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How does it work?

 

You can use our Mobile SDK to process payments from your native iOS or iPadOS app, providing a seamless and secure checkout experience for your customers.

 


 

Key features of our Mobile SDK

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All businesses within the EEA (European Economic Area) will soon be mandated to be PSD2 compliant

By following the steps outlined in these documents, you will meet the requirements needed to continue processing e-commerce transactions.

Click here for further information on this mandate

 


 

How does the Mobile SDK work?

 


 

What will the customer see?

The following diagrams show standard e-commerce transactions using 3-D Secure:

 

When payment is deemed low-risk

Frictionless payment allows for a streamlined checkout experience

 

 

  1. The customer enters their card details on your checkout and taps the “Pay” button.
  2. Data regarding the payment session and customer’s device is shared with the card issuer. The customer is deemed low-risk, so no action is needed on their part to verify their identity.
  3. Following these checks the payment will be processed. The checkout will then display a success message to the customer.

 

When payment is deemed high-risk

Customer will be challenged prior to completing the purchase

 

 

  1. The customer enters their card details on your checkout and taps the “Pay” button.
  2. Data regarding the payment session and customer’s device is shared with the card issuer. The customer is deemed high-risk, so their device may display an overlay prompting them to complete some basic actions to authenticate their identity.
  3. Following any authentication steps required by the customer’s card issuer, the overlay will close automatically, and the payment will be processed. The checkout will then display a success message to the customer.

If the authentication fails, your checkout will display an error message and provide the customer an opportunity to re-attempt payment or provide an alternative card.

 


 

Authentication

When using the latest version of our Mobile SDK, all e-commerce payments are automatically processed with 3-D Secure by default. 3-D Secure is a protocol overseen by card issuers, designed to reduce fraud and chargebacks by authenticating the customer’s identity at the point of sale. For a fully authenticated 3-D Secure transaction, in the event of a dispute at a later date, the card issuer will usually take liability of the chargeback instead of the merchant.

 

 

 

Benefits of 3-D Secure

 


 

  • Example 3-D Secure overlay displayed to the customer

    Enhanced data checks: Data regarding the payment session and customer’s device is shared with the card issuer, allowing for risk-based decisions without always needing to seek authentication from the customer. This reduces the time that the average consumer takes to complete a transaction.

 

  • Easy authentication: Authentication can now be performed by biometrics (fingerprint / facial recognition). This makes it easier for your customers to complete payments and ultimately reduces shopping cart abandonment.

 

  • Native mobile support: There is comprehensive support for modern mobile devices, ensuring a seamless checkout experience from within your app.

 

 

 


 

How do I get started?

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To begin processing payments with our Mobile SDK, you will need to install the SDK and initialise it within your Xcode project.

Click here to continue >>>