Mobile App Payment Gateway Integration: Which Method To Choose In 2018

How to make your consumers open their wallets less? Yes, it’s not a mistake, we really want your customers to forget about their wallets when they interact with your app or website. And it doesn’t mean we aim to make them spend less. We just want to simplify the process of ordering, introducing you the most efficient payment gateway integration methods.

You probably know that adding the possibility of in-app purchases is advantageous both for your business and customers. And if you’ve already decided to implement such a feature, you must be careful when choosing payment gateway providers.

Payments market share

Today, there are plenty of them, but as you see from the Datanyze chart above, PayPal is leading amid competitors, overlapping Stripe and Authorize.NET with a massive percentage abyss. Surprisingly, such a trendy Braintree holds only 8th position, but there’s one thing: PayPal Mobile SDKs are now deprecated and only existing integrations are supported. For all new integrations, PayPal advises using Braintree Direct or Express Checkout. So, it means Braintree may be placed in the first place along with PayPal.

Based on this data, we’ve decided to check the two commonly used payment gateway providers - Stripe and Braintree - and highlight practical tips on their integration and maintenance.

1. Stripe

Stripe is a customizable and user-friendly service with a variety of APIs for smooth integration and precise documentation. As for prices, its rate is 2,9% + 30 cents for a successful charge, no monthly and setup fees, and a 2% conversion fee. The main Stripe’s drawback is that it doesn’t support PayPal payments. Supporting Shopify, WooCommerce and Spree Commerce, Stripe offers integration with a lot of business systems and applications like Zapier, Xero, Wufoo, Webs, Timely and others.

Key features:

  • Payments in almost 140 currencies, including bitcoin
  • One-click purchases
  • 7 days payout
  • Purchases directly from Twitter’s feed
  • Easy subscription and card storage
  • Support of iOS, Android,
  • Integration allowed in Ruby, Java, PHP, .NET, Node.js, Python, Go
  • Support of Apple Pay, Google Pay, WeChat Pay, Alipay, Microsoft Pay, Amex Express Checkout, Masterpass by Mastercard, Visa Checkout
  • Monthly financial report
  • Recurring billing
  • Easy PCI compliance
  • Requires merchant account

Notable clients:

Twitter, Facebook, Kickstarter, Shopify, Pinterest, Glossier, OpenTable, Fitbit, Adidas, BestBuy, Slack, HubSpot, Harry’s.

Android integration:

First, install the Stripe Android Library, which enables easy payment submissions from an app. With its help, payment data is sent to Stripe servers with further conversion into tokens, which can be forwarded to an endpoint of your server for payment processing. Then, choose how you want to obtain card details from your customers: via Android Pay, a built-in card input widget or a customized credit card form.

Set up the Android project and connect your app to Stripe with API keys. Keep in mind that your endpoint should accept an api_version parameter. Use PaymentSession to create a smooth checkout flow. You can also enable payments with Google Pay or Alipay.

Here’s also a short integration tutorial:

iOS integration:

Stripe also provides easy payment gateway integration for iOS, installing and configuring SDK via CocoaPods, Carthage, Fabric, Dynamic or Static Frameworks. You can either choose a standard integration or a custom one.

And a video tutorial, of course:

2. Braintree

Launched in 2010, Braintree suits both small and large businesses. Nowadays, it is acquired by PayPal and charges no fees for the first $50,000 processed. Its rate is 2,9% + 30 cents for every successful charge. There are no monthly and setup fees, but 1% currency conversion fee. Braintree supports such platforms as 3dcart, BigCommerce, WooCommerce, Demandware, Magento, Salesforce Commerce Cloud, IBM, Zapier, Wufoo, and many others.

Key features:

  • Payments in almost 130 currencies, including Bitcoin
  • Attack protection and fraud management tools
  • Direct integration with PayPal
  • Support of Apple Pay, Google Pay, ACH Direct Debit, Venmo, Amex Express Checkout, MasterPass, Visa Checkout, UnionPay
  • Support of Android, iOS, Java, .NET, Node.js, PHP, Python, Ruby
  • PCI compliance
  • Instant payment acceptance
  • 2-5 days payout
  • Recurring bills
  • One-touch payment (allows purchase with one click)
  • Requires merchant account

Notable clients:

Uber, Airbnb, Facebook, Dropbox, Bonobos, Boxed, Munchery, Jane. Supported by Bigcommerce, Magento, Spree Commerce, WooCommerce, Shopify and ect.

Android integration:

First, set up your client and initialize the client SDK with the help of configuration and authorization details placed in a token generated by your server. Then request a client token to initialize Braintree: you have to request a new one every time you start a new session. Otherwise, you can authorize a client with a tokenization key, which doesn’t need to be generated every time you launch an app. This tokenization key will also help you save customer payment data directly to the Vault.

When users provide payment details, your app gets a payment method notice and sends it to the server to create a transaction.

iOS integration:

To collect payment information from customers, add the Drop-in UI and buttons for the types of payment you wish to offer at checkout. Add the BraintreeDropIn pod to your profile to set up the iOS SDK client and request a client token from the server. Similar to Android, your iOS-based app will request a new token each time you launch it.

Summary

Following success stories of businesses transferring their accounts from Braintree to Stripe, we must admit that Stripe payment gateway integration is considered to be better and easier. Stripe payments get integrated into more eCommerce apps and websites, offering smart processing tools. Plus, Stripe documentation is better written and easier to comprehend. The gateway’s tutorials are thorough and extensive, offering multiple feature guides, practical examples of implementation and community-created libraries. You will need a developer to maintain both Stripe and Braintree and get the most out of them.

Keep peeping into our best practices to receive more useful information on developing an excellent mobile or web app. In one of our next posts, we’ll describe how to integrate payment gateway in a website. In case you have urgent questions right now or need professional help - don’t hesitate to contact us immediately.

05 Nov 2018
Olya Bohun / Tech Enthusiast
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