Payment Gateway App Development for Fast, Secure, and Scalable Transactions

Deliver seamless transactions with bespoke mobile payment app development tailored for security, speed, and scalability. At Apps Plus, we build mobile-first payment solutions that integrate directly with financial ecosystems and merchant tools — ensuring smooth transactions for peer-to-peer (P2P), business, and global payments.

As a UK-based payment processing app development company, we’ve helped brands like Jaguar Land Rover and Hammonds Furniture reduce friction, improve processing speeds, and launch secure financial platforms that scale with growth.

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Key Differentiators & Benefits

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Real-Time Payments with Full Compliance Our systems support real-time transaction processing with built-in tokenisation and full adherence to PCI-DSS standards, ensuring secure and compliant payment handling.
Flexible Payment Options Across Currencies We enable seamless payments through cards, digital wallets, and direct bank transfers—supporting multiple currencies for global transactions.
Trusted by Leading UK Enterprises Top UK brands such as Jaguar Land Rover and Hammonds Furniture trust our payment infrastructure to support their high-volume, mission-critical operations.
Secure, Scalable Payment Architecture
Built for growth, our payment platforms feature advanced fraud detection, encrypted data processing, and scalable infrastructure designed for enterprise performance.

Tailored Payment Apps for P2P, Merchant, and Business Transactions

Built for Merchants, End Users, and Fintech Teams

Whether you’re launching a P2P payment app or creating an internal business transfer platform, our payment app development services support multiple roles, including users, merchants, and administrators. We build features like one-tap payments, automated billing, instant refunds, and full transfer histories — all within a mobile-first design. From public-facing apps to internal enterprise tools, we align the experience with your operational workflows.

Seamless Gateway and Bank Integrations

We provide integration with leading payment processors including Stripe, PayPal, Braintree, Adyen, Worldpay, and bespoke banking APIs. Our apps are built for Android, iOS, and web portals with modular API designs that enable quick onboarding of partners or platforms. Whether you’re building a standalone phone pay app or embedding payments in a larger digital ecosystem, our developers ensure maximum compatibility and flexibility.

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Business Benefits of Payment Gateway App Development

Secure, Real-Time Transactions That Build Trust

We embed tokenisation, end-to-end encryption, and secure data storage into every payment transfer app development project. With 3D Secure, biometric login, and OTP-based authentication, users enjoy low-friction, high-trust checkouts. Our apps are designed for performance, ensuring fast authorisation times and low-latency processing across all devices.

Global Payments With Local Compliance

Whether your business operates across borders or within the UK, our online payment transfer app development supports international currencies, tax regulations, and regional formats. We ensure compliance with PCI-DSS, PSD2, GDPR, and local financial standards, while offering full localisation support for languages, currencies, and legal requirements.

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Our Process for AI and Cognitive App Development

We start by mapping your payment flows, user roles, currency needs, and fraud risks. From there, we design the underlying architecture — including payment gateway integrations, secure APIs, and compliance infrastructure. Whether you’re developing a P2P payment app or a high-volume processing tool, we lay the technical foundation for scale and resilience.

Our agile development cycles allow rapid integration of payment APIs, testing of UI elements, and creation of real-time transaction logs. We build custom dashboards, enable webhook support, and provide sandbox environments for simulation. Every integration is stress-tested to ensure consistent performance and security under load.

AppsPlus conducts penetration testing, secure token validation, and encryption audits prior to deployment. We integrate anti-fraud systems including transaction scoring, IP analysis, and rate limiting. Our solutions are always launched with complete audit trails, GDPR compliance, and long-term maintenance options.

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Ciclozone

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Really Awesome Coffee

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Jaguar Land Rover

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Why Choose Apps Plus for Payment App Development

Proven Track Record With Secure Payment Systems 

Our team has delivered robust mobile payment app development projects for businesses handling sensitive financial data. We’ve helped brands optimise transaction speed, automate reconciliation, and gain full transparency through reporting dashboards and alerts. Whether you’re launching a new app or replacing legacy systems, we ensure low-risk delivery.

UK-Based Development With Fintech Expertise

 With a Coventry-based team and UK fintech focus, Apps Plus delivers regulated, enterprise-grade mobile payment apps with global reach. You get fast onboarding, direct access to senior developers, and agile delivery tailored to your roadmap. We understand the nuances of UK and international compliance and bring deep experience across sectors.

Our USPs:

  • UK-based team 
  • Over 12 years of experience 
  • Bespoke app development, scalable to any business
Transform Your Business

Payment Apps Designed for Speed, Compliance and Scale

Fast, Mobile-Friendly Payment Experiences 

We optimise the user experience with responsive mobile UIs, card scanners, saved payment methods, and one-tap interactions. Every interface is designed to reduce friction, accelerate transaction approval, and support retry mechanisms in case of network failure. We prioritise performance across smartphones, tablets, and hybrid platforms.

Embedded Fraud Protection and Compliance Monitoring 

All our payment p2p app development projects include real-time fraud scoring, velocity checks, and transaction flags. Admin dashboards allow you to monitor dispute cases, track chargebacks, and enforce policy rules. We maintain full audit trails, enforce anti-replay measures, and implement token lifecycles with strict revocation protocols.

Frequently Asked Questions

How do you integrate a payment gateway into an app? 

We integrate payment gateways using secure APIs, handle credential exchange, and develop UIs that enable seamless transactions. Our team conducts sandbox testing and manages live-to-test environment switches to ensure zero disruption during development.

What are the best payment gateways for mobile apps? 

We recommend payment gateways like Stripe, PayPal, Braintree, and Adyen based on your region, transaction volume, and operational needs. Each platform offers unique advantages in terms of fraud protection, fee structures, and currency support.

How secure is payment gateway integration? 

We apply AES encryption, TLS protocols, and tokenisation to secure transactions. Our apps use multi-factor authentication and comply with PCI-DSS to protect user data and transaction integrity.

What APIs support global or international payments? 

Stripe, Adyen, and PayPal offer multi-currency support, global bank access, and localisation tools for tax, language, and regional preferences. We ensure that all integrations align with international financial regulations.

How do you handle payment failures and retries? 

Our apps include intelligent retry systems, transaction polling, and fallback messages. We ensure that users are notified of failures and can seamlessly switch methods, while developers and merchants receive diagnostic logs.

What fraud prevention features are included? 

We implement tokenisation, CVV validation, geofencing, and velocity checks. Suspicious activity is flagged with options for automated rejection or manual review. Admins can also define custom fraud rules and thresholds.