About PayNow

PayNow is the minimalistic point of sales app, allowing its customers to collect and accept payment on their phone. It is available on both Android and iOS platform and uses stripe for processing the payment. The app targets small vendors, service providers, food delivery vendors and other such vendors and enables them to collect payment from their customers directly using the card.

How did our client get the idea?

Our client has a background of software development and she figured-out a gap while making a payment whenever any customer does not have the cash to pay for the bill. She thought there could be an easy way to solve this problem and came to us.

payment app idea

How did our client approach us?

As she has already worked with us for her 2 to 3 projects and was pretty impressed with the service that we provided, so she directly came to us with the problem. She described the entire problem to us.

What was the proposed solution?

We built a mobile payment app that detects credit card details using NFC or camera and processes the payment using Stripe for secure transaction.

In short, PayNow, mobile payment collection app, helps vendors to accept payments from their customers without paying higher fees.

process of payment app

Were there any technical challenges?

According to client’s requirement, the client was charging a 10% commission on each transaction that was happening on the platform. At that time, stripe did not support dividing payment into two and transferring the money into different accounts.

To solve the above-stated challenge, we contacted stripe customer support and described them our situation. After that, they helped us by providing support and necessary APIs to achieve the goal.

technical challenges
Payment Mobile App Features

Key features of PayNow App

secure payment

Quick and easy way to take card payment

Just enter your pin and customers card details and you can take the payment securely via stripe. And the money reflects in your account within 2 days.
NFC tap payment

Supports NFC tap payment

Simply tap any card with the PayWave/PayPass logo to the back of your NFC capable device until it beeps and your card details will be filled automatically.
device camera suppor

Supports device camera to populate

Scan the card using a device’s camera and the app will automatically detect card details and populate those details for the payment.
online payment app security

Security

This online payment app is highly secure because no card details are ever stored on the platform. The mobile app uses stripe APIs to pass the card details to stripe servers where it is securely processed for the transaction.

Do you also want to develop a point of sale application including these features? Do you have any other feature in mind to include? Book your free consultation now and discuss it with our experts.

App Development of PayNow Application

Our client had an experience of working with us, so we immediately started working on the project. We started working on the Android app for POC and assigned one Android engineer with more than 4 years of experience in the Android app development industry.

However, our developer spent some time researching on how to integrate NFC, Stripe SDK and Camera features in a way that is feasible and scalable for future enhancements. Once the Android app was successfully completed, we delivered it to our client for her approval.

After her approval, we started working on the iOS application once POC was done by the client. We assigned one of our experienced iOS developers with 3+ years of experience in iOS app development industry. Keeping Android app as a reference point, our iPhone developer was able to deliver this credit card payment app on the iOS platform in short span of time to our client. Here’re the tools and technologies we used while developing this payment app for Android and iOS.

Technologies

Programming Language:

swift

Swift

Java

Java

IDE:

Xcode

Xcode

Android Studio

Android Studio

Framework:

MVC framework

MVC (Model-View-Controller)

Third-Party Libraries and SDK

  • Stripe SDK for payment processing and dividing the payment into two parts and transferring to respective accounts.
  • Card.io for scanning credit card details using the device’s camera.
  • EMV-NFC-Paycard-Enrollment an open source library to read and extract data from NFC EMV credit card.
  • Firebase to collect usage and behavior data for the app.
  • Retrofit(Android)/Alamofire(iOS) for managing network calls to our server For eg. Sending transaction details and fetching user information.

Future Scope of Project

Some of the additional features that can be built in the app:

Transaction history

Transaction history

Users can see all the transactions that they have done on the app.

manage Inventory

Inventory

Users can manage their inventory on the app itself and generate/send invoices using the mobile app.

Pay via link

Pay via link

Users who cannot be physically present for sale can share a link to customer and collect payment using that.

Result

After understanding our client’s requirements and with the help of stripe support, our mobile app developers successfully developed the PayNow app, which helps users to successfully receive payments from customers using their card from their mobile. This NFC payment app is used by over half a million users across the globe and listed in the top 10 mobile apps in local play store market. On average, 5 million US dollar transactions every month happen using this app.

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