How to Choose a Payment Gateway for your App

Merchant service providers for your on demand app

Choosing the right payment gateway is an inevitable decision for any on-demand solution.  Payments are the crux of any marketplace platform. They support your financials, enable your users to complete transactions, allow you to pay your sellers and position your app for growth.  With thousands of potential daily transactions processed between buyers and sellers, you need a rock-solid gateway.

For those who choose to build their own payment gateway, there’s a mountain of technology to build.  If you’re seeking to integrate a third-party payment gateway, you have a large suite of choices available.  While there are some differences amongst the big payment gateway providers, they’re all developer-friendly, reliable options and well-suited to an on-demand service model.  Let’s take a look at some of the notable options.


PayPal is the most popular payment gateway available.  They provide a wide range of options to acquire revenue from sales, facilitate smooth transfers and are known to be one of the fastest and most secure.  They also provide excellent support, execute mobile payments, offer a broad range of features and allow you to cancel at any time without penalty.  Accounts are free, with PayPal charging 2.9% + $0.30c per transaction, however that percentage drops for accounts with higher volumes.



Braintree is a full-stack mobile payment-gateway solution.   Providing easy to integrate SDKs (software development kits) with comprehensive solutions for mobile payments, Braintree is seen as one of the most progressive gateway providers available.  They also provide advanced fraud protection services free of charge.  Braintree charges a 2.9%+ $0.30 transaction fee (after first $50,000).



One of the most popular payment gateways in the world, Shopify provides a fully hosted ecommerce solution, complete with advanced storefront functionalities, payment gateway and around the clock support for any scale of ecommerce requirements.  Shopify provides a large number of preset themes and styles to choose from, so that users can completely customize the look and feel of their store fronts.  If you are looking for a complete storefront solution, you must consider Shopify.


Shopify does not charge setup fees, and plans start at under $20.00 per month, increasing with feature sets needed.


Judo Pay


JudoPay is one of the best solutions currently in the market for in-app purchases.  They offer simple, mobile payment gateway services at great prices focused is on facilitating mobile transactions with minimum hassle.  JudoPay offers APIs and targeted support to make it really easy to integrate with your app.  You can even tailor the user experience within the app environment.  JudoPay charges 2.4% of the transaction amount plus processing fees with custom pricing for apps which process more than $20,000 a month.



Stripe was designed to give your developers the power use their APIs to tailor their product to your app. Indeed, it’s known as one of the cleanest API’s in the game.  Unlike most of its competition, Stripe allows you to migrate your credit card data to your new payment gateway of choice and does not impose contractual requirements.

Stripe charges a 2.9% + $0.30 fee (after first $1 million).


Closing Remarks

Finding a solution that suits your app can be difficult, but once you understand how the market’s offerings meet your requirements, you’ll be in a position to make your choice.



Leave a Reply

Your email address will not be published. Required fields are marked *