Things to Consider Before Integrating Payment Gateway in a Mobile App


Payments to vendors have never been easy with the powerful flexibility that mobile apps deliver. With the advent of a strong startup system promoted by entrepreneurs. And startups want to comply with the modern trend of ease in payment in their business. If you are a businessman planning to integrate a payment system in your app, here are the important things to consider when integrating a payment system in your mobile app.

Before we deliver the core part of our article, why not investigate the stats related to mobile apps and payments?

Stats in the digital payment industry

Digital payments are leading the market in the majority of industries, whether it is travel, healthcare, or finance mobile apps. Here are some stats related to digital payments (Source).

  • In 2022, total digital payments reached $8.50 Trillion.
  • By 2027, the total digital transaction will show an annual growth of 12.31%.
  • Digital commerce shares the most significant market segment valuing $5.49 Trillion in 2022.
  • China is leading the digital transaction run in 2022.

You can see how fast digital payments integration is growing, and it has become a requirement to integrate payment gateways in mobile apps.

Let’s understand mobile payment gateway, some popular payment gateway providers, and steps to integrate it into your mobile apps.

Defining the mobile payment gateway

Mobile payment gateways are a set of processes allowing merchants and buyers to perform a payment transaction.

In the process, there are two participants:

  • Issuing bank: Checking the account balance and giving the green signal for payment.
  • Merchant bank: Confirm if the payment has been received or not.

Further, the mode of payment is always diverse, from gift cards and credit cards to direct payment.

Popular payment gateway systems

There are several payment gateway systems available in the market. Here are the top payment gateway systems.

One of the oldest payment gateway systems immensely popular in countries like Europe, the UK, Canada, and the USA, working with 430000 merchants. The payment gateway manages a million transactions per year, partnering with the most popular mobile apps built by tech giants.


With its prominent presence in 46 countries, Stripe is an efficient platform managing 1 million transactions every year. The platform supports 130 plus currencies.


It is the top player in the payment gateway business. The security and integration of Paypal are efficient and trusted by every business and customer.

Factors to consider for payment gateway integration

With all the above information, we can comment that payment gateway integration is a booming trend.

Analyze the market

Before integrating the payment system, you have to identify the market around you. For example, some regions might prefer using credit cards to pay, whereas other areas might support bank accounts. SO integrate the payment system and offer flexible payment options after analyzing your market.

User interface

Another important thing you have to keep in mind is your user interface. Especially the mobile apps working specifically as fintech apps, have to focus on the user interface. Ensure that the design is easy to understand so that users can navigate throughout it and flawlessly perform payment activities efficiently.

Strong security

While integrating a payment gateway, you have to ensure that the details of users are secure. Perform a complete security report and identify the possible threats in advance to deliver a strong security system.

Analyze payment gateway companies

You have to ensure that your selected payment gateway company has a good brand reputation in the market. If you choose new startups, then your customer wont is able to trust your payment processing process.

Steps to integrate payment gateway in mobile app

Here are the steps to integrate a payment gateway into your mobile app.

  • Step 1: Integrating the server-side and client-side SDK is the first step to perform. You can always refer to official documentation if you get stuck in processing.
  • Step 2: Use the API delivered and integrate it. While performing the same, you have to add data encryption and smooth authorization with a nice waiting design.
  • Step 3: Now you have to confirm the certification for a certified merchant, ensuring a safe and secure payment process in your mobile app.

Wrapping up

With that said, the above are the top things to consider while integrating a payment gateway system into your app. We advise you that you do not change your mobile app development company since they know everything better from the core in your app. With payment integration in your app, you are going to deliver complete efficiency and flexibility to the customers.

Author Bio: Ishan Gupta is the CEO and Co-founder of RipenApps, a leading web and mobile app development company specializing in android and iOS app development. Deploying feature-loaded mobile & web app solutions to SMBs globally transforms business all around.

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