I'm building an app that registers people for an event and charges them a registration fee. I've got most of it built but I'm having trouble actually charging them. I've read the guidelines and don't want to use apple's in-app purchase method because they charge a big fee and the goods being purchased aren't digital or for in-app use.
I've looked at doing paypal and I think that should work fine for me, I've already started playing around with their sdk and sandbox. However, I would also like the ability to charge a credit card. I found card.io that looks like it works really well but that just gets me the card information, it doesn't give me a way to actually process a transaction. Also, I know there are card readers like Square out there but I'd like to do everything in my app, not need the user to switch out to a processing service. Any ideas on how I can make this work? Thanks!
If you use a service like Balanced or Stripe you can tokenize your card info straight from the phone, this will save you having to process it via your server which keeps the PCI hassle low. These services are only for tokenizing and charging cards, if you're looking for a way to capture card info e.g. scanning or swiping the card, then a service like card.io or Square is what you want.
If you don't want to get the assle of the PCI-DSS certification you could use Braintree in combination with card.io.
Braintree offer an ios sdk so it won't even hit your server. (See https://www.braintreepayments.com/mobile-payment-processing.)
Card.io just let youscan the card, but when youget the card info back youcould push it to the braintree api.
Since what you are selling is a "service" you don't need to use the Apple in-app service.
You might look at the newly released PayPal iOS SDK.
Looks like you're looking for a Square solution but in your own app. You might want to check out CardFlight (https://getcardflight.com), as they provide the hardware and an SDK so that you can process payments within your own app. They work with your processor so you can still use Braintree to process the payments.
Full disclosure: I am currently working on this. We realized that there was a huge opportunity to provide the software and hardware so that people can accept physical card payments within their own app.
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I'm in the process of making an iOS app. This will be my first iOS app. It is based on making phone calls using calling cards. The customer will buy the calling cards in the real world and they will get a pin which they would need to enter in the app. Through this pin they will get the credit to make the calls.
I went through the submission guidelines. Usually when a app requires the user to buy something from with-in the app, then IAP is used but here the purchase is being made in the real world, without using the app. Do I need to integrate IAP into the app? Will Apple accept the app into the app store?
Any help is appreciated.
Thanks
As your requirement suggest
The customer will buy the calling cards in the real world and they will get a pin which they would need to enter in the app. Through this pin they will get the credit to make the calls.
It means you are dealing with somewhat physical stuff like customer will buy the calling cards in the real world so at that time he/she must have to pay something for that. so there is no need to integrate IAP in this scenario.
IAP is only for the stuff/service that will provide within the app by service provider. for physical service you can exclude the IAP. if you give proper description and explanation to apple when you submit your app for the review apple will definitely approve it
hope above answer will help you
I think you're in a grey area because it all depends if Apple thinks the credit is consumed in the app. If considered consumed in the app, you may have a problem. Try to find another iOS telephony app that uses cards, one that's well know enough to be sure that Apple may have had a good look.
If you'd give users game credit with physical cards, it's clear that Apple would not allow this.
What makes this a grey area is the telephony side: If it's a VoIP app you could argue that the the credit is (partly) consumed while using the app. But you could also argue it's outside the app on the VoIP/telephony network.
If it's not a massive investment, I'd try the calling card route first.
You could try ask Apple, but you'll probably won't get a clear answer as they want to see the app first. I've tried this a few times in the past. Makes sense because they don't want to make promised based on what you write in an email.
I would like to include Paypal as a peer-to-peer options to pay back friends in my iPhone app.
However, when I search online for Paypal iOS, it says that I should use Braintree now.
It's pretty easy to use and include in the application.
But I don't know if and how Braintree handles peer-to-peer.
I suppose it should, since Paypal doesn't approve Adaptive Payments anymore.
Adaptive Payments is now a limited release product. It is restricted
to select partners for approved use cases and should not be used for
new integrations without guidance from PayPal.
So how to include peer-to-peer in my application now?
I came across your question, because I have the same issue. I was on the right track using Adaptive Payments, and then came back to work on it to see that lots of things had changed. Also, both the sender and the receiver have to sign up for PayPal to make peer-to-peer payments.
I switched to using Braintree - here's their iOS setup page.
From my understanding, you just have to manage payments between the two parties. The payer would pay you, and then you would in turn pay the payee.
For example, A --> Your App --> B.
I'm working on the same thing, so when I make some headway, I'll come back here. Otherwise, if this doesn't work, Stripe it is!
Good luck!
After some extensive googling, I managed to find the answer here : setting-payee
You need to add new "payee" object in "transactions" array along with "amount" and "description".
So I have a RESTful Api service which has free and pay'ed stuff. Anyone can create an iPhone/Andriod/MSPhone app that leverages our api.
Bad analogy: imagine we're creating a chat api service for Steam .. and you can pay for more people in your friends list, instead of getting them via steam-experience/steam-levels. So now anyone can create a chat client (on any platform) .. and they use our REST api.
So, for anyone creating an iPhone app, are we allowed to accept credit card details and HTTPS POST them to our webserver .. where we call another payment gateway (eg. Stripe, paypal, etc.) to do the processing.
WE NEVER STORE ANYTHING ** (besides the receipt from Stripe, etc.)
Are well allowed to program this into our iPhone app? Or is that illegal?
Can we also offer bitcoins as a payment option?
(Note: we're not really using Stripe .. but they are a well known payment processor, which helps explain this question).
Below news is a big win for iOS developers. If it comes to effect then nothing like it.
https://in.pcmag.com/iphone-apps/144790/judge-apple-must-let-ios-apps-include-third-party-payment-options
Judge: Apple Must Let iOS Apps Include Third-Party Payment Options. The injunction, which takes effect in 90 days, threatens to upend Apple’s control over the iOS ecosystem.
As per this rule, no matter what you are selling from iOS apps, developers should be allowed to use 3rd party payment gateways.
For real goodies you can not use IAP.
For virtual goodies consumed into your app you are allowed to integrate 3rd party payment gateway as long as you also implement IAP. Also note the price for your product through the IAP shall not be higher then through 3rd party payment gateway.
Also thing about your product, if it is non-consumable you need to provide mechanism to restore the purchase.
I am developing an iOS App. In that I want to sell books to the User. In simple words, I want Payment Gateway Integration in my iOS App. My Research shows that we have option to use Apple Payment Gateway API but for every transaction they will charge 30% for them.
Is there any other way to implement this and Apple will approve ?
The Apple payment gateway/API is for in-app purchases (of virtual goods, apps, etc). For physical items/items which have value outside the app, you're free to use whatever payment gateway/API you wish, such as PayPal (cool new SDK for US-based payers), Square (not available in Asia), or any local online payment gateway that you have available depending on your region.
You can provide a web interface where you can implement payment gateway. and generate a token which user can use for purchase the book.
But still you need to provide In-App purchase (Apple provided) in case of e-book and in case of physical book i don't think you need in-App purchase you can use above way or any other way which you think better.
If you're looking for an SDK to accept physical payments within your app, then check out CardFlight (https://getcardflight.com). They provide the hardware and SDK so that you can accept a physical card swipe and handle the payment processing, all within your own app.
Full disclosure: I am currently working on this. We realized the opportunity for an open payment platform that processes credit card swipes within your own app when we realized there wasn't anything like this on the market.
In terms of payment/charging Apple payment gateway/API is for in-app purchases (of virtual goods etc.). For physical items which have value outside the app, I guess you're free to use whatever payment gateway/API you wish, such as PayPal (new SDK for US-based payers) who introduced a new mobile SDK that allows iOS app developers to integrate PayPal checkout and mobile credit card payment mechanisms directly into their apps.
This means that you are not looking at just having a PayPal button inside the app, where users are redirected to Safari on iPhone to complete their transactions, but with this new SDK users can pay without ever leaving the app or any local online payment gateway that you have available depending on respective region.
I'm starting making an app for a website that I own. I know some about programming with xcode but there's a lot of stuff that I don't know yet. Mostly I have almost everything figured out for the app but I need to add to the app a way to sign in and sign up to the website and also a way to pay with credit card. I don't know how to start with all that.
I have tried to look some videos but I didn't see anything similar to what I want to do. I would really appreciate if you could explain me it, or send me some kind of help.
While I can't help you with sign-up/in features, I do know that ZooZ seems to be the cheapest and easiest way to accept credit card payments on mobile apps.
Both iOS and Android compatible, ZooZ's 3 lines of code monetizes your app in minutes. Users have their choice of checking out with credit cards or PayPal.
The biggest advantages of ZooZ are that your user always stays within your app and won't have to re-enter payment details in the future, resulting in faster processing and higher conversion rates.
Of course you can always build your own credit card processing platform, but considering the challenges of security, merchant accounts, and PCI compliance, it's probably not worth the headache.
Full disclosure: I have the privilege of working at ZooZ :)
Good luck with your app!