For applications such as mobile payment apps, online stores, or any app that enables online transactions, it is imperative that a payment system is integrated into the application. Payment systems help facilitate online transactions by acting as an intermediary between merchants and banks. 

 

In a simplified manner, the mobile payment app procedure can be explained in the following simple steps: 

  • Customers add what they want in their cart and head to the payment page.
  • They enter their card details. This information is sent to the payment gateway.
  • The payment gateway then sends the card details to the respective bank it is registered with 
  • The bank relays this information to the payment system 
  • The payment system goes over the card details provided to evaluate whether it is eligible for the transaction 
  • The bank sends an authorisation code for approval to the payment system to finalise the payment.
  • After this, the code is relayed over to the payment gateway. 
  • Once approval is received from the bank, the money is sent to the merchant’s bank account. 

It is evident from the steps mentioned above that integrating a payment system is integral in the entire process. However, many merchants struggle to do so with a pre-existing payment app. The steps to integrating a payment system into an already existing Fave app will be elaborated upon below: 

 

How can you integrate a payment system into an app?

Every payment service provider has its very own software development kit. Alongside this, to initiate the integration process, the payment provider must also have all the required documentation for the process. An excellent feature of using the software development kit of a pre-established payment gateway is that you do not have to worry about the safety of operations. Although the integration process with a payment app may vary slightly depending on the gateway, the main steps remain the same.

 

Step 1: Setting up for your client to call the server

The very first step of the process constitutes setting up the platform for the client to call the server. This can be achieved by:

 

  • Download and install the software development kit of the payment gateway. 
  • After downloading, you must input your credentials. 
  • Select the option wherein the client calls your server, thereby helping you fetch the client’s tokens
  • After setting up the initial foundation, follow the steps provided in the documentation of the software development kit to set up the client fully. 
  • Once the set-up process is complete, call the server for the processing of the payment. 

 

Step 2: Setting up for your server to call the app’s payment gateway 

 

Over the course of this step, your server must be set up to call the app’s payment gateway and finally establish it by executing the payment. For this, you need to initialise the payment app’s software development kit. The steps to do this are: 

  • The application’s software development kit (SDK) module must be imported
  • Set up a gateway system by using the app’s access token
  • Create a URL to return the client’s token back to the browser

After initiating the software development kit, you have to set up the payment. To do this, you should follow the subsequent steps: 

  • Create a URL to receive requests from clients
  • Ask the request body to give you nonce (number only used once)
  • Establish parameters for clients and merchants to successfully execute payments
  • A nonce such as an OTP should be set up as well to ensure security  
  • Call the payment gateway to finish the payment

Once you have followed all these steps, your app will be able to return successful responses back to the client. Many other apps also give provision to offer cashback app, which can be set up as well once the gateway is integrated.