Best Payment Gateways To Choose for Your eCommerce Mobile Apps


Payment Gateways

Can you believe how easy it is to pay for something or buy something online these days? It happens faster than you can say online payments. In a world surrounded by technology, payment has been evolving. It used to take days to transfer someone’s money through the bank, that is if you have accurate information about the person’s bank details. But now it happens in a fraction of seconds at the palm of your hand through your mobile phones. All you need is a bank account(I know what you’re thinking “no shit sherlock”), a mobile phone, and the internet. These are 3 main components amongst other things. A payment gateway is one such medium through which online payments are possible in seconds.


What is a Payment Gateway?


A Payment Gateway is a software application that is used by payment service providers to process payments for online purchases originating on a merchant’s website it acts as an interface between the merchant’s website and a payment processing bank as an acquirer. Usually, a gateway can be used for many types of payment methods. But for the purpose of this article, we will mainly focus on credit card payments. The gateway ciphered sensitive credit card details to ensure that information is passed securely between the customer, the merchant, and the acquiring bank.


How does Payment Gateway work?


When a customer purchases a product or service on a website that is connected to a payment gateway, the payment gateway performs a variety of tasks to process the transaction. Once the customers have placed their order on the merchant’s website, they select the checkout or payment option and are then redirected to a payment page to enter their payment details.

If the merchant is fully compliant with the necessary security standards, the payment page can be generated on the merchant’s servers, and the cart information collected and passed on to the payment application in a secure way. The payment page can also be generated by the payment gateway application itself, and information can be collected there. Either way, the card details, and transaction details are assembled and stored on the safe and secure surface of the payment gateway. From there, the payment gateway processes the transaction and sends all information to the issuing bank for approval via the acquirer and the relevant card schemes. Once the payments have been confirmed by card schemes, the payment gateway sends the approved transaction back to the merchant’s website and then the merchant informs the customer that the purchase has been completed. Of course, the payment gateway performs various other tasks as well but when it comes to credit card payments, these are the main steps to processing a transaction.

Can you believe that this entire process takes place only within 3 seconds? It takes maybe more than 10 times the time to explain it to someone.


Advantages of Payment Gateways


Here are some of the benefits of using Payment Gateways

  • Open all hours- Even when the world is sleeping Payment Gateways are always open so that there are no payments stopped at any time of the day.
  • Fully Safe and Secure.
  • Easy set-up.
  • Provides a faster payment process.
  • Accepts Multiple Payment options.
  • Provides Fraud management, etc.

There are various payment gateways in the market today but there are actually few which are safe and secure compared to others. so here are the top 5 payment gateways for mobile app


➢    Braintree

whether you are starting out or you’re reassessing your options for the way you do your payments, they offer a strong set of building blocks that will form your own payments infrastructure.

Key features

  • Data Security
  • Accepts all kinds of payments like Debit/Credit Card, GPay, Venmo, Apple Pay Etc
  • Detailed Reporting.
  • Great speed.
  • Stripe

Another one that has managed to enter this list is Stripe. Stripe was founded in the year 2010, by Patrick and John Collison. their revenue is around $400 million (2019) and is still growing.

key features

  • Multiple payment options- Cards, Wallets, Bank debits, and transfers, etc.
  • Suitable for both Android and IOS
  • Supportive Alipay payment method.
  • Easy to save the card for future payments.
  • Secured card management.
  • Full & Easy Configuration.

➢    PayPal

Amongst all other Payment Gateways PayPal is really well known by common users. Paypal incorporates both High-Tech technology for the security of accounts and an excellent financial management system.

key features

  • Privacy and confidentiality of Information.
  • Easy withdrawal via a bank or credit card.
  • Multiple currencies and Automated Conversion process.
  • Multiple Language selection.
  • Bill me later: With an effort to help fast track transactions and help buyers who do not have immediate cash for payments.


➢    AmazonPay

Amazon, the largest marketplace in the world, never passed up an online business opportunity. therefore, it offers its own safe online payment system, AmazonPay. Jeff Bezos is leaving no stone unturned to enter every industry.

key features

  • Instant payment via UPI.
  • Acceptance of Amazon Pay across multiple merchants.
  • Various Cashback offers.
  • Brand Confidence.


➢    SecurePay

SecurePay is a mobile payment gateway. SecurePay is a product of The OLB Group, Inc. SecurePay is rich in advanced features, providing standardized and custom transaction reports processing repeating transactions and maintaining account info via an easy-to-use online interface.

key features

  • Easy Integration.
  • Recurring Billing.
  • Variable Batch time.
  • Good Customer Support.

A payment gateway is an important part of any eCommerce business. Nevertheless, finding the right one that suits your needs is difficult. So, try different types of Payment Gateways and then choose the one that’s best suitable for you or your business, weigh the pros and cons and then choose the right one. But always remember to be safe and take precautions, you can never be too careful when it comes to the internet and Banks.



Boost the ROI of your online eCommerce mobile app store by taking advantage of the best payment gateways. Hire eCommerce mobile app developers and make your online business venture profitable.


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