iOS - Integrating credit card payments

Question

I'm aware that we can integrate in-app purchases with storekit. but i want to integrate payments using credit card. will apple allow to integrate such libraries? Are there any such libraries available where users can use their credit card for payment of products with in my app?

Answer 1

Depending on what users are purchasing*, you should be just fine accepting payments in your app. Instead of trying to incorporate some type of payment library into the app I would recommend using a payment API that offloads the work. Take a look at http://stripe.com/ for an example of an excellent payment system designed for ease of integration. Their API reference even mentions integration with iPhone apps.

*If you are trying to sell features or services of the app itself you will almost definitely be running afoul of Apple's guidelines, but based on the fact that you said "products" I am assuming this is not the case. In fact, while you must use the in-app purchase system for "content, functionality, or services in an app" you are specifically forbidden from using it for "physical goods or goods and services used outside of the application" (item 11.3 of Apple's App Store Review Guidelines).

Answer 2

Apple does allow not Apple's IAP in-app payments for goods not consumed in the phone (Digital content) as stated above. See this example of an approved app that use external library for accepting credit cards in their app: iStash

In my opinion Stripe is good solution but not the ideal for in-app as it is a web based solution and focuses on web experience.

If you want a true mobile in-app experience I suggest you check out PayPal library or my company, ZooZ, which accepts both PayPal and Credit Cards in one integration.