Credit Card Payments in iOS (3-D Secure?)

3
votes

So I'm wondering if implementing credit card payment sin iOS is possible?

This is the basic idea..

  1. User finds a something on eCommerce app they want to buy
  2. The app then gets their CC details and send it to a 3-D Secure merchant
  3. User verifies their CC using the 3-D secure method
  4. Payment gets accepted.

If this possible without breaking out into Safari?

What I have found out from some research

  1. We could use something like: https://stripe.com/

However this provides two problems:

1a - I don't think the 2-D secure works here. 1b - if the current eCommerce website is using a different method - we cannot integrate stripe into the app as this would mean changing the whole CC payment process?

So it seems the only way to do this would be this:

  1. Load the CC payment info in a UIWebview (of the actual eCommerce website) and using the web view to load the site and the current 3-D Secure payment method?

It seems to me that CC payments overall are very limited in scope and scalability when not using services like PayPal and iAP?

Any ideas?

1
ioscredit-cardpayment-processing3d-secure

1 Answers

2
votes

3d secure (both SecureCode and Verified By Visa) must be done in a web browser, and more specifically in an iFrame.

The content of the iFrame is dynamically loaded by the card scheme to present a page hosted by the card issuer (to allow it to display the secret phrase). Checking of the password is also performed by card issuer, without any intervention by you.

There is no way to perform the 3d secure check outside of a web browser.