can rely on custom payment processing charges which rely upon your business volume. The more you deal, the lower your charges are and vice versa. Other important features include speedy money transfers (in 3 days as compared to 2-7 days in other account types) and greater flexibility for financial operations that includes account debiting, correction of transaction errors etc.

Aggregate merchant account

With this type of merchant account, the money that is generated from your business is pooled with others. Just think of it as a bank cell that is shared among various people. Which means the level of control over the money is limited. Also, the money withdrawal from business accounts would take longer. But, this option is comparatively cheap and consumes less time.

The types of goods that you sell are also an important factor to consider for mobile app payment integration. If the product you intend to sell include digital content, then you’re going to deal with App Store or Play Store policies for in-app purchases. Apps that are distributed from those marketplaces can’t use third-party services. So, all transactions must be made via Apple ID or Gmail.

All the companies provide developers with guidelines and appropriate tools. While Apple suggests iOS developers to use a specialized framework, Google prepared a dedicated API for Android developers. Thereby, all transactions will be performed by App Store or Google Play.

But, if you’re going to sell physical goods, all platforms recommend using mobile payment gateway providers. Usually, a payment gateway can connect to your application through specialized APIs as well.

Security certificates

To be able to deal with customer banking data, you must be PCI DSS certified. This certificate is necessary even if you are using a very secure payment gateway. In order to get certified, you would have to go through a complex verification procedure.

The most important thing you should do is to make sure the information system containing the customer credit card data is well compliant with the demands of PCI DSS. The next step involves addressing possible vulnerabilities from fraudsters.

Once all the fixes are done, one of the firms having a status of a Qualified Security Assessor would carefully audit your company. Moreover, they conclude whether to certify your company or not.

How to choose the right payment gateway?

Now that you have a basic idea of merchant accounts and security certificates, let’s take a look at some of the payment gateways available so that you could figure out which payment gateway suits the best for your specific case.

CC Avenue

CCAvenue is one of the leading Payment Gateway Service Provider in India. It accepts and verifies Internet payments via Credit Card, Debit Card, Net banking, ATM-cum-Debit Card, Mobile Payment and Cash Card modes from end customers in real-time. CCAvenue also provides a secure link between websites, acquiring Banks, various issuing institutions, and the payment gateway providers.


CitrusPay is India’s best payment gateway for developers, instant payments for businesses and seamless checkouts for consumers. Payment gateway, mobile wallet, unique marketplace solution and many more – for all your payment needs. It empowers users with a one-click checkout across merchants over all your favorite devices! It helps online shops and online merchants to accept credit card and alternative payments over the web.


PayUmoney is the best payment gateway company in India. It lets customers pay through Credit Cards, Debit Cards, Net Banking and more. All the transactions with PayUmoney are secured with 128 bit SSL encryption and two-factor authentication.

How to Integrate SDKs with a mobile app

As already mentioned, each provider offers their own SDKs. Often, you can discover them on the official site of your payment gateway providers. Those SDKs incorporate solid mobile libraries that encourage the work for your software development team since the credit card data is prepared by them. It implies that your group requires less time for integration and you’re not exposed to PCI compliance.

If your mobile application sells digital content, your team should work with a platform-specific payment gateway solutions. These are Apple Pay or Google Pay.

If you have an app idea and don’t know where to start from or simply need to integrate a payment gateway, you are at the correct place. Our company has helped several new businesses and organizations from everywhere throughout the world in executing their thoughts.

If you need to build an online business application and have any inquiries left, contact our technical managers. They’ll consult you and give an estimate of your project.


Please enter your comment!
Please enter your name here