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UniPayGateway

September 6, 2016
Written by
James Davis
Written by James Davis
Senior Technical Writer at United Thinkers

Author of the Paylosophy blog, a veteran writer, and a stock analyst with extensive knowledge and experience in the financial services industry that allows me to cover the latest payment industry news, developments, and insights.

My works have been cited across media and payment blogs. I do my best to help businesses make the most efficient financial decisions that can positively and significantly improve their business growth.

Whether you are a seasoned investor or just starting out in the world of payments, my writing is designed to be accessible to everyone and help people navigate the complex world of payments. So if you want to stay up-to-date on the latest trends and insights in the payment industry, be sure to check out Paylosophy and my published works.

Reviewed by
Kathrine Pensatori
Product Specialist at United Thinkers

Product specialist with more than 10 years of experience in the Payment Processing Industry. I help payment facilitators and PSPs solve their various payment processing issues. On a regular basis, I work with a team of knowledgeable technical people in the space, and I am passionate about finding creative solutions to the challenges presented by the Payments Industry.

I would be happy to help with any questions you might have regarding credit card payment processing, merchant services, EMV certifications, the various ways of becoming a payment facilitator or a payment platform, as well as any other Payment Industry related issues you might be struggling with. Feel free to follow me on Quora, and don’t hesitate to send me links to the specific Quora questions you would like me to answer.

Methods of Mobile Payment Processing

Mobile payments represent a new concept, which is rapidly gaining importance within payment processing industry. Payment applications, installed on mobile devices open new horizons for mobile payment processing.

The most general question, related to mobile payment processing, is: how can you process mobile payments and remain out of PCI scope, or at least, minimize your exposure level?

Mobile payment solutions

There are several mobile payment solutions you can choose from in order to find the most suitable answer for your particular situation.

The easiest option is to resort to the so-called in-app payment solution. In this case mobile payments will be processed through API, provided by the online store itself. Another option is to use the payment page, located on the server of the payment service provider. In these two cases PCI exposure level is reduced to zero. Still another option is integration of your payment application with the external API of the PSP. There are several ways to implement such integration, but in any case it is better to consult QSA regarding PCI audit.

More information on mobile and tablet payments, as well as on mobile credit card processing can be found in the respective article on Paylosophy.

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