Credit Card Payments in iOS app?

Discussion in 'iOS Programming' started by Tander, Jul 30, 2013.

  1. Tander macrumors 6502a

    Tander

    Joined:
    Oct 21, 2011
    Location:
    Johannesburg, South Africa
    #1
    Hi guys,

    So I'm wondering if implementing credit card payment sin iOS is possible?

    This is the basic idea..

    1. User finds a something on eCommerce app they want to buy
    2. The app then gets their CC details and send it to a 3-D Secure merchant
    3. User verifies their CC using the 3-D secure method
    4. Payment gets accepted.

    If this possible without breaking out into Safari?

    What I have found out from some research

    1. We could use something like: https://stripe.com/

    However this provides two problems:

    1a - I don't think the 2-D secure works here.
    1b - if the current eCommerce website is using a different method - we cannot integrate stripe into the app as this would mean changing the whole CC payment process?

    So it seems the only way to do this would be this:

    1. Load the CC payment info in a UIWebview (of the actual eCommerce website) and using the web view to load the site and the current 3-D Secure payment method?

    It seems to me that CC payments overall are very limited in scope and scalability when not using services like PayPal and iAP?

    Any ideas?
     
  2. ArtOfWarfare macrumors 604

    ArtOfWarfare

    Joined:
    Nov 26, 2007
  3. dejo Moderator

    dejo

    Staff Member

    Joined:
    Sep 2, 2004
    Location:
    The Centennial State
    #3
    What makes you think that? I guess it depends on what "this" means.
     
  4. xArtx macrumors 6502a

    Joined:
    Mar 30, 2012
    #4
    If any encryption is happening on the iOS side it's a real pain, and a number of hoops to jump through.
    I don't know anything about the particular implementation mentioned,
    but it does sound at least like running a signature routine on digital certificates.
     
  5. Tander thread starter macrumors 6502a

    Tander

    Joined:
    Oct 21, 2011
    Location:
    Johannesburg, South Africa
    #5
    How does this violate Apple's rules?

    I know we cannot use iAP for physical goods. But as far as I know we can use Credit Cards for purchases outside of the app - ie: Not services or digital content - but psychical goods?

    Maybe you can elaborate for me?
     
  6. Tander thread starter macrumors 6502a

    Tander

    Joined:
    Oct 21, 2011
    Location:
    Johannesburg, South Africa
    #6
    Right, so I have done some more digging and it seems that 3D-Secure can only run in a web browser - so isn't UIWebView exactly that - a web browser?

    Also, 3D Secure can only be loaded in an iFrame - again, UIWebview?

    I can get my app to grab the CC details (Not store them) and make the payment. However, what I want is the user to enter the CC details and once the tap the confirm button - a UIWebview opens up with their CC details from the app with the 3D secure page - then once they have confirmed their password / OTP / Whatever - the UIWebView closes and the app notifies the user that the transaction was successful?

    So - I want webView to "grab" data from the app (HTTP POST request?) and load it into the 3D Secure section. Once done - web view needs to send data back to the app to notify of a "successful" transaction"
     

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