Top 5 Payment Processing Apps For Businesses in 2022/2023

Payment processing apps shape an important element of the buying process for customers, which affects the whole business. Helpful payment processing apps should be easy to use, quick, safe, and reliable. If it’s not set up right, customers may abandon their shopping carts because of problems with the payment gateway.

By all means, as a future owner of an e-commerce app or a booking app, you should pay close attention to the importance of having a good user interface and useful features on your app as long as you want it to be successful. But what good is that if the payment experience is bad? Customers will sometimes stop trusting you, which will hurt sales and customer engagement.

This means that your business will lose customers and sales. The key to the long-term success of your online e-commerce store is to set up a payment gateway that works and accepts multiple forms of payment (debit cards, credit cards, prepaid cards, online wallets, etc.) with trusted security certificates.

Top 5 Payment Processing Apps

Top payment processing apps protect the security and privacy of the customer, giving the e-commerce app a good impression and a sense of trustworthiness. Payment processing apps that work should let merchants securely accept payments from multiple methods (debit cards, credit cards, wallets, etc.) through their website and mobile app. Here’s a list of the top 5:

1. Stripe

Stripe is a secure payment gateway that makes it easy for money to flow into and out of your business. It also connects to an application interface that lets you prevent fraud, track your revenue, and boost sales by being available to sell worldwide. Stripe also comes with an open API that makes it easy to connect to your business ecosystem.

Stripe is a cloud-based payment provider that offers the Stripe Accept solution and manages online payments that can be used anywhere in the world. It has everything you need to process payments in no time, including a custom UI toolkit to fit the seller’s platform, consolidated reports, and simple embeddable checkout.

The Advantages of Using Stripe

1. The most trusted payment gateway provider

2. Payouts in multiple currencies 135 Currencies

3. Accounting integrations

4. Collaboration notes

5. Mobile customer interface

6. Embeddable checkout

7. Custom UI Toolkit

2. PayPal

PayPal is a way for people and businesses to send and receive payments without having to give out their financial information. It is one of the best payment gateways that lets users send or receive money instantly from anywhere in the world with just an email address.

On any merchant’s website or app, it’s easy to buy or sell with your phone. PayPal works in 203 countries and accepts credit cards like Visa, Mastercard, Citibank, American Express, and many others.

Benefits of Using Paypal:

1. Express checkout

2. Mobile card reader

3. Virtual terminal

4. Inventory tracking

5. Barcode scanning

6. Shopping cart

3. Skrill

Skrill is a well-known way to send and receive money around the world. The company knows what modern payment needs are when it comes to processing payments and moving money. In 2001, Skrill was launched. Now, many of the best companies in the world use Skrill’s innovative solutions to run their businesses.

Skrill has been recognized and given awards by a number of top companies, including the Deloitte Technology Fast 50 Award, the B2B EGP Award, and others. It is one of the most successful payment gateways based in the UK. It works with more than 40 different currencies and lets customers buy products and services all over the world.

The Advantages of Using Skrill

1. Email transactions

2. Shopping cart

3. Loyalty rewards

4. Rapid transfer with +3000 banks

5. A digital Skrill wallet

6. Simple integration with one API

7. Multi-lingual customer support

4. 2Checkout

2Checkout is a well-known global payment gateway that lets businesses accept payments online from buyers all over the world. It has a lot of features and localized ways to pay that make the payment process easier for both merchants and customers.

It’s a payment gateway that is based in the US and works with many different payment methods and transactions around the world. More than 50,000 merchants around the world use the 2Checkout payment gateway because it’s safe and reliable.

Benefits of Using 2Checkout:

1. PCI data security standard

2. Billing on a regular basis

3. The ability to create custom subscription plans

4. Customized check-out options

5. There is more than one way to pay.

6. Available in 15 languages and 87 currencies

7. Available for 100 online shopping systems

5. BlueSnap

A global payment gateway that makes it easy for businesses to get paid. This gateway lets businesses grow internationally and accept payments from customers all over the world. This platform is very safe and works with the system to stop fraud and reduce risks.

Bluesnap has a network of more than 30 acquiring banks. This gives customers confidence, boosts conversion rates, and makes more money for the company. It works in 180 countries and automatically connects to acquiring banks around the world. It works with 110 types of payments, 100 currencies, and 29 languages.

Benefits of Using BlueSnap:

1. Intelligent payment routing

2. Marketplace payments

3. Collecting subscriptions

4. Multi-currency reporting

5. Hosted solutions

6. 3D Secure and PSD2 compliance

7. Payment API

In conclusion:

An online business is based on many factors, and making the process as easy as possible is critical. Because working with powerful processors will help you to grow as much as you want and attract new clients as long as your app is trustworthy.

So, as a matter of fact, choosing the familiar payment processor in your targeted market will boost your potential and increase your odds. being available to your targeted audiences. Through a user-friendly mobile application is equally important. For instance, integrating a receipt scanning apps into your platform can streamline the accounting and record-keeping process for both businesses and customers. With this app, users can effortlessly capture and digitize their receipts, eliminating the need for manual data entry and reducing the risk of errors. Additionally, the app can provide features such as expense categorization, real-time expense tracking, and integration with best accounting software, making it a valuable tool for managing finances. By offering a convenient and efficient solution, your online business can enhance customer satisfaction and attract more users, ultimately driving growth and success.

nandbox has integrations with the best payment processing apps in the world, like Stripe and PayPal. Try nandbox now and build your business with the most trustworthy payment processors.

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PayPal Mobile Payment: Maximize Your Sales!

PayPal is a digital wallet service owned by eBay Inc. Which offers a PayPal mobile payment option that allows users to send money and pay for goods and services. Using credit cards, bank accounts, debit cards, gift cards, prepaid cards, and mobile wallets. At this time it is available in over 200 countries and territories around the world.

In a Forbes interview with Jim Magats, PayPal’s senior vice-president of Omni Payments, Jim focused on the trend of people moving toward omnichannel commerce, especially small businesses.

Omnichannel refers to the idea of selling products through multiple channels. Including mobile apps, social media platforms, physical stores, etc. This allows consumers to buy products wherever they want, whenever they want.

nandbox app builder makes you can integrate PayPal mobile payment into your app. Without incurring any extra fees from nandbox and get paid instantly for selling your products, bookings, and services.

How Will PayPal Mobil Payment Help You As An App Owner?

As a matter of fact, In 2021, PayPal reached $1.2 trillion in annual payments volume. The company got this from over 19 billion payment transactions – according to BusinessApp Report.

This made a huge effect on the number of active accounts which reached 429 million accounts in the second quarter of 2022 – according to Statista Report.

All of this is because it has many features for you and your potential buyers. Generally, just mentioning PayPal; makes many people feel safe while they pay online because PayPal has deeply impacted millions of people for years which made PayPal credible enough for people to trust their service.

The Main Features Of PayPal Mobile Payment:

1. Standard Payment option The standard PayPal payment method is the most popular way to pay online. You can use it to make payments on websites, apps, and mobile devices. It’s free to set up and easy to use.

2. Express Checkout lets your users complete their purchases right away without having to enter credit card information. They can choose to have the money put straight into their bank accounts or get an email when the transaction is done.

3. PayPal Credit is an option for your users to apply for financing at any time and get approved instantly. Your payouts are measured according to how much money you spend every month. You’ll never miss out on a payment again!

4. Seller Billing Agreement If you’re selling something online, you need to know what happens if someone doesn’t pay. PayPal offers a complete billing arrangement that covers it all from termination privileges to late charges.

5. Buyer Protection When you sell items on eBay, you want to make sure they arrive safely. That’s where PayPal Buyer Protection comes in. If anything goes wrong with your shipment, PayPal will cover the cost of shipping the item back to you.

6. PayPal Gift Cards are perfect for giving people exactly what they want. You can buy them yourself or give them as gifts.

7. PayPal Mobile App You can access your PayPal balance and manage your transactions wherever you go.

How To Setup PayPal Mobile Payment In Your nandbox App?

1. Firstly, log in to nandbox app builder.
2. Go to app settings and tap.
3. Enable Paypal mobile payment option.
4. Go to BrainTree to get PayPal’s SDK.
5. Create an account in BrainTree to get configuration keys.
6. Go back to your app setting and fill in the configuration form with BrainTree keys.

You can follow our fully imaged documentation to guide you in this configuration process step by step PayPal Module Documentation.

Try nandbox app builder now to build your profitable app and receive your money easily with PayPal mobile payment

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PayPal is the most used online wallet in the world, it can be used as a payment gateway in your store or channel where users can submit payments easily, this article will show you how to integrate PayPal in your app.

This module is the best to use if you want to build a E-Commerce App.

Installation

The module is found in the App Settings page.

Once you click on App Settings, scroll down until you reach the payment methods section.

Click on the PayPal toggle to enable it.

Once you install this module in your app, it will be automatically integrated as the main payment gateway if you did not install any other payment gateway, however, if you did, it will give the user an option to choose which payment gateway to proceed with as follows:

Main Features

The PayPal module is a payment gateway, once you integrate PayPal with your app, users can use it to pay for items in your store, subscriptions on your channel or any in-app purchases, using a secure internet connection.

Users have to have a PayPal account in order to be able to complete the online transaction using the PayPal module.

Configuration

1.) Once you enable the module, click on the arrow to open the settings.

The first tab, includes some information that you need to fill-in to setup the module, we will show you how in the following steps:

The second tab contains a link that will take you to PayPal’s pricing options.

Now going back to the first tab, the first option is the “Environment” where you can choose “Sandbox” or “Production”

Choose “Sandbox” if you are testing your payments and want to make sure everything is running smoothly.

Choose “Production” if you are ready to go live.

For the “Sandbox” option, you will need to create a PayPal Business Account.

– Note that before you sign up to a new PayPal business account, make sure that the country you select is the country where your business is located, by clicking on the country’s flag and selecting your country.

1.) Go to the following link and select Business Account then follow the steps.

Create an Account on BrainTree

2.) Go to BrainTree.

BrainTree is considered to be PayPal’s SDK.

SDK stands for software development kit, and it is a set of software tools that is required to have certain features function properly, so you would need an Android SDK toolkit to build an Android app, an iOS SDK to build an iOS app, and a BrainTree SDK to be able to integrate PayPal with your app.

Note: When you create your BrainTree account, make sure that the currency you select is the same currency you selected in your PayPal account.

3.) After you completed the sign up process by opening the support email that BrainTree sent you, you will be prompted with this screen, scroll down and you will find the “Merchant ID”, the “Public Key”, and the “Private Key”.

4.) Copy the keys and paste them in their perspective spaces in the app builder.

5.) Next, click on the gear icon on the home page.

And select “Processing”

6.) Click on “Link Sandbox”.

You will be prompted with the following screen.

How to get your Paypal Credentials [Client ID, Client Secret]? 

First, you need to create your sandbox account

Note: These steps are also for making test payments later.

1.) From your Paypal home menu [right at the top], select “Developer”.

2.) Select “Developer Dashboard”.

3.) Make sure that your dashboard is on sandbox mode.

4.) Then move on “Testing Tools” button and select “Sandbox Accounts”

5.) Click “Create Account” 

6.) Choose “Business [Merchant Account]”

7.) Select your region

8.) Then click ‘‘Create’’.

After making your sandbox account:

1.) Select “Apps & Credentials” next to “Testing Tools” 

2.) Scroll down then select “Create App”.

3.) Then fill in the required App details:

• App name 

• App type [Merchant – Platform] 

• The sandbox account you created

– Choose “Merchant” if your app is self-owned app.

– Choose “Platform” if your app is integrated with other enterprises (Useful for E-commerce apps, Store module).

4.) Then click “Create app” 

5.) A screen will pop up with your Client ID and Client Secret.

6.) Copy both of them.

7.) Go back to your braintree control panel and insert your Paypal credentials

8.) Click “Link Paypal sandbox” button, then you’re ready to go.

9.) Lastly, click on the gear icon again and select “Business”.

Create a New Sandbox Merchant Account

10.) Click on “New Sandbox Merchant Account”

11.) Create a new merchant account ID and set it as the default ID, make sure that the currency you select is the same as the PayPal account’s currency.

12.) Next, copy the Merchant Account ID and paste it in the app builder, and click save.

Complementary Modules

• Store/Shop: It allows you to create a full e-store where you can display your products or services.

• Channel Modules: Channels allow you to post messages, images, videos, and files, with the option of targeting and segmentation, you can also charge your users for a monthly subscription to your channels.

• User Booking: A module that allows users to book events from your app.

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Stripe Payment Gateway is one of the leading platforms that support online businesses, from startups to enterprises to secure payments, manage revenues, and achieve sustainable growth. Same as nandbox, Stripe ensures scalability and reliability with its cloud-based infrastructure.

At nandbox, no-code is the norm; by drag-and-drop and data insertion, you can create and update your Native App in minutes. And you can integrate payment gateways in your Shopping App, created by nandbox App Builder.

How to integrate Stripe Payment Gateway in your Shopping App in Four Steps

Step 1: 

Log in to your nandbox Dashboard and head to step 4 “App Settings”. Scroll down to “Payment Methods” till you find “Credit Card (Stripe)” among the other ready-built-in payments.

Step 2: 

Enable its toggle, then click the arrow for configurations.

You will find three pieces of information are required to complete your payment integration process:

1- API Key
2- Webhook Secret
3- Publish Key

This data is accessible from your Stripe account.

So go to “Stripe” either to sign up or log in.

Step 3:

– Enter your Stripe’s dashboard and select “Developers”. 

Note that you can enable the “Test mode” toggle for testing your payments, and disable it for “Live mode” if you’re ready to launch your app. 

– Select “Webhooks”

– Then click on “Add an endpoint”.

– A screen will pop up with these required information:

• Endpoint URL
• Select events

Paste this Endpoint URL: https://w1.nandbox.net:4020/stripe/callback

And add these three events to its events details:

• payment_intent.succeeded
• payment_intent.payment_failed
• payment_intent.canceled

Then click “Add endpoint“.

– In “Webhooks” section, click “Reveal” the signing secret in order to get your “Webhook Secret”.

– Click on “API keys” to get your “Publishable Key” and “Secret Key“.

Step 4:

–  Copy and paste all of the above into your nandbox dashboard, Then click “Save“.

Now, your Shopping App should be linked with Stripe Payment Gateway. If you have questions or you need help, please contact us at support@nandbox.com.

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