Articles on In-app payments
Purchases and subscriptions inside mobile apps: store commissions, entitlements, and charging outside the app.
8 articles
AI risk models, mobile card personalization, and digital money according to the ECB
Plaid unveils AI tools to mitigate fraud and payment risk, Wells Fargo introduces debit card customization in its app, and the European Central Bank addresses tokenization.
Stablecoin settlement arrives on card networks as P2P options expand
Mastercard and SoFi test blockchain settlement for card programmes, while Moov enables direct-to-card P2P payments. We also cover rising bank deposit yields and fiscal debates impacting businesses.
Apple Pay and Google Pay without the marketing: network tokens and fraud reduction
Far from simple digital wallets, Apple Pay and Google Pay rely on network tokens and dynamic cryptograms. We examine their technical mechanics and fraud impact.
Same subscription on web, iOS, and Android: avoiding double billing with a single entitlement state
Allowing a customer to use their subscription across platforms without paying twice requires anchoring billing to a central account. Here is the architecture needed to coordinate web, App Store, and Google Play.
Payment links: when they replace an online store and how to collect via direct channels
Payment links allow businesses to collect quotes and direct sales through WhatsApp or email without a web store, keeping full SCA and security standards.
What Is an Entitlement: Products, Subscriptions & Access
Learn what an entitlement is and how it differs from products and subscriptions. Check user access across web, iOS, and Android using the Cifrago API.
In-app payments: what the store takes, and when you can charge outside it
App Store and Google Play commissions don't apply to everything you sell from an app. The dividing line is what kind of product you deliver, and knowing where your case falls decides whether you pay 15%, 30%, or your own gateway's fee.
What actually happens inside an online card payment
Between the customer pressing "pay" and the money reaching your account, three separate things happen: authorisation, capture, and settlement. Knowing where each one occurs explains why a payment can show as "approved" and still not be charged.