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I'm starting to study a project that mainly will allows users to make payments from their iPhones or Androids. Since I don't have e-commerce experience and also I have never owned a smartphone, I ask you to give me some orientation on what is important when heading this kind of project.

What is making me doubt

  • Is it possible to do this without Apple or Google refusing my app or charging my transactions with amounts similar to 30%?
  • Is google checkout an alternative to paypal or am I getting this wrong?
  • For debit card payment, what are the most common payment services in the US nowadays?
  • How high is the technical complexity of that application? Is it very different to do it for iPhone and do it for Android?

What I already know:

  • The payments have nothing to do with the application itself; this is not an in-app scenario.
  • We would like to go live with Android and iOS, but it would be acceptable to start with only one of them.
  • No credit card information will be stored by the application; a payment gateway like PayPal should by in charge of the actual money movement.

Why am I asking this?

Someone is asking me to develop an iOS or Android application for allowing his cutomers to add money into their customer cards.

Details of the application requeriment:

  • This service would be available only in the US.
  • The application will cost a fix amount to download.
  • It is initially required for iOS or Android but off course, bb's and why not wp7 could need to be supported soon.

Searching Stack Overflow and then the web I came to the feeling of Apple and Google being restrictive to this kind of applications, I also would like to know if it is true.


I've found Starbucks' mobile app to be a very good example of what I need as the link says: To reload the card, customers can link it to a debit, credit card or PayPal account

I wonder if doing that is possible for any application or if there is a commercial agreement between Starbucks and Apple behind.

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closed as too broad by gnat, MichaelT, Ixrec, Bart van Ingen Schenau, amon Feb 21 at 17:12

There are either too many possible answers, or good answers would be too long for this format. Please add details to narrow the answer set or to isolate an issue that can be answered in a few paragraphs.If this question can be reworded to fit the rules in the help center, please edit the question.

you can provide payment support in two ways ,

step 1 :By Inbuilt API's from Payment Comps like Paypal,CHASE etc.

Its easy & also security concerns are managed by provider & no need to write server side code but it is limited to certain features , where we can't customize it to our needs to a max level

step 2 : you need a create a server side API like iPhone - Server API - Payment System - got back response - pass result to iphone through server api as status.

where step 2 will needs server side support like php or any other & its highly customizable but security concerns we need to manage ourself.

Regarding App Submission , i dont see any rigorous measures in both plateform as we have submitted nearly 10 ecommerce apps.

so decide which kind of you want to use.

There's still a lot but i m not aware of them - still learning ....

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