How to Integrate Apple Pay and Google Pay into Your Banking App?

In this article, we’ll provide an expert glimpse of how to integrate popular digital payment platforms Apple Pay and Google Pay into a banking app, illustrating the behind-the-scenes workflow by one of our actual cases.

The adoption of new technologies steadily makes our lives a lot easier, and it perfectly explains why Apple Pay and Google Pay have come into common use of many people. Since online payments keep on spreading rapidly across the world, it becomes a wake-up call for banking systems that haven’t implemented these features into their flow yet.

Having gained extensive experience in this field, Touchlane team is here to provide tips and tricks about how to set both integrations by example of our case. But firstly, let us provide you with a few matter-of-fact reasons why this whole Apple Pay and Google Pay integration thing is really worth the hassle.

Your banking app can’t do without Apple Pay or Google Pay because...

In fact, the implementation of such payment solutions is more a necessity than just an option to achieve success in the banking sector nowadays, and recent statistics, indeed, speak for themselves. Based on the McKinsey’s 2019 Digital Payments Survey, 77% of respondents use one or more types of mobile payments while one of the industry forecasts by Statista shows that Apple Pay is supposed to have around 227 million users worldwide by the end of 2020 while Google Pay is expected to reach 100 million users. Quite impressive figures, huh?

 

 

Apple and Google payment services have partnered with a wide range of banks worldwide (check the full list of partner-banks for Apple Pay and Google Pay here) and support all major debit and credit card types, including the most popular ones like Visa, MasterCard, Discover, and American Express, so users of your banking app won’t need to worry if their card can be easily integrated with Apple Pay and Google Pay or not.

Both services have a good reputation for their security because the consumer payment data is always end-to-end encrypted and both platforms never share any card information which is protected by multiple security layers. As such, it becomes a likely scenario that, due to the high security and less frustrating checkout process, we may switch to contactless payments and abandon traditional cards with PIN-codes quite soon.

Project Essentials in Brief

Driven by the increasing popularity of digital payment platforms, our client turned to us with a request to set the Apple Pay and Google Pay integrations to their existing mobile app.

The implementation of contactless payment services can become a challenge for banks due to the strict security demands. Apple Pay and Google Pay have a set of certain requirements that banking apps must meet in order to provide mobile payment solutions so we contributed our expertise to make sure that the service will operate flawlessly in the existing application. 

Now, let’s consider the details of both integrations step by step.

Apple Pay Integration Workflow

  • Preparation. The integration is set via an Apple developer account. To get the project started, we sent a request to enable access to the appropriate Apple Pay In-App Provisioning entitlements.
  • Setup of PassKit framework. Using PassKit, we set all configurations (path, controller, requests, etc.) for the card to link it to the account.
  • In-App Provisioning. To launch the integration, our specialists initiated the provisioning process consisted of transmission of public certificates and payment data between Apple Wallet and the issuer host, after which the encrypted payment details were provided to the iOS app.

 

 

Google Pay Integration Workflow

  • Registration. The first important step was to submit the form and send a request so that Google could identify if our client’s application met all the standards to support the Google Pay API and if they could add it to their community of Gateways and Payment Processors.
  • Access to the Google Pay API Repository. Once the registration was successfully fulfilled, we got access to the repository with the codebase needed for setting up our banking app with the Google Pay service SDK.
  • Google Pay Setup. The actual setup process consisted of the implementation of code lines in the existing app’s codebase.
  • Integration with Backend. Since the banking host encrypts the information about each card, we needed to set configurations for correct transfer of the encrypted data to Google Pay.

Note: To ensure trouble-free integration, we recommend strictly following Google design guidelines when implementing a Google Pay button to your app.

You need to pay special attention to...

  • QA testing

It is worth a separate mention that it is extremely vital to thoroughly test the Apple Pay and Google Pay functionality across all supported app versions and devices before the official launch to the app stores. As such, you need to run multiple tests with test cards through the use of the production environments.

In the case of Apple Pay, transaction testing with test cards can be performed via the Apple Pay sandbox environment. Since Google Pay does not provide any test cards, it is possible to use a “live” card within Google’s sandbox environment, supporting Google Pay test and production tokens.

  • Various approaches for adding diverse card types

In the case of Google Pay integration, different approaches for the addition of Visa and MasterCard cards are used. To add a Visa card type, you need an additional service from the bank, providing the transfer of the encrypted information about the card from the server and to Google via the app. Speaking of MasterCard, the full card data (number, CVV, cardholder name) is filled in programmatically. If necessary, Google can show a confirmation window to make sure that the data is correct. 

In regards to Apple Pay, both Visa and MasterCard encrypted data is transferred between the server and Apple service without providing the factual card data to the application.

What we’ve achieved

With the professional Touchlane assistance, the client managed to provide the app users with the opportunity to link their credit and debit cards to Apple Pay and Google Pay services just in a few clicks. Our specialists managed to achieve spotless performance of both Android and iOS app versions by enhancing the backend and setting integrations with the use of only secure tech solutions, tested through our practice.  

According to various estimates, the integration of Apple Pay and Google Pay into mobile apps may increase the conversion rate by 20%, and our case only confirms that. These successful integrations helped to expand the in-app audience of the client’s banking apps due to the ease and security of the solution and a rise in the number of successfully completed transactions, which ultimately increased the client’s revenue.

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