Payment systems: a practical guide to making your application secure and profitable
For an application whose aim is to offer products or services, the integration of a payment system is an essential step. These systems ensure the secure transmission of users' sensitive information and guarantee the fluidity of online transactions. A successful payment experience can turn a simple click into a moment of satisfaction, where everything seems to flow naturally.
Integrating such a system can vary in complexity, depending on technical requirements and desired functionalities. To the questionhow do I monetize an application?"Some solutions offer a user experience that's as pleasant as it is intuitive, and are modern, ready to use and, above all, adapted to your company's most specific requirements. In this guide, we invite you to take a tour of the interesting questions surrounding the creating a code-free applicationhow to secure and make profitable a payment system for a mobile application.
How to integrate a mobile payment like an expert (secrets revealed)?
Step 1: Search for and select a payment method provider
A poor payment experience can deter up to 69% of your users from completing a sale (*1).
Before consideringintegrating a payment system into a mobile application, it's important to choose the right partner. You need to take the time to compare offers, ask the right questions, and make sure that the proposed service meets the expectations of the company and its users.
To find the ideal supplier, ask the following questions:
- What security features are included?
- How do you manage PCI DSS compliance?
- What is your pricing model? Are fees negotiable?
- How does your payment method adapt to mobile users?
- Can we customize payment screens to reflect our brand identity?
- Does the payment method support recurring payments?
- What types of cards and mobile wallets are supported?
- Do you offer localization options for international payments? What currencies do you accept?
Step 2: Set up a merchant account to accept payments
The integration of fast, secure payment reduces the cart abandonment rate by 40%. (*2).
A merchant account is required to receive payments. It acts as an intermediary account where funds are temporarily stored before being transferred to the company's bank account. It's a bit like a secure mailbox, where each transaction waits patiently for its turn to be processed.
Many modern payment providers also offer integrated merchant accounts, enabling you to manage both pre-transaction parameters (payment methods, security, recurring payments) and post-transaction processes (refunds, chargebacks, funds transfers, etc.). For example, with a Google Play developer accountdeveloper account, you can easily integrate payment systems adapted to mobile applications.
If you prefer to separate your merchant account from the payment method, make sure that the latter integrates easily with your existing payment solution.
Step 3: Configure payment methods and other settings
67% of users prefer to have several payment options when purchasing in app or subscription (*2).
Once the merchant account has been created, it's time to configure payment methods and customize the interface. In the administration area, select the desired options: credit cards (Visa, Mastercard, etc.), mobile wallets (Apple Pay, Google Pay) and, if required, recurring payments. You also define the countries and currencies accepted, and customize the payment page to reflect your brand's visual identity. This is where the application starts to come alive, to become a natural extension of the company.
With Apptreeyou can easily integrate these different payment methods thanks to its intuitive interface and customization tools. Our application builder no code application builder also simplifies the configuration process, allowing you to quickly define geographical parameters and currencies, while guaranteeing a smooth and secure payment experience. With Apptree, every payment is a victory: fast, smooth and perfectly integrated!
Step 4: Get the payment API and integrate it via code, SDK or widgets
74% of developers prefer to use SDKs to integrate third-party functionalities, as they enable faster integration and simplified maintenance (*3).
Once the configuration is complete, it's time to integrate the payment method into the mobile application. This depends on the provider chosen, but most offer an API enabling developers to access the payment infrastructure in real time.
Three common methods
integration :
- Manual coding : Developers add payment API
directly in the application code.
- SDKs (Software Development Kits) Development kits supplied by the service provider to facilitate
integration with a minimum of code.
- Widgets Some suppliers offer widgets that
can be integrated in a single line of code.
If you want to create an app with simple, efficient payment solutions, using SDKs or widgets can greatly simplify the integration process.
Step 5: Test and optimize the payment method before launch
Errors undetected before launch can cost you up to 30 times more expensive to correct after the application has gone live (*4).
Before putting the system online, it must be tested in a simulation environment. This enables any errors to be detected and corrected. Once the tests have been validated, the payment method can be activated. All that remains is to monitor the transactions to ensure that everything is running smoothly, and to adjust the parameters if necessary.
If you're wondering "how do you create your own application?use an App builder like Apptree can help you easily integrate payment solutions. When you're ready to publish your app, you'll need to configure some parameters in the Google Play Console to ensure that your payment system works correctly on all platforms.
Payment integration has never been easier thanks to Apptree: here's why!
Having explored the various steps involved in integrating a payment method, it's important to mention that some platforms make this process much easier. Apptree distinguishes itself by offering quick and easy integrations with payment solutions such as Stripe and Molliewhich enable businesses to manage their online transactions efficiently. These integrations not only guarantee the security of sensitive user data, but also deliver a smooth, intuitive experience, essential for maximizing customer satisfaction.
Thanks to our App Builder no code, even companies with specific needs can benefit from complete customization of their payment systems, without the need for complex development. It's like having an invisible ally, always ready to simplify things so you can concentrate on what's important: your business and your customers. With Apptree, say goodbye to technical complexities and hello to ultra-simplified payment management!
Conclusion
In short, integrating a payment system into a mobile application is a key step in ensuring the security, fluidity and profitability of online transactions. It's essential to choose the right payment provider, set up merchant accounts correctly and test payments thoroughly before launch. By adding features such as SDKs or widgets to simplify integration, and customizing the user experience, you offer a robust and secure solution. With Apptreeyou benefit from a no-code App Builder that makes payment integration quick and easy, so you can focus on what's important: your business and your customers.
Sources :
(1) : Payment experience: Definition and key aspects/Author: Aldrin Velázquez, questionpro.
(2) : E-commerce cart abandonment rate: how to reduce it /Author : Mehdi Tazi, bridgeapi.
(3) Integration of mobile payment solutions: a complete guide/Author: Antoine, Creation e-commerce
(4) Mobile payment: what you need to know in 2025/Author: banque.meilleurtaux.
