Working of Apple Pay in iOS swift - ios

I have integrated the code required for Apple Pay in my app based on the documentation available with Apple.
However, as a beginner, I have a doubt.
We have not used any third party payment processors like PayPal, Stripe etc.
Is it mandatory to use a third party processors? Can we just use the code and passbook/wallet and do the transactions?
Note: Merchant IDs, Payment certificates are created in the developer account.

Based on Apple documentation a payment provider is recommended but not mandatory.
Using one of these SDKs or hosted solutions is highly recommended
About develop your own payment process...
The alternative is to provide your own server-side solution to receive
payments from your app or website, decrypt payment tokens and
interface with the payment provider to process the authorization.
Handling credit and debit card payments can be complicated and unless
you already have the expertise and systems in place, an Apple Pay SDK
or JS API from a payment provider is the quickest and most reliable
way to support Apple Pay in your app or website.
In my opinion, It's better use a payment provider than develop your own. You're working with money, credit cards numbers...

Related

Stripe allowed for split payments to vendor direct to bank account in India?

I need to integrate the Payment gateway to the React Native mobile app India.
I am using rails 6 in Backend. As per my application, I need to do a split payment between the vendor and the platform.
The important thing is that the vendors are very small and they do not have the stripe account so I need to make the payment to their Bank Account directly without getting into their stripe account.
As per my research, I can do that here but it's not possible for India.
Am I missing something, is it possible with stripe?
I also did research with razorpay and there is a gem for that here.
Does anyone have experience with that?
Thanks
To make payouts to vendors you must use Connect and fund recipients must have connected accounts. Note there are some limitations on platforms in India. You can use, for example, Custom accounts that you manage and take advantage of Connect Onboarding to collect identity information, then you can collect payout bank account information on your platform and manage payouts to your vendors.

Do Apple's iMessage Extensions allow: Custom Payment providers and Custom Authentication?

We would like to port our existing application to iMessage soon.
Our application uses traditional Register / Activate through email, Log-In, then Browse the goods, Make a purchase, pay with your credit card.
We use a reputable payment processor and their tokenization services to process the credit card payment.
My questions are two-fold:
Does Apple allow the use of Custom Authentication (Sign up, Activate, Log-in with your own systems)?
Does Apple allow the use of Non-Apple Pay payment processing. Capturing CC information in the iMessage Extension app and tokenizing it using our existing payment provider?
I could not find any information about it. All documentation for new features largely includes info on things that are newly supported, but they do not like disclosing things that are restricted.

Third party payment gateway for membership plans

I want to use third party payment gateways for allowing users to subscribe to various membership plans.
Once user subscribes to any of these membership plans he will get additional services in the app as well as on website. so the content consumption is inside as well as outside of the app.
In current version which is on the app store we are using IAP for this but want to know if any third party payment gateway can be used for this kind of product.
I have only experience with Braintree and Stripe. Both offer subscriptions/recurring billing that seems to be what you are looking for.
https://www.braintreepayments.com/products-and-features/repeat-billing
https://stripe.com/subscriptions

Can we use Apple Pay for Customer to Customer application?

I am new to Apple Pay. We need to develop an application in which we need to pay from Customer to Customer. I have checked out official documentation of ApplePay for payment from the documents given on below link.
https://developer.apple.com/apple-pay/
They have mentioned that customer can pay to merchant for Service or goods.
But if we need to accept make payment one customer to other customer then it is possible or not? If it is possible then how can we accept it?
Thanks in advance!
Apple Pay can be used to make any payment into a merchant's account, using one of the payment providers that Apple Pay supports. Currently Apple Pay supports payments using Braintree, Stripe and others (see their web page). It's up to you what you do with the money once you receive it, you could transfer it to another user, but not using Apple Pay.
You'd want to use a payment provider that supports customer to customer payments, like Paypal.

Can QuickBooks Online be used as merchant account while authorize.net is used as payment gateway?

Our client has QuickBooks Online, and our platform supports only Authorize.Net as payment gateway. We don't want to write code from scratch, plus a merchant account is needed anyways, so can we use QuickBooks Online as merchant while Authorize.Net is used as payment gateway?
If yes, what are the steps?
The question you're asking is akin to asking something like:
Can I use an onion as my car?
i.e. Your question doesn't make any sense.
QuickBooks Online is not a payment gateway, and it's not a merchant account. In fact, it has nothing to do with charging credit cards what-so-ever. It's an online accounting software. It doesn't charge credit cards.
Your client might be using Intuit Merchant Services (a payment gateway/merchant account) from within QuickBooks Online though. However, that's a separate service, and it's not Authorize.net compatible - you'd have to write some new code to support it.

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