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Mobile OS developers know that good user experience with mobile app payments is essential for user satisfaction and retention. The Android Developer site points out that the key element of good user experience is optimizing in-app payments. Requiring users to leave an application and go to a third-party site can disrupt an otherwise smooth and intuitive user experience for both store employees and consumers. This requires extra clicks and can raise red flags for consumers who might be unsure whether they can trust a third-party payment site (or the app itself). But app developers can keep their users’ trust by embedding payments for smooth, secure processes. It starts with choosing the right payment gateway services partner.
The Solution for Mobile App Payments on Android
Datacap has developed dsiEMVAndroid™ to enable developers to integrate EMV payments with mobile or tablet point of sale (POS) applications for a seamless payment experience. dsiEMV Android features include:
- Contact and Contactless Payments
With this solution from Datacap, merchants using the mobile app will be able to accept both contact and contactless payments via the dsiEMV Android software development kit. The tool acts as a bridge between the Android POS app and payment hardware to handle EMV transactions, tokenization, and point-to-point encryption (P2PE). Developers can demo the tool and run test transactions by accessing GitHub.
- Semi-Integrated Payments
Datacap’s solution is semi-integrated. Payment data is sent to the processor rather than routed through the point of sale (POS) system. Semi-integration reduces Payment Card Industry (PCI) scope, making payment data less accessible to unauthorized people who may gain access to the POS system and making PCI compliance easier.
With the dsiEMVAndroid SDK, developers can take their apps with EMV payments to market faster. You also no longer need to recertify your POS solution every time you make changes. Datacap manages the payment solution, and your app updates won’t impact it.
Additional Payment Gateway Services for Optimizing Mobile App Payments
Embedding payments in the app is just the beginning of optimizing user experiences. Additional payment gateway services that can help you deliver the functionality that users demand include:
- Tokens
Tokenized payments enhance customer experiences by “remembering” their payment data without making it vulnerable to hackers or cyberattacks. Readable payment data is replaced by tokens, randomized alphanumeric characters, allowing you to offer easy “one-click” payments. Keep in mind, however, that all tokens aren’t the same. Some are specific to a single processor. Look for payment gateway services that allow you and your users to use the same tokens even if you change processors.
- PayLoader™ Terminal Management
The Datacap multi-OEM Terminal Management System (TMS) allows you to manage payment devices that run your app. With this, developers have a streamlined way of pushing updates and changing configurations as needed.
- Omnichannel Payments
A POS app doesn’t stand alone. It is part of a retailer’s IT ecosystem, and payments through the app should not be siloed. Payment gateway services should support all popular payment options on all channels for a unified experience and centralized management.
- SoftPOS
An option for enabling merchants to accept contactless payments is with SoftPOS. It allows merchants to accept contactless payments directly on tablets or other commercial-off-the-shelf (COTS) devices they already use, without needing a separate payment terminal or dedicated device. SoftPOS solutions can integrate with your mobile app for seamless transactions.
- Reporting
Make sure the payment gateway services you choose include real-time visibility into payments. Developers that embed payments into their apps can monitor which users are processing and how much revenue they can expect. You can also offer white-labeled services to merchants using your POS app to give them visibility into activities on their accounts, like voided transactions or gift card purchases. In either case, you have data that helps you keep users engaged and build stickier customer relationships.
How to Find the Right Partner for Mobile App Payments
Datacap offers comprehensive payment gateway services for mobile OS developers. You can leverage dsiEMVAndroid for semi-integrated mobile app payments or offer our SureTap SoftPOS solution for payments directly on Android near-field communication (NFC) enabled devices. Cross-platform tokens help protect payment data and offer processor independence. You can also offer PayLoader management, omnichannel payments, and omnichannel gift cards so you can provide merchants with everything they need to process payments through mobile apps.
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FAQs
What are best practices for secure payment processing in mobile applications?
Best practices for payment processing in mobile applications are much like payment data security in general. Never store sensitive payment data inside your application; use a semi-integrated payment structure and use tokens to remember customers in your app. Also, follow all Payment Card Industry Data Security Standard (PCI DSS) mandates, encrypt data in transit and at rest, use strong, multifactor authentication to gain access to your app as a user or administrator, leverage device security features like biometric authentication, and continuously monitor the app for unusual activity.
How should I choose a payment provider for payments for my mobile app?
Compare options based on fees, how easy it is to integrate with the provider’s solution, and whether the provider supports the payment methods your market needs. You should also factor in the provider’s track record with security and compliance, and their commitment to innovation and continuous improvement.
How can I support one-tap payments with my mobile app?
Your app can allow returning customers to use “stored” payment methods with tokenization. Tokens use random alphanumeric characters to replace payment data but that allow you to charge their payment accounts.
