Perfect App Payments from the Experts

A lot has happened in the world of payment options in the past few years. The payment options in retail have therefore undergone major changes. Payment options such as contactless or mobile payment such as Apple Pay or Android Pay have become increasingly popular. We are particularly familiar with it from the USA or some European countries such as the Netherlands: Cash is being demanded less and less, and often you can no longer pay in cash at all. Germany is also “slowly but surely” steering towards this trend. Some even say that cash will go away completely. In some countries, the use of credit cards is also unnecessary.

The payment method is also changing for online shops. But you probably know it from yourself: At the beginning of your online shop adventure, it is often difficult to determine which payment methods are best for you. As you activate in app purchases you can have the best features from Huawei.

Integrated Payment Versus Non-Integrated Payment

In shops or online, you can decide whether you want to connect your payment terminal directly to your cash register or not. When your customer wants to pay in-store, the sale in your POS system is directly synchronized with the terminal and vice versa when the payment is accepted.

If your payments are not integrated, you will have to manually enter the amount of the transaction at the payment terminal. In and of itself, this does not mean a lot of additional work, but it does increase the risk of errors when entering the amount.

Payment Options: What Do Online Shoppers Expect Nowadays?

The same is true online. If payment is integrated, after placing an item in the shopping cart, your customer can enter their information directly and pay on the same page. However, if the payment is not integrated, your customer will be redirected to a third page where they will have to re-enter their details. Often times, the consumer does not continue shopping if he has to enter the same information twice.

Payment Methods vs. Payment Service Providers

Payment methods

There is often confusion between the terms payment method and payment service provider. The payment method represents all the ways that the customer can use to pay in-store or online.

Payment Service Provider

When selling online you should make sure to accept as many payment methods as possible. Payment service providers, also known as Payment Service Providers (PSP), conclude contracts with payment type providers so that only one contract is required for several payment types.

PSP not only provide the technical connection, but also the processing of all incoming payments for a merchant. Payments are therefore first posted to the payment service provider account. After checking the correctness and completeness of the PSP, the total amount will be transferred to the dealer regularly and in the desired currency after an agreed period.


Differences in services between payment service providers mainly lie in the choice of payment methods offered. In addition, not all providers support payments via smartphones. Others work with foreign banks so that foreign visitors can pay too. Finally, there are PSPs that also offer recurring payments.

Cash Flow

Payments made through the website will be received by the PSP. These are then automatically or not transferred to the merchant’s account. There can also be costs. Only so-called collective payment service providers licensed by the central bank are authorized to do this.