9 Payment Gateways Every Local Service App Should Have

Payment options are crucial for local service apps to provide customers with a seamless experience. Completing a transaction requires a convenient payment method, so integrating multiple payment gateways is important to meet customers’ diverse needs. This article outlines 9 essential payment options that local service apps should consider to boost sales and user satisfaction.

1. Credit Cards

Credit cards remain the most widely accepted form of payment around the world. For customers, credit cards offer rewards programs, buyer protection, and the ability to pay over time. Integrating credit card processing allows apps to access this large customer base.

When implementing credit card payments, apps should support one-time and recurring billing options. One-time payments work well for single transactions, while recurring billing enables paid subscriptions. It’s also important to protect card details using encryption both during transport and storage.

Payment providers like Stripe and Braintree offer simple credit card APIs that Apps can integrate. After filling card data, the API returns a token to complete the transaction securely off-site. Tokenization prevents storing sensitive card numbers in your system and meets PCI compliance.

Apps must also support standardized address verification (AVS) which validates the cardholder’s billing address. This provides an extra layer of fraud protection. Combining AVS with card security codes (CSC) can further reduce chargebacks and fraud.

2. Debit Cards

Debit cards are attractive for customers who prefer not using credit or don’t qualify for it. Technically, debit card processing differs little from credit cards. Apps can reuse their credit card APIs and plugins for debit cards as well.

However, debit transactions require additional security measures like verified by VISA and Mastercard SecureCode during online checkout. These validate customers against their issuing bank before authorizing transactions protecting against fraudulent debits from their accounts.

Debit cards also lack some of the perks of credit like rewards and charge dispute windows. So for customers, debit transactions feel more like direct money transfers. Apps need to clearly communicate this distinction to set proper cost and risk expectations.

Finally, while credit card disputes can be reversed, disputed debit transactions directly debit funds from merchants’ accounts during investigation. So apps must balance security with minimizing unnecessary friction in the checkout flow. Visit Zipprr https://zipprr.com/urbanclap-clone/

3. PayPal

PayPal has become a dominant global online payment method thanks to its massive reach and familiar brand name. Many online shoppers feel more comfortable paying with PayPal rather than entering their card details on new sites.

Integrating PayPal payments is straightforward using their developer APIs. Apps can add a PayPal button or drop-in non-localized fields to capture details. PayPal then handles the payment processing offsite for added security and compliance.

Beyond core payments, PayPal also supports additional products:

  • PayPal Credit allows shoppers to pay over time interest-free on larger purchases. This expands eligible customers and orders.
  • PayPal business payments facilitate easier invoicing and receiving money from other PayPal users apart from regular consumers.
  • Venmo integration opens up to a huge young demographic through its popular P2P app.

Accepting PayPal opens up apps to its huge global user base and provides an easy universal login for customers. Payment approval rate is also higher through PayPal compared to direct card payments.

4. Apple Pay

Apple Pay is the premier mobile payment platform for iPhone users, powering over 1 billion contactless payments in 2021. Integrating a payment method preferred by iPhone customers increases conversion and average order values.

Implementing Apple Pay follows a straightforward approach. Apps register as merchants with Apple and add an Apple Pay button during checkout connected to their payment provider. No additional plugins or SDKs are needed.

When customers tap Pay, a device-based authentication using Touch ID or Face ID securely passes just a device account number to merchants, keeping financial details private. This increases security and reduces fraud.

App developers also get access to powerful Apple Pay marketing tools. For eg. providing exclusive discounts or special checkout screens for Apple Pay users encourages more to try the payment option. It also strengthens customer loyalty within the Apple ecosystem.

Finally, since transactions use a device number, no additional shipping addresses are usually needed. This streamlines the mobile checkout process further.

5. Google Pay

Google Pay is the mobile wallet solution for Android users, similar to Apple Pay in concept and capabilities. Any app supporting Apple Pay payments should also integrate Google Pay to cover the majority of smartphone users.

From a development standpoint, Google Pay APIs match Apple Pay closely. Apps add Google Pay buttons or deep link payment flows during checkout. Google then handles the transaction securely off-platform.

Beyond payments, developers can also leverage Google Pay marketing programs. For example, featuring exclusive deals for the app in Google Pay, running performance campaigns promoting the integration, or showcasing in relevant app directories.

Additionally, sending transaction receipts through Google Pay provides a convenient way for Android users to easily track purchases from within their Google account. Combined with other order management features, this enhances the post-purchase experience.

Like Apple Pay, Google Pay transactions leverage device-based authentication and tokenization through enrolled cards. This improves security, speeds checkout and avoids duplicate address entry on mobile.

6. ACH/Bank Account

Automated Clearing House or direct bank account transfers provide a cost-effective alternative to cards, especially in the US. ACH transactions cost merchants 1-2% compared to 2.5-4% charged by credit card networks on average.

To enable ACH payments, apps either integrate merchant ACH providers like PayPal or Plaid or develop direct banking integrations supported by services like Stripe. Customers then input their bank account and routing details during checkout.

Additional verification like micro-deposits are also recommended for security. With direct transfers, funds clear within 1-3 business days compared to the instant settlement offered by cards.

While cheaper, ACH requires additional compliance for authorizing electronic debits and credits to customer accounts. Apps must also carefully communicate transfer timelines upfront to set proper expectations.

Overall ACH provides a viable low-cost option for digital payment acceptance when speed is less crucial compared to cards. It also taps customers preferring direct bank transfers over cards.

7. Cash

Cash remains immensely popular, especially with customer segments lacking credit/bank access. Enabling cash payments provides value and trust to these groups.

Apps should offer convenient cash pickup/ dropoff counters and automated payment tracking. Things like notifications for cash receipt, payment verification receipts instill security.

For contactless delivery, options like payments on delivery collected by field staff using mobile card readers maintains health standards. Real-time payment verification also prevents disputes over cash tendered amounts.

Additional features like custom cash delivery zones, prebooking slots for drop-offs within periods or dedicated pickup booths can further optimize the user experience around cash transactions.

While processing cash is more hands-on, the tradeoff unlocks entirely new customer segments for local services. Apps must also enforce strict cash handling compliance and staff training to mitigate risks.

8. Cryptocurrency

Cryptocurrencies like Bitcoin, Ethereum are gaining traction for payments, especially among younger tech-savvy demographics. Integrating leading crypto networks opens a new revenue stream.

Developers can enable cryptocurrency acceptance through payment processors supporting settlement into fiat currency. Popular choices include Coinbase Commerce, BitPay and Cryptopay.

Being a volatile asset class, cryptocurrency transactions must clearly spell out currency conversion timelines, risks and applicable fees. Merchants also lose out on chargeback protection and need alternate dispute resolution mechanisms.

Additionally, running promotion programs involving crypto rewards or cashback further drives awareness and trials among enthusiasts. Social sharing for crypto payments also attracts a passionate community of supporters.

While still niche, cryptocurrency remains an emerging trend to explore diversifying payment options in apps focused on innovating checkout experiences for new segments. Careful implementation can unlock new growth opportunities.

9. Gift Cards

Accepting gift cards expands eligible transactions by allowing customers flex their store credits. Integration requires support for manual gift card entry or scanning during checkout.

Developers need policies around activation fees, expiration dates and ensuring sufficient balance before authorization. Things like exemption from additional processing fees boost gift card usage.

Automated balance checks and top-ups using linked payment methods extend card life and spending. Notifications when gift cards approach zero also prompts additing funding before expiration.

Well-designed seller dashboards providing gift card reports, usage analytics and management tools help optimize their program. Customers appreciate integrated experiences across physical cards and digital wallets as well.

Overall, gift cards offer a hassle-free way for existing customers to spend in apps when they have partial or leftover credits available. The right implementation bolsters repeat purchases and customer loyalty.


Payment options form a critical but often underprioritized piece of the local commerce experience puzzle. As highlighted here, integrating multiple convenient and cost-effective solutions establishes trust by covering a wide range of needs.

Accessing premier gateways like credit cards, PayPal alongside newer options such as cryptocurrencies futureproofs an app against emerging trends among different demographics. Simultaneously incorporating affordable methods such as ACH, cash and gift cards also expands the eligible customer base.

With checkout being the last step before purchase, its success or failure directly impacts conversion. Well-designed payments offering seamless on-brand experiences across devices therefore strengthen loyalty and ultimately revenue growth over the long run.