What are mobile payments?
The new mobile phone scam delivering a problem. By Simon Read Personal finance reporter. Published 23 August 2019. Image copyright Getty Images. The client API enables mobile phones, browsers, and apps to access the hosted data on the Ingenico ePayments platform such as detailed information about the available payment products, profile management, and public keys used for encrypting sensitive data. These calls require a session id that the merchant can create using the server API.
Ingenico is the global reference in mobile acceptance, allowing worldwide commerce to benefit from a combination of mobility, payment and business processing across all sales channels. Apple iPad Air 4G: LG G4: Apple iPad Mini: LG Gflex: Apple iPad Mini 2: LG Gpad 8.3x: Apple iPad Pro 9.7: LG Leon: Apple iPhone 4S: LG Nexus 4: Apple iPhone 5C: LG Optimus G Pro. Designed from the ground up for all-purpose mobile use, the iSMP4 Companion can be connected with a tablet or smartphone to create a secure, smart, mobile point of sale (mPOS) system.
Mobile payments are payments made from a mobile device, such as a phone, tablet or watch. A distinction can be made between the mobile interface and the mobile payment products.
The mobile interface
The mobile interface is either the website you access from your phone or a mobile app. The mobile app can be build in a native way and have the payment options coded within the app. It is also possible to offer a browser based version, where a consumer is redirected to a website within the app.
The mobile web
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The mobile web allows you to create a checkout page for your consumers, which they can easily access from their mobile screen. In order to do so we offer you the following products:
- HostedCheckout payment pages
- JavaScript SDK
- REST API
HostedCheckoutpayment pages
Our out-of-the box HostedCheckoutpayment pages are designed to adapt automatically to the screen size of the device your customer is using, whether it is a mobile phone or a desktop. Our aim is to offer the best user interface which will give an optimal experience and help you increase your conversion.We have designed the pages with a 'mobile first' approach, so you can be assured that your consumers can pay easily using their mobile devices. As the page is hosted by us, we will capture the payment data which will reduce the Payment Card Industry (PCI) compliance requirements.
We understand that you want the look and feel of that page to be similar to your own site. Our Template Builder can be used to adapt our HostedCheckout page at will, so you can create a payment page that fits best to your own corporate design
On the payment page your consumers can pay with their preferred payment product, as all products the Ingenico Direct platforms offer are available on the HostedCheckoutpayment pages.
- If you want to learn more about the integration of the HostedCheckoutpayment pages, click here.
JavaScript SDK
Our JavaScript SDK allows you to design your payment page yourself, while we capture the payment details of your customers securely. Your flexibility is increased and the Payment Card Industry (PCI) compliance requirements will be reduced. You are fully in control of the extend and how you want to optimize for mobile.
- Do you want to try it out immediately? Get in touch with your Sales representative.
REST API
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In case you want to create the design for your mobile optimized payment page yourself and handle the encryption yourself, we offer you our REST API:
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- A server API which is used in a server-to-server setup
- A client API which is used by clients like desktops, laptops, mobile phones and other internet connected devices.
For both APIs we offer a detailed API Reference that lists all the functionalities and how to use them. You can always take a look at our mobile best practices for guidance how to optimize your mobile first payment page.
Mobile app
Our iOS and Android SDKs offer you the backend logic to offer native payments. We have built in the logic you need to offer your consumers the payment products they prefer to pay with. You can also choose to use our out of the box example app and style this according to your needs to help reduce your development time. In case you want to add browser based payments to your app, you can use the HostedCheckoutpayment pages.
- Do you want to try it out immediately? Get in touch with your Sales representative.
Mobile payment products
The mobile payment products allow consumers to pay using distinct features or functionalities offered by their device and in order to pay, this specific device is needed. Direct Operator Billing/SMS products exist since a very long time already and allow consumers to pay via their mobile phone invoice or have the amount deducted from their prepaid card. Mobile specific products have been developed over time, and allow consumers to transfer money easily. There are many mobile wallets developed over time, which make it easier for a consumer to store their payment details, as well as their shipping and billing address.
Mobile optimized payment products
The payment products that are hosted on our side almost all have an optimized look and feel for mobile devices. In some cases, regulations forbid to alter the default form (e.g. Boleto Bancário). The payment products which redirect you to a third party are in most cases optimized for mobile. A special icon on the developer hub shows whether the product is optimized for mobile and tablet or not.