How to Integrate Stripe Payment Gateway into a FinTech Android Application

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Stripe Android Integration

With the dawn of mobile apps, all the banking and financial institutions have undergone phenomenal transformation towards advancing and upgrading technologies to meet customer’s expectations. People working in financial institutions felt the demand for the inclusion of FinTech app development in their strategy to appease people in their fold. FinTech app development emerged as a response to the needs of having a more effective financial system. It is considered as the backbone of financial and banking industries. Since payment processors are provided by FinTech companies and financial institutes which are dedicatedly working for streamlining the payments, it is a more feasible choice than writing own code for processing payment. One very popular payment processor providing company is the Stripe. It enables merchants to accept payment through various payment channels.

Stripe Payment Gateway Integration in Android

The Stripe Android SDK makes it quick and easy to build an excellent payment experience in your Android app. They provide powerful and customizable UI elements that can be used out-of-the-box to collect your users payment details. They also expose the low-level APIs that power those UIs so that you can build fully custom experiences.

Collecting payments in your Android app consists of creating an object to track a payment on your server, collecting card information in your app, and submitting the payment to Stripe for processing. Stripe uses this payment object, called a PaymentIntent, to track and handle all the states of the payment until it is completed. The Stripe class is the entry-point to the Stripe SDK. It must be instantiated with a Stripe publishable key.

Stripe is one of the best online payment platforms. Its unique dashboard lets you build e-commerce applications and sell products even without a single line of back-end code. Stripe is making a difference in developer community though their payment service integration, user-friendly documents and API.

Getting Started with the Android SDK – How to Integrate the SDK?

1. Set up Stripe:

The Android SDK is open source and fully documented. First, you need a Stripe account and this integration requires endpoints on your server that communicate to the Stripe API.

To install the SDK, add stripe-android to the dependencies block of your app/build.gradle file. Configure the SDK with your Stripe publishable key so that it can make requests to the Stripe API, such as in your Application sub-class.

Stripe Android Integration

2. Create your Checkout Page:

Securely collect card information on the client with CardInputWidget, a drop-in UI component provided by the SDK.

Create an instance of the card component in your layout.

Stripe 2

3. Create a PaymentIntent:

Stripe uses payment object, called a PaymentIntent, to track and handle all the states of the payment until it is completed. On the server side, make an endpoint that creates a PaymentIntent with an amount and currency and on the client side, request a PaymentIntent from your server and store its client secret.

4. Submit the Payment to Stripe:

When the customer taps the Pay button, the PaymentIntent gets confirmed to complete the payment. First, assemble a ConfirmPaymentIntentParams object with the card component’s payment method details and the PaymentIntent client secret from your server. Rather than sending the entire PaymentIntent object to the client, use its client secret. The client secret is a string that lets your app access important fields from the PaymentIntent (e.g., status) while hiding sensitive ones (e.g., customer).

Finally, complete the payment by calling the stripe confirmPayment method. When the payment gets completed, onSuccess is called and the value of the returned PaymentIntent’s status gets succeeded. Any other value indicates that the payment was not successful. To determine the cause of payment failure, inspect lastPaymentError.

5. Test the Integration

There are several test cards you can use in test mode to make sure this integration is ready. Use them with any CVC, postal code, and future expiration date.

Some of the sample test cards are given below:

4242 4242 4242 4242 – Succeeds and immediately processes the payment.

4000 0000 0000 9995 – Always fails with a decline code of insufficient_funds.

4000 0000 0000 0069 – Charge is declined with an expired_card code.

4000 0000 0000 0127 – Charge is declined with an incorrect_cvc code.

4000 0000 0000 0119 – Charge is declined with a processing_error code.

Key Features of Stripe SDK

 

1. Simplified Security: Use the SDK to collect credit card numbers and remain PCI compliant. This means sensitive data is sent directly to Stripe instead of passing through your server. 

 

2. Google Pay: Stripe is fully compatible with Google Pay.

 

3. Stripe API: It provides low-level APIs that correspond to objects and methods in the Stripe API. You can build your own entirely custom UI on top of this layer.

 

4. SCA-Ready: The SDK automatically performs native 3D Secure authentication to comply with Strong Customer Authentication regulation in Europe.

 

5. Native UI: It provides native screens and elements to collect payment and shipping details. For example, CardInputWidget is a view that collects and validates card details. You can use these individually, or take all of the prebuilt UI in one flow by following the Basic Integration guide.

  

If you’re an Android developer and looking forward to learn how to integrate Stripe payment gateway in an Android Application, this article will help you how to do it right. We hope you find it as easy to use.

 

Reference: https://stripe.com/docs/payments/accept-a-payment#android-create-payment-intent

By,
Namitha Ann Pothen
Software Engineer, RapidValue

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