I'm working on an app-idea that enable users to sell goods and services through the app. For this to work I need to be able to pay users, much like uber drivers are paid for their rides or how snapcash transfers money from one user to another.
Does Apple have any framework to do this in iOS apps?
Does it have to be country specific maybe? So that every user register their bank account and my company takes money from one users credit card and makes a bank transfer to the receiving user.
Any input or pointers to where to find more info on this is much appreciated.
No, Apple does not have a framework to do this, unless you use Apple Pay (in which case it's not a P2P payment).
Your solution will have to be country specific and more. I.E. bank specific. You'll have to have deals in place with each bank you want your system to work with.
I believe you would like to have a checkout option on the mobile. If this is the case, there are lot of options available. It depends on country and what exactly you are trying to achieve.
Please more information to assist you.
Related
Here is my question. I'm working on a app that customers can book flight tickets online. that means they can search for a flight, select it and book.
Now I'm stuck with the payment part( lots of confusions with this part because apple gets 30% for each purchase for digital goods).
but I think selling a tickets goes under service category. correct me if I'm wrong.
Should I use Apple Pay with this ? is this mandatory with after iOS 9 ? or can use 3rd party.
As I know , apple has mentioned that if we are selling physical goods or services we have to use a 3rd party payment process like Stipe.if we go in this method, do we have to pay 30% from each purchase.
In other hand, my clients asked me to implement the payment part with their existing web payment.is this a good idea and , is it that much easy to do this.
need your help and idea with this.
First of all, I would like to clear you that Apple Pay is available only for US, UK, Canada, and Australia on supported iOS devices. The Implementation of Apple pay is very easy follow my article -
apple pay step by step implementation using braintree
In my application, I want to take an order of food, drinks, etc (For Ex. Restaurant app) and deliver or serve them. My applications into I want to generate “CREDITS” using through payment. For Ex, 10$ = 100 credits. Using these credits, I want to accept food orders using through CREDITS (User give payment using CREDITS instead of MONEY).
So, above scenario, As per my knowledge IN APP PURCHASE (IAP) will not be use in app because physical goods are not selling using through IAP.
Another option is Apple Pay, but it is not release universally and limited for some brand. So, this is not an issue.
So, Can I use other payment gateways like PayPal, etc? Please let us know your prior experience or comments. Thanks in Advance.
Yes, you can use PayPal or any other online payment solution.
From my previous experience you can only use IAP if it's a digital goods that will be used within the app, and you're not allowed to use IAP for physical goods (and you can use whatever your heart desires).
Case:
Our iOS app offers selling of custom made recipe packages that would be created for each user specifically. For example - user buys package of recipes, but for each user this package would be created individually, based on users preferences and needs, by someone from the app team. This package should be created in 5 days for example. If app team fails to create this package and deliver to end user in 5 days, automatic refund should be triggered and end user should receive money back that he spent on this in app purchase, thus invalidating purchased custom package.
Problem:
Is this kind of scenario even possible in Apple / iOS world? Can app developer trigger refund process of one specific purchase that end user made? If user isn't satisfied with specific purchase, could app developer trigger this is refund process if he has reference to transaction receipt?
P.S. We aren't really selling custom recipe packages, this was just an example scenario to help to understand this refund scenario case. ;)
EDIT:
If such scenario isn't possible via Apple refund, are there some examples of this kind of purchase model, implemented in some other way? It's hard to wrap my mind that only way for end user to get refund for something is to write Apple and that also needs to be done by user itself.
If you get paid using Apple services (in-app purchases) then NO, it isn't possible for an Apple Developer (business or individual) to refund App Store customers.
The only option is to direct customers to iTunes Store Customer Support as officially stated in the iTunes Connect screenshot below:
To increase the chances for your customers in getting refunded you could provide them with an e-mail stating that you would like them to receive a refund which they could show to the iTunes Support employee.
As a colleague stated, an option would be to use an external payment processor like PayPal which would allow you to manage refunds, but I think this will greatly increase the work needed since you will need to manage almost everything regarding payments on your own.
Also note that this option is highly restricted by Apple to only physical services or goods and sometimes Apple does not approve apps providing services through third-party payment processors. So.. you should be very careful what path you choose to take.
If the recipes you're providing to your customers are in digital format and users receive them in your app, you can be 100% sure that Apple will force you to use the in-app purchase system.
If such scenario isn't possible via Apple refund, are there some
examples of this kind of purchase model, implemented in some other
way?
In some cases you can use payment through PayPal (for example). We did it in our application where we had to take money of users and return it after a certain period. Check if you case is suitable for using third-party payment systems. Because (for example) Apple will restrict your app if you want to sell in-game content via Paypal, not with in-app purchase.
One very simple alternative would be to have your users buy virtual currency in your app that they can then spend on their recipe-package-orders. Since you are managing their virtual currency account balance, you can easily refund, give volume-discounts, etc. as you please. The only thing that will still be hard then is to have users return their virtual currency to get back their actual money.
There is no api for allowing users to refund a purchase (otherwise guess what can happen).
More info here
My app needs the ability to pay different merchants, so essentially I'm acting as a middle man. A user would fill up their cart from one merchant and then I'd present them the whole paypal interface and then that particular merchant would get paid. So first question: is that possible? Or is it only possible for MY account to get paid? If I had 10 merchants, I'd like to directly send them the payment amount (and have them pay the transaction fees).
The other question is discounts. Say a merchant creates a discount of some kind, is it possible with the mobile SDKs to apply these discounts?
My app is for iOS at first but will be quickly followed by an Android and then a web version of it. I don't really care which SDK I use so long as it can meet all my feature needs.
If none of this is possible with any of the SDKs, are there any out there that might accomplish what I need? Thanks.
It sounds like you're describing chained payments. You can utilize chained payments by integrating with classic MPL. The new Mobile SDKs will support these kinds of payments in the future, so keep on the look out!
I'm building kind of a mobile marketplace on which users can offer and buy services that are only valid for a short time (for example, 5 hours).
Is there a possibility to implement a in-app payment method (in iOS/Android) for that? The problem is that in "normal" in-app purchases you have specific, pre-defined goods or services that are bought in the app. In my marketplace, user can offer lots of different services themselves (various products, prices, etc.) so specific products wouldn't help.
Thanks in advance and kind regards,
Clemens
I can only speak for the iPhone
And as you have figured out already, it is not possible. You have to create all your in-app-purchase products in iTunes Connect, and they all have to be reviewed by apple.
And if you mean physical goods when you say "various products" then it isn't allowed anyway.
IAP is only allowed for stuff that is used inside your app.
This answer is about the iOS app store, from what I understand the Android marker is basically the wild west.
The obvious solution is to sell people "tokens" of some sort in the app, then let them trade those tokens to other users for their products/goods/services. Then you need a way to redeem people's tokens for cash, presumably keeping a modest cut "for the house". I don't see anything in the App Store TOS that would outlaw that.