Mobile Application Development
Payment-Enabled Mobile Applications
Mobile apps with secure, compliant in-app payments, including UPI, cards, wallets, subscriptions and refunds, designed so paying is quick and failures are handled cleanly.
Overview
Why it matters
for your business.
A payment screen that hangs, fails silently or double-charges damages trust faster than any other bug. Mobile payments also bring specific complications: UPI app switching, network drops mid-transaction, store billing rules and RBI requirements on card storage and recurring mandates. We build the payment experience inside your app so customers can pay confidently and your team can reconcile every transaction.
We implement payments through regulated gateways rather than handling card data ourselves, which keeps your PCI DSS scope small. Every payment is confirmed server-side through webhooks, not just on the device. We test failure scenarios deliberately: killed apps, timeouts, declined mandates and partial refunds. Where store billing is required for digital goods, we implement it correctly alongside gateway payments for physical goods and services.
What's included
- In-app checkout with UPI, cards and wallets
- Server-side payment verification via webhooks
- UPI AutoPay or card mandate subscriptions
- Refund and cancellation handling
- Failure-path test cases and results
- Transaction reconciliation reports
Outcomes
What changes
for your business.
Ideal for
- Apps selling services, tickets or physical goods
- Subscription businesses using UPI AutoPay
- Fintech-adjacent startups launching first payment flows
Fewer failed payments
Robust handling of app switches and network drops reduces abandoned or stuck transactions.
Accurate order status
Server-side confirmation ensures orders are marked paid only when money is genuinely captured.
Smaller compliance burden
Tokenised payments via regulated gateways keep sensitive card data away from your servers.
How we deliver
A clear, accountable
process.
Every engagement follows the same disciplined approach, adapted to the size and urgency of your project.
- 01
Discover
We map your workflows, users and integrations, then agree scope, priorities and milestones.
- 02
Design
User flows, interface designs and architecture are reviewed with you before development starts.
- 03
Build
Short sprints with working demos, code reviews and testing, so you see progress every step.
- 04
Launch & support
We deploy, train your team, hand over documentation and stay on for support and enhancements.
Ways to work with us
- Fixed-price projectsDefined scope, milestones and deliverables.
- Time & materialFlexible delivery based on actual effort and resources.
- Dedicated teamsAssigned engineers, testers or marketers for ongoing work.
- Annual maintenance contractsScheduled maintenance and support agreements.
FAQ
Common
questions.
Something else on your mind? Ask us directly.
When must we use Apple or Google in-app billing instead of a payment gateway?
Generally, digital goods and subscriptions consumed inside the app must use store billing, while physical goods, real-world services and person-to-person payments can use gateways such as Razorpay or Stripe. Rules vary by region and change periodically, so we check current store policies against your business model before building.
Do we need our own payment gateway account?
Yes. The merchant account should be in your organisation’s name so settlements go directly to your bank and you control the relationship. We help you prepare documents for onboarding, configure API keys and webhooks securely, and test in sandbox mode before going live.
Let's talk about Payment-Enabled Mobile Applications.
Tell us what you need and get a clear plan and proposal, free and with no obligation.