Visa Developer Community

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Visa Dev Moderator

Re: Mobile payment app

Hey @MelekSibrian,

 

Happy New Year! We haven't heard from you recently, so to continue, can you please let us know what you are trying to do and what do you mean by shared hosting environment? Please provide details so that we can help answer your questions.

 



Was your question answered? Don't forget to click on "Accept as Solution" to help other devs find the answer to the same question.

Thanks,
Diana

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Visa Dev Moderator

Re: Mobile payment app

Hey @MelekSibrian,

 

We haven't heard back from you. Please let us know what you are trying to do and what do you mean by shared hosting environment? If we don't hear back from you in a couple of days, then I'll just mark your question as closed and I'll take you off my contact list. 

 

 



Was your question answered? Don't forget to click on "Accept as Solution" to help other devs find the answer to the same question.

Thanks,
Diana

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Dabbler

Re: Mobile payment app

A payment gateway is a technology used to integrate a credit or debit card payments into mobile applications and on websites. It’s among the best practices to handle online payments. A payment gateway is responsible for securely collecting customer information on the frontend part of the application and then sending it to an acquiring bank or payment processor in order to perform the transaction. 

Here’s how it works in an e-commerce mobile app: A user chooses a product they want to buy and adds it to their shopping cart. The cart is linked to a payment gateway service that lets the user enter their credit card information. When the user checks out and pays by card, the gateway sends a request to the card-issuing bank. In the perfect scenario, the bank approves the transaction.

 

To enable this checkout/payment flow, you’ll need to think not only about a gateway service provider. You should think about the type of merchant account you need and compliance with security standards. We’ll talk about types of merchant accounts first, then we’ll consider how to choose a payment gateway for your app.

 

Credit card payment integration solutions with a gateway API

There are numerous payment gateways – Stripe, Braintree, PayPal, Visa Checkout, Authorize.net, Dwolla, etc. – that allow you to process credit card transaction data through their APIs for payment processing. At first glance, a payment gateway seems like a simple solution. But when you choose to integrate a payment gateway API, you place the responsibility for the security of credit card data on your own shoulders, since that data now passes through your mobile app.

Furthermore, not all payment gateways support an authenticated tokenization process, which is required when accepting payments in a mobile app. Ideally, the payment gateway API integration should ensure handing back a token from your server’s secure authenticated environment. This token represents the submitted card data and can be used to execute actual transactions. 

However, if this tokenization functionality is not provided by gateway APIs for integration, you’ll have to handle it yourself. If you choose any of the three gateways we discuss in this post, however, then no worries – all of them pay close attention to their security, ensuring encryption and tokenization of sensitive data.