How to Integrate Payments Gateways Into eCommerce Mobile Apps

Everything you need to know about integrating a payment gateway into your mobile App, keep reading.

How to Integrate Payments Gateways Into eCommerce Mobile Apps

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2020 added 300 million new mobile payment app users worldwide. Chances are that if you’re launching a mobile app — you’re going to want to take payments. To do that you will need to integrate payment gateways into your app.

What are Payment Gateways and How do You Integrate Them?

Payment gateways act as the intermediary between a customer’s bank and the merchant’s bank, ensuring that transactions are completed safely and securely and that payments are processed on time. 

However, integrating payment gateways into eCommerce mobile apps can be complex, requiring a deep understanding of the transaction’s technical and financial aspects. 

This is why businesses of all sizes must clearly understand the steps necessary to integrate payment gateways into their mobile apps successfully. 

In this blog post, we’ll explore some essential tips and strategies for integrating payment gateways into eCommerce mobile apps and discuss the various factors businesses should consider when selecting payment gateways.

More About Payment Gateways

Payment gateways are online tools used for processing electronic payments. A payment gateway serves as a secure link between an online business and its customers, allowing for the smooth and secure transfer of funds. 

These gateways offer various payment options, such as credit cards, debit cards, bank transfers, and e-wallets. 

They provide encryption and other security features that protect sensitive personal and financial information, ensuring that transactions are conducted securely. 

Payment gateways are essential for online businesses that require secure and reliable payment processing.

Benefits of Payment Gateways 

When you build an ecommerce app for your business, you need a way to capture and secure important customer payment information. Integrating payment gateways is exactly how you achieve this. 

These gateways provide a secure and convenient way for customers to make payments, increasing business sales and revenue. 

Additionally, payment gateways simplify the payment process by automating transactions and reducing the risk of errors. This helps businesses save time and resources and enhances their professionalism and credibility. 

Payment gateways also provide businesses with valuable data and insights that can be used to improve their operations and customer experience. 

Overall, payment gateways are essential for businesses looking to increase their online presence and simplify payment processes.

10 Ways to Integrate Payment Gateways Into Your Ecommerce App Successfully 

If you want to know how to integrate a payment gateway into your eCommerce gateway, read this blog.

1. Understand The Basics of Payment Gateways And How They Work

To integrate payment gateways into eCommerce mobile apps, it’s essential to understand the basics of payment gateways and how they work. 

Payment gateways serve as the liaison between the customer, the merchant, and their respective banks. 

When a customer purchases an eCommerce mobile app, the payment gateway securely captures their financial data and transmits it to the relevant banks for processing. 

The gateway then returns the result of the authorization request to the merchant, allowing them to either approve or decline the transaction. 

The process takes seconds, leaving the customer with an effortless and straightforward purchase experience. Understanding how payment gateways work when integrating them into your eCommerce mobile apps is critical. 

It ensures that your customer’s financial and personal information remains secure throughout the transaction.

2. Choose a Reliable Payment Gateway Provider That Meets Your Business Needs

Choosing a reliable payment gateway provider is crucial in integrating payment processing functionalities into your eCommerce mobile app. 

Such a gateway is essentially the technology that enables your app to securely process customer payments using their credit or debit card information. 

With so many payment gateway options available in the market, selecting one that meets the unique requirements of your business can be overwhelming. 

It is important to thoroughly research and compare the different payment gateway providers before selecting one that best suits your business needs. 

Factors such as transaction fees, payment options, security features, customer support, and compatibility with your eCommerce platform should be considered. 

By choosing a reliable payment gateway provider, you can provide your customers with a seamless and secure payment experience while ensuring the uninterrupted operation of your eCommerce mobile app.

3. Ensure That The Payment Gateway Has the Necessary Integrations With Your Mobile App Platform

Before integrating a payment gateway into your eCommerce mobile app, it’s crucial to ensure that it supports the necessary integrations with your mobile app platform. 

Your chosen payment gateway should have SDKs (software development kits) and APIs (application programming interfaces) to enable smooth integration with your mobile app. 

This will ensure that the payment process is seamless and user-friendly. The integrated gateway should also support popular mobile operating systems like iOS and Android to maximize your customer base. 

By checking the integrations between your payment gateway and mobile app platform, you can guarantee your customers a faster, more secure, and more efficient checkout experience.

4. Obtain an API Key or Credentials From The Payment Gateway Provider

One of the most important steps in integrating a payment gateway into an eCommerce mobile app is obtaining an API key or credentials from the payment gateway provider. 

This process typically involves creating an account with the payment gateway provider and completing an application to obtain the necessary credentials. 

Once you have been approved and your account activated, you can retrieve your API key or credentials from the payment gateway’s developer portal or API documentation. 

It is important to follow the payment gateway provider’s documentation closely and ensure that you understand how to authenticate properly with their API using the credentials you have obtained. 

This will help ensure your integration is secure and compliant with the payment gateway provider’s requirements.

5. Use The Payment Gateway Documentation To Integrate The Gateway Into Your Ecommerce App

Integrating payment gateways into an eCommerce mobile app is essential for businesses that wish to convert browsing consumers into paying customers. 

Once you have vetted the payment gateway options and selected the one that suits your business needs, the integration process is relatively straightforward. 

To integrate the payment gateway into your mobile app, you must rely on the documentation designed for this purpose. 

The documentation will provide all the technical details, including API endpoints, request parameters, and sample codes, for use in your mobile app’s source code. 

It is important to follow the payment gateway documentation closely to ensure it is integrated correctly and that the payment process runs smoothly without any hiccups.

6. Test The Payment Gateway Integration Thoroughly Before Going Live

Testing the payment gateway integration is a crucial step that should not be skipped when integrating payment gateways into eCommerce mobile apps. 

Before going live, thoroughly testing the payment gateway ensures that everything works as expected and prevents any loss of revenue or credibility due to payment errors. 

To begin with, payment testing should cover all payment modes, such as credit cards, digital wallets, and bank transfers. 

Testing various payment scenarios, such as successful payments, failures, retakes, and refunds, is also essential. 

Testing must also cover multiple tracks, such as the app, web, and mobile browsers, to ensure customers can use different payment channels. 

Therefore, before deploying the app, it is essential to conduct extensive testing to eliminate any glitches in the payment gateway integration and ensure seamless payment processing.

7. Consider Offering Multiple Payment Options To Customers To Increase Conversion Rates

As an eCommerce merchant, increasing your conversion rate is critical to your bottom line. One key strategy to consider is offering multiple payment options to your customers. 

By providing different payment options, you cater to the diverse preferences of different customers and give them a sense of control over their payment experience, improving their overall satisfaction with your eCommerce mobile app. 

Additionally, offering multiple payment options can improve customer trust and credibility, showing that you are invested in providing secure and convenient payment options. 

To maximize the effectiveness of this strategy, it is important to research and choose payment gateways that are popular in the markets you serve and ensure that they offer a seamless checkout experience within your eCommerce mobile app.  

Integrating multiple payment options into your eCommerce mobile app can lead to increased conversion rates and a more seamless and satisfying customer experience.

8. Ensure That Your Mobile App Is Secure And Meets All PCI Compliance Requirements

Security and compliance are crucial for integrating payment gateways into eCommerce mobile apps. 

One of the most important steps is ensuring your mobile app is secure and meets all payment card industry(PCI) compliance requirements. 

This means taking the necessary steps to protect user data and payment information, such as encrypting sensitive data and implementing multi-factor authentication. 

Additionally, integrating with a trusted and secure payment gateway provider can help further ensure the security and compliance of your app. 

By prioritizing security and compliance, you can build trust with your customers and help prevent potential data breaches or other security incidents that could harm your business’s reputation.

9. Provide Clear And Concise Checkout Instructions To Reduce Cart Abandonment

Providing customers with clear and concise checkout instructions is crucial in reducing cart abandonment rates. 

As customers progress toward the end of their shopping journey, it is essential to have an intuitive and straightforward checkout process to guide them toward finalizing their purchase. 

This process can be simplified by integrating a payments gateway into eCommerce mobile apps that ensure a seamless transaction experience. 

The checkout instructions should include all necessary fields for billing, shipping, payment details, and any relevant information regarding taxes, shipping fees, and estimated delivery times. 

Additionally, merchants should make checkout as frictionless as possible. 

Overall, clear and concise checkout instructions help provide a positive experience that encourages repeat purchases and builds customer loyalty.

10. Monitor Payment Gateway Performance To Troubleshoot Any Issues

One critical step after integrating payment gateways into eCommerce mobile apps is monitoring their performance and troubleshooting issues that may arise promptly. 

A seamless customer experience is crucial to the success of any online business, and payment gateways play a significant role in achieving that. It is essential to regularly monitor the performance of payment gateways and ensure that they operate smoothly without any glitches.

If you encounter any issue with the payment gateway, troubleshoot the problem promptly to avoid frustrating the customer. 

Ensuring customer satisfaction is crucial to checking for errors and verifying that all transactions have been processed successfully. Any delay or failure in processing payments may result in a negative customer experience, leading to cart abandonment and even loss of customers.

To keep track of payment gateway performance, you can set up alerts and notifications that provide immediate feedback whenever there is an issue. 

This way, you can proactively resolve any problem before it escalates into something more significant. Additionally, ensure that you have a dedicated team assigned to manage payment gateway issues, and they are always available to respond to customers’ concerns.


To wrap it up, integrating payment gateways into eCommerce mobile apps is essential to facilitating seamless online transactions. 

As mobile commerce grows, providing secure and reliable payment options has become increasingly important for businesses. 

By following the right steps, businesses can integrate payment gateways into their mobile apps and streamline the payment process for their customers. 

The key is identifying the right payment gateway provider, considering security and data privacy, and prioritizing user experience to ensure a successful integration.

If you are looking to move into this you can get in touch with the best ecommerce app development company. They will provide you with a free consultation and help you to integrate payment gateways into your eCommerce app securely and properly. 

Hope this will be helpful for you.