10 Best iOS Libraries For Payment Processing

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List of Best iOS Libraries For Payment Processing in iphone and ipad apps

Want to accept payment in your iPhone app? We have a list of libraries that can save you time and make in app purchase payment seamless.

People love to shop online. In fact, the long term average annualized growth rate of eCommerce is nearly 17%. What that means is that everyday more and more people look to their phones and computers when they want to spend. And boy, are they looking at their phones.

ECommerce website Payments are absolutely easy, and the same trend is also appearing in mobile apps world.

Today, more people look to their mobile devices to surf the web than traditional fixed devices. And when they’re on their phones, they’re using apps. Indeed, people spend 85% of their time on their phones using apps.

Basically, this means that every day, more and more people are using apps on their phones to surf and shop. When you design your iOS app you need to keep in mind how you plan to capture those customers and monetize your brand.

Even before jumping in to a third party library you may also want to explore iBeacon payment options.

A payment processing library allows you to accept digital payment right from your iOS App. Here are the best libraries for you to choose from.

Best Payment Libraries For iOS Apps

sample of payment library use on iPhone


Stripe has been garnering a lot of press lately, and for good reason. Stripe has worked with companies like Kickstarter, Lyft, Pinterest, Reddit, Twitter, and more. They offer native libraries for both Android and iOS apps that allow you to collect credit card information without having to worry about or handle sensitive data. That means customers can pay safely and securely from your app. What’s more is that the Stripe library is backwards compatible to iOS 5.0.


Omnipay is a payment processing library for PHP. What makes Omnipay such a valuable library is its clear and consistent API. This allows you to learn only one API and utilize it in multiple projects using different payment gateways. It comes with an example application to help get you started and give you a feel for what their service is like.


Payum gives you everything you might need to process payment. Payum is a payment processing framework in PHP 5.3+. This framework covers Paypal, Stripe,, Be2Bill, Klarna, and more. One of the main reasons Payum is such a versatile library is the high level of customization it offers. Because you can customize Payum for your particular business it is most useful for those that want to offer features like instant notifications and recurring payments, as well as simple capture and refund of payment.


sample of payment library use on iPad

Braintree is in competition with Stripe for all the coolest clients. Stripe has Lyft, Braintree has Uber. Stripe has Kickstarter, Braintree has AirBnB. The reason for the competition is the easy integration of Braintree, the amount of payment options available (like Bitcoin and Apple Pay), and their quick One Touch checkout option. Basically, if you want a quick and easy payment processing choice for your iOS app, Braintree is one of the best, and coolest, options you can go with.

Cardinal Commerce

Cardinal Commerce has been in the eCommerce business since last millennium. Today they are a global leader in payment processing, authentication, and ensuring secure transactions. By offering mobile payment platforms, big data solutions, and even alternative payment options, Cardinal Commerce is sure to offer what you’re looking for.


Authorize.Net simplifies the payment process and gives you the tools to accept payments from virtually anywhere, including an iOS app. Aside from allowing you to accept payment, Authorize gives you a wide range of tools to help you grow your business. Authorize offers great tools to fight fraud, award winning customer support, and boasts more than 400,000 merchant customers like Shopify, SurveyMonkey, and Chase bank so you know you’re in good hands.


E-xact has worked with thousands of merchants, from large corporate entities to small mom and pop shops. They know the difficulties and opportunities that are tied up in accepting payment processing from your iOS app. They offer recurring billing and subscription services and open source API software, too. Plus, they let you sign up for a free demo account so you’ll know what to expect from the very beginning.


Mercury was named the fastest growing payment processor in the U.S. by the Nilson Report. That’s because they offer fast transactions, reliable service, and PCI compliant data security. Their state-of-the-art integrated processing technology makes online transactions easy and dependable. Mercury allows you to accept all payment types, comes with 24/7 customer support, and gives you customized reporting options.


WorldPay started way back in the 80s and over the past few decades has emerged as one of the largest global merchant acquirer. In fact, they are the largest in Europe. This means that WorldPay is able to safely and securely process payments from across the globe and is a trusted resource in both Europe and the U.S.


Moneris helps you close deals, not apps. They deliver innovative technological solutions and unparalleled customer service for their merchants. They focus on technology, innovation, and people so you can focus on what you do best and leave the headache of safe and secure payment processing to dedicated professionals.

Choose Wisely

accept credit cards on iOS apps on iPad and iPhone

Let’s face it, you want your app to be successful and help your brand generate revenue. With so many iOS options for payment libraries available, you need to determine which one fits best with your app and your brand. In order to find the one that’s right for you, you’ll need to do a little homework, research your options, and choose the one that best integrates with the app experience you want your users to have. Some options allow for more customization, others focus on security, and still others are dedicated to accepting alternative forms of payment.

Many of the options listed above, like Stripe, Omnipay, and E-xact, offer free trials or example applications so you can get a real feel for how they integrate with your iOS app. Regardless, you should choose an option that will grow with you, allow for customization, and offers state-of-the-art security. These ten options are a great place to start.

Stefan Ramirez is a Marketing Assistant for Allied Wallet, one of the leading global payment processors available. In his free time, he enjoys blogging, skiing, and spending time with his beautiful wife and daughter.

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