Need assistance? 0204 525 9875 Speak to an adviser
Mobile app payments

Save on processing. Enhance your checkout.

In today's mobile-first world, a slow or confusing checkout can cost you valuable customers. We take the guesswork out of finding the right provider, helping you implement a seamless in-app payment solution that builds trust and drives growth.

  • Access 90% of the UK's leading merchant acquiring banks.
  • Preferential rates exclusive to Merchant Advice clients.
  • Dedicated to negotiating the best terms for your business.
  • Overcome the toughest merchant challenges and disapprovals.
  • 100% free advice, no obligations.

Powered by a growing network of trusted providers

  • Worldpay
  • Barclaycard
  • Cashflows
  • Fiserv
  • SumUp
  • Trust Payments
  • Adyen
Integration methods

The right integration for your tech team

Every app has unique technical requirements. We'll help you navigate the integration options to find the right balance between development effort, user experience, and long-term control.

Illustration of a mobile SDK integrated into an app

Mobile SDKs

For a truly native experience, iOS and Android SDKs provide pre-built payment components. Customers stay inside your app from start to finish for the smoothest journey.

  • Fully customisable to match your app's branding and UI.
  • Optimised for mobile to keep checkout fast and frictionless.
  • Kept up to date with new security features and payment methods.
Illustration of a hosted payment page

Hosted Payment Pages

The fastest way to start accepting payments securely. A hosted page redirects users to a provider-managed checkout, reducing development work and PCI scope.

  • Minimal coding required, very fast to launch.
  • Customise the page with your logo and brand for a consistent feel.
  • The provider handles all payment security and compliance.
Illustration of a direct API integration

API Integration

For businesses that need complete control. A direct API integration gives developers the tools to build a fully bespoke payment journey tailored to your exact needs.

  • Total flexibility to design and control the entire payment flow.
  • Access a full suite of payment products through one unified API.
  • Build sophisticated payment logic to suit any business model.
Payment methods

Let your customers pay their way

Offering the right payment methods is critical for boosting conversion. We connect you with providers that support a wide range of options so you never lose a sale because a customer's preferred way to pay isn't available.

Credit & debit cards

Accept debit and credit cards from all major schemes, including Visa, Mastercard, and American Express, plus popular local card networks to maximise your reach at home and abroad.

Digital wallets & express checkout

Give your customers a fast, familiar, and secure checkout. Integrating leading digital wallets like Apple Pay and Google Pay is proven to increase mobile conversion rates.

Alternative & local payment methods

Boost average order values and attract new customers by offering flexible payment options. We'll guide you to partners that seamlessly integrate services like Klarna and Clearpay.

What good looks like

How a better in-app checkout drives conversion

A great mobile payment process isn't just about taking money — it's a core part of the customer journey. Done well, it builds trust, reduces friction, and unlocks new opportunities.

Make paying effortless

Stored card details, one-click payments, and biometric auth all reduce friction. We find partners offering the features that quietly lift conversion rates.

Expand globally, feel local

Grow across borders with confidence. We connect you with providers who localise the experience using preferred currencies and region-specific payment methods.

Robust security and compliance

Protect customers and your business without adding friction. Look for partners that reduce your PCI scope and apply intelligent fraud tools where it matters.

Turn payment data into growth

Your transaction data is an asset. We find providers that give you a unified view of payments and a deeper understanding of customer behaviour.

A small business owner on the phone at her shop counter, beside a card terminal and till
Next step

Ready to find the right in-app payment partner?

Navigating the world of payment providers can be complex. Schedule a free, no-obligation chat with one of our specialists and we'll help you decide which integration route fits and what to compare next.

  • Independent guidance from people who do this every day.
  • Support comparing suitable providers for your app and stack.
  • A clear shortlist based on how your app actually trades.
Start My Free Comparison

Frequently asked questions

What are in-app payments?
In-app payments let customers complete purchases directly inside your mobile app without being redirected to an external page. They provide a smoother, faster, and more secure checkout — and typically lift conversion and customer satisfaction.
How do I choose the best in-app payment provider?
The right provider depends on your app's setup, target audience, and business goals. We evaluate your requirements — from preferred payment methods to fraud prevention — and match you with providers offering the best mix of flexibility, reliability, and cost.
Are in-app payments secure?
Yes. The providers we work with use advanced encryption, tokenisation, and real-time fraud detection to keep every transaction safe. Most also simplify your PCI DSS compliance obligations by managing sensitive payment data on your behalf.
Do I need a developer to set up in-app payments?
That depends on the integration. SDKs and hosted pages can be quick to wire up with minimal coding. For a direct API integration, your developer can build a fully custom checkout experience that fits your app perfectly.
Can I accept Apple Pay and Google Pay in my app?
Absolutely. We work with providers that seamlessly integrate leading digital wallets like Apple Pay and Google Pay, enabling one-touch checkout experiences that increase trust and conversion rates.
Can I take international payments through my app?
Yes. We partner with providers that support 100+ currencies, local payment methods, and automatic currency conversion, so your business can expand globally while keeping the experience simple for customers.
What does your service cost?
Our service is completely free for you. We're paid a small commission by the provider when you choose to proceed — this doesn't affect your rates or pricing in any way. It simply allows us to keep our comparison and consultation service cost-free for your business.
How long does it take to get set up?
Depending on the provider and integration type, setup can take anywhere from a few hours to a few days. We'll guide you through the process to keep launch smooth and predictable.
Speak to an adviser