Mobile In-app Payment

Leong Hean Hong @hongsterhttp://bit.ly/bvCJKp

2010-09-04(CC) BY

Hello World!

Purpose

Share what I learned from integrating services from different payment processors into (Android) mobile application.

I am looking for a simple, seamless, hassle-free payment experience.

Overview

● Payment Methods● Integration Methods● Basic Payment Flow● Challenges● Service Providers/Libraries

Payment Methods

● Credit Card○ More secure○ Lower cost

● Mobile Billing○ Monthly phone bill, prepaid credit○ Convenience○ Higher cost○ Unreliable○ Country specific price points

● Virtual Credit○ Virtual currency○ Still depends on other payment methods

Country Specific Price Points

Integration Methods

● Website v.s Direct Payment● RESTful● Native library

○ With UI● Send/Receive SMS

Website Payment Flow

Direct Payment Flow

Mobile Billing Payment Flow

Challenges

● Do I need a US/UK/Canada merchant account?● Does the website displays well on my 3.7'' screen?● Setup fee? Transaction fee? Conversion rate?● How big is the library?● Can I test application w/o paying a single cent?● Is it easy to integrate?

Service Providers/Libaries

● Mobile Billing○ Onebip, txtNation, Ericsson IPX, Boku, Zong, MoVend

● Credit Card○ PayPal, Google Checkout, Amazon FPS, MoVend

● Virtual Credits○ MoneyBookers (WalletDroid), MoVend

Google Checkout

PayPal Android

What Happened After Payment Is Made?

http://bit.ly/bZaEVH

MoVend

● Aggregation○ Credit Cards○ Mobile Billing○ Virtual Credits

● Product Management● Analytics● http://movend.com

Thanks for all the fish!