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Whether you are a business wanting to sell online or a developer wanting to develop a paying mobile or web application, knowledge about payment gateway is critical. The payment gateway you choose will affect your sales directly, so be careful and choose the right one.

Popular Payment Gateway
Popular Payment Gateway


In the E-Commerce market, sometimes it’s hard to know whether the buyer’s credit card is trustworthy. With such a vague environment, fraud frequently happens in online trading. In order to protect the seller’s interest, payment gateway is designed to check the validation of your customer’s information, ensure that they have the appropriate amount of money to pay for your products/services.

Payment Gateway operates in the same way with the POS machine used in supermarkets or stores. The only different thing is, it serves online transactions.


There is a slight difference in the case of mobile application: you would need a merchant account in between. This is where your money stays after going through the authorization check from the payment gateway, and before being moved to your bank account. A merchant account is an essential part of the process. So don’t forget it.

Payment Gateway


The mobile app payment process is as follows: after choosing a favourite product/service, customers will move it to a cart, which is linked to a payment gateway. In this payment gateway, a card processor will receive the request and approve your payment. The payment information will be transferred to the merchant account then. As being above mentioned, it will stay here for several days before being sent to our your actual bank account.


There are 4 important points to consider when choosing a payment gateway provider, which are: pricing model, customer support, card types, and recurring billing.

Pricing Model

The way that payment gateway provider charges you directly affects your income, as they automatically deduct a particular amount of your transaction. Pricing Model is surely an essential criterion to carefully consider. There will be some gateways that require you a small charge when processing your payment. Three common pricing methods are: a fixed fee per transaction, a predetermined percentage from each purchase and monthly fee.

Customer Support

Seems unreasonable, but customer support is worth considering as one of the most important factors. Payment gateway providers with poor service reputation are usually famous for a bad relationship with merchants. Providers can unexpectedly limit your account, leave your payment unable to process without any appropriate reason. There have already been several payment gateways mentioned in merchants’ blacklist for this. If you don’t want your account to be killed all of a sudden, take customer support seriously.

Card types

Not all payment gateways accept the same kinds of debit/credit card. Besides this, some of them even require to link their bank accounts rather than submitting a card.

Recurring Billing

Recurring billing is a feature that allows you to create a payment that recurs over a specific time period. It becomes more helpful in case of charging your customer on a monthly or yearly basis. With a payment gateway that supports recurring billing, you don’t have to worry about performing this action manually. Subscription-based companies or nonprofits who have repeated donors may need this feature.



Here are the 5 most popular payment gateways that support app transaction:

Paypal is obviously the most famous. It has provided mobile payment services for several years. If you are a new-comer to the e-commerce market, PayPal would be a wise choice as there are many supporting features for new users. You will be given a merchant account and allowed to sells goods with small fees: 2.9% + 30c per purchase. It evolves continuously now.

Braintree – a Paypal’s subsidiary. It has fraud protection feature, payouts in 2 days and awesome customer support. Braintree has appeared in 40 countries and supports 130 currencies. It supports payment on Android and iOS platform (and Apple Pay, of course!). Braintree will not charge you for your first USD 50,000 earned. However, when your income exceeds the amount, you will be charged 2.9% and 30 cent per purchase. JIO Health – a healthcare management mobile app and Uber – online transportation networks are examples of how Braintree has maximized user experience with excellent services.

Payment Gateway for Mobile

Stripe – a reliable gateway solution. Stripe has an authorization, check out features for mobile, desktop, analytics,…. and many more. Stripe and Braintree are pretty similar, however, Stripe.js is Stripe’s unique feature. It is web development’s safety transmission standard of the company.

Dwolla – a newcomer in payment gateway market – is the US-only e-commerce company that provide mobile application payment and online payment service. Dwolla has an exceptionally flexible pricing model: Goods with price that is lower than $10 will not be charged transaction fees. But for good with higher price, Dwolla will require you to pay $0.25 per purchase.

It has the ability to pay, invoice thousands of people at once. Dwolla is perfectly suitable for large dollar transactions or transaction types that are not supported by other payment providers (e.g., Bitcoin)

Authorize.NET is properly one of the most popular gateway systems. It provides gateway software for mobile operating systems and websites. Authorize.NET has a lot of features, such as fraud detection, recurring billing, information management and tokenization technologies with its PCI DSS compliance.

Crave-SavvycomCrave -is a business ecosystem that seamlessly connects merchants and consumers, that is integrated with Authorize.NET payment gateway

In case you are looking for such a partner for growth, feel free to contact us – a tech consultant who has been in the industry for 11 years and has been verified for a creative mindset, strong commitment, and outstanding skills. We promise to not only deliver the best social app ideas to accelerate your business but are also capable of translating those initiatives into a seamless and competitive final product. 

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