Basic knowledge on integrating payment services within mobile applications.

1. Mobile In-app Payment
Leong Hean Hong @hongster
http://bit.ly/bvCJKp
2010-09-04
(CC) BY

2. Hello World!

3. 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.

4. Overview
● Payment Methods
● Integration Methods
● Basic Payment Flow
● Challenges
● Service Providers/Libraries

5. 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

6. Country Specific Price Points

7. Integration Methods
● Website v.s Direct Payment
● RESTful
● Native library
○ With UI
● Send/Receive SMS

8. Website Payment Flow

9. Direct Payment Flow

10. Mobile Billing Payment Flow

11. 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?

12. 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

13. Google Checkout

14. PayPal Android

15. What Happened After Payment Is Made?
http://bit.ly/bZaEVH

16. MoVend
● Aggregation
○ Credit Cards
○ Mobile Billing
○ Virtual Credits
● Product Management
● Analytics
● http://movend.com

17. Thanks for all the fish!