July 24, 2021

How do we integrate payment systems to websites and mobile apps which help clients to generate revenue?

Today mobile devices are not available for communication and entertainment purposes only, now users also do online shopping from it. In this world of digitalization, now everything from a person to a product is one click away. Online payment has become an integral part of our life in the past few years.

As per the research & report, the online transactions through mobile apps will be reached $14 trillion by 2022. Whether you want to book a banquet hall for the wedding or want to eat food, pay online and get it done within seconds.
Payment Systems
The company started generating more revenue after the digital payments, as now there is no need to carry cash or cards. Everything can be done on the phone. No matter if the business is big or small, online or offline, every business can hire an experience app development company for payment integration with online applications.

What is a Payment Gateway?

Payment Gateways are the way to purchase through mobile applications. It works as a mediator between the payment processor and the transaction a customer wants to do.

What is the requirement of the payment gateway?

A customer cannot use his/her card physically on the POS terminal like normally when buying something from a brick shop. You can only rely on the card information that a customer is entering on the payment page. How will you know that the card customer is only using their card? The fraud risk is higher here, payment gateway saves both the seller and customer from such frauds.
If you remove the payment gateway from the mobile payment system, the fraudsters will have easy access to your data and all your card information will be opened to them.
A payment gateway offers security to you and your customer’s payment data. For online businesses the payment gateway relies on the information provided by the customer and merchant, keeping fraudsters and threats away from your personal information.
Besides this, payment gateways save businesses from an expired card, insufficient funds, closed accounts, fake accounts, or exceeding credit limits.

What is the payment process through online gateways?

When you order food or buy something online, the respective website and online application offer you the option of online payment through the integrated payment gateway system. To make the payment process successful you need to enter the required details.

#Step1. Enter the card information in the mobile payment system

#Step2. The payment gateway will send the entered information to the respective bank of your card

#Step3. Bank will send a request to your mobile payment system like MasterCard, Visa, etc.

#Step4. The payment system will analyze the terms of the transaction.

#Step5. Bank will send a confirmation code to make the payment

#Step6. The code will be sent to the payment gateway, if the bank approves the transaction will be done and the money will be transferred to the seller’s bank account.

What do you mean by Inside App Payment Systems?

1. Payment for Selling through the third platform
When you sell products/services outside the app, both Google and Apple recommend using a third-party mobile payment system. Online businesses can integrate the SDK as an app payment gateway for all transitions with banks with ultimate security of the customer’s data.
2. App store for online purchasing

Integrate your application with the In-App Billing API of iOS and Android to sell subscriptions, premium features, and additional services. Google and Apple avoid the third-party payment gateways and take 30% of each transaction made within your application.

Companies that have online payment gateway facilities have high revenue generation compared to those that don’t. When you use In-App Billing API, you are allowing your users to use their Apple store. Google Play or Gmail accounts to make the payment.

What are the Top Payment Gateway Provider Applications?

There are numerous payment gateway providers available globally with different terms, different charges and different functionalities. Choosing one might be tough, but having one is required if you are dealing with online payments. Here’s a few major payment gateways that can be considered:

1. PayPal
PayPal is the most popular gateway. It is providing mobile payment system services in almost 200+ countries and does payments in 25 currencies. A company has to pay 2.9% of the total transaction and in addition $30 per transaction.
2. Citrus
Citrus Pay is the popular Indian Payment Gateway. It is safe and supports MasterCard, Visa, etc. It also offers a Citrus cash-like citrus online wallet.
3. CC Avenue
CC Avenue has multiple options for online payment. CC Avenue extends support for almost six cards including JCB, master card, visa, American Express, etc. It allows payment in 27 different currencies and 18 different languages.
4. Braintree

Braintree has in-built fraud security, live customer support, and payouts in two days. It is available in nearly 40 countries and offers transactions in 130 currencies. Also, it comes with a Software Development Kit for both iOS and Android applications.

Braintree charges 2.9% of the total amount and an additional charge of $30 per transaction. For Direct debit transactions, it charges a fixed price of 0.57% per transaction.
Payment Gateway

How to integrate the CC Avenue in PHP?

CC Avenue integration can be done by PHP, HTML, and SDK. The integration of the CC Avenue is just like any other application like PayPal and Braintree. CC Avenue is the best for big businesses and offers a secure gateway payment platform.

It also offers SSL encryption. CC Avenue supports four types of integration methods as CC Avenue Billing Page, iframe Checkout, Custom Checkout form, and a shopping cart for all types of small and big businesses.

Here is an example of how to integrate CC Avenue through PHP:
CC Avenue Integration through PHP is so easy anyone can do it with the help of documentation. To integrate the CC Avenue Payment gateway follow the below steps:
  1. 1. Firstly, create a business or merchant account.
  2. 2. After login into the business account, download the integration kit of CC Avenue.
  3. 3. Collect the required security keys like Access Code, Working Key, and merchant id.
  4. 4. Verify the CC Avenue Security Keys.
  5. 5. And test in the PHP.
  6. 6. Follow the integration kit to initiate the payment.
  7. 7. Create response pages to notify the payment status to cancel or successful.


Along with the increase in online shopping, the need for safe and advanced online payment methods has increased. Payment Gateway has eased the way of online shopping and transactions. These gateways are safe and offer high confidentiality to your personal details. Now. Both online and offline businesses can generate huge revenue using the online payment mode.

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