E-commerce Mobile App Development Singapore

In last few weeks we had good experience of paying through Apple pay in our physical stores, in Singapore.  Obvious question that comes in to the minds of developers and ecommerce app owners is whether they can use the Apple Pay technology in their ecommerce mobile app development in Singapore.  The encouraging fact is that it is possible and we strongly recommend, to use the Apple Pay for your e-commerce apps.

Apple pay user experience in mobile app:

From the user experience point of view, Apple-pay is another option for payment users get, while checking out. Authentication is through the finger prints – the same way as users use at physical shops.

Read more details on user experience from Apple’s support pages:https://support.apple.com/en-sg/HT201239

Apple Pay to your existing e-commerce mobile app:

Enhancement effort to add apple pay to your existing e-commerce mobile app should be minimal.  You will need to publish a new version of your app in the Appstore.  And note that only latest models of Apple devices are supporting Apple Pay.  iPhone6, iPhone6 Plus, iPAD Air 2 and iPAD Mini 3 are the models that can support Apple pay now.  That shouldn’t be a holding factor for you, the potential benefits of Apple Pay justifies in investing in enhancing your app to support Apple pay now. The ease of use for the end-users Apple Pay brings in is huge

New e-commerce mobile app with Apple pay payment option:

If you are still at planning phase of your ecommerce mobile app, this is the right time to bring in the Apple Pay into it.  Apple Pay is not supported in all counties yet, but it is a question of time only.

Apple Pay vs In-App purchase:

Apple pay is for the use of physical goods and services.  These transactions do not go through the in-app payments mechanisms. Apple is NOT directly responsible for the Apple Pay transactions, while Apple directly takes care of the money transactions in the case of in-app purchases.  As such, Apple will not deduct any money from you (either consumer or the merchant) for the Apple Pay transactions.

Apple Pay implementation details for mobile app developers:

Apple Pay uses PassKit framework for the implementation (in-app purchase uses StoreKit frame work).  Apple’s developer web site has tremendous amount of resources to help developers in the implementation process: https://developer.apple.com/apple-pay/

Another useful tutorial for developers: https://www.raywenderlich.com/87300/apple-pay-tutorial

At Zoliotech we developed apps apps using Apple Pay for an e-Commerce payment.  It was a cool experience.  The ease of use Apple Pay brings in is amazing !

Please contact us here  if you would like to explore similar enhancement for your existing app or an app you have plan in your mind to be materialised soon.

Apple Pay in Singapore

Apple Pay: 6 Frequently Asked Questions

1. How exactly does Apple Pay work?

Apple Pay can be used for two things: two pay in physical shops and to pay in apps.

When you’re at a physical store, Apple Pay makes it incredible easy to hand over the moolah when you’re done shopping. Say goodbye to fishing through your wallet for cash or credit. If Apple Pay is set up, you just need to hold your iPhone over the contactless reader with your thumb on Touch ID (for the thumbprint verification).

It’s that simple – you don’t even need to open an app.

Same thing for paying for items in-app. Paying for an Uber? Checking out after shopping online? Just hold your finger to Touch ID and Apple Pay will take care of the rest.

2. Is it secure? Will my money and personal details be safe?

Absolutely. If the whole Apple-FBI saga showed us anything, it’s that Apple is pretty serious about privacy and security. In fact, Apple Pay is actually more secure than just using credit cards at stores. Hear it from Apple themselves:

“Every time you hand over your credit card to pay, your card number and identity are visible, and swiping your card triggers an exchange of information. With Apple Pay, instead of using your actual credit card numbers when you add your card, a unique Device Account Number is assigned, encrypted and securely stored in the Secure Element, a dedicated chip in iPhone, iPad and Apple Watch. When you make a purchase, the Device Account Number, along with a transaction-specific dynamic security code, is used to process your payment. So your actual credit card numbers are never shared by Apple with merchants or transmitted with payment.”

In short, your credit card details aren’t neither stored on your iPhone nor transferred to merchants. So even if merchant’s computer systems are hacked, your money is safe with Apple Pay, withTouch ID acting as a final layer of security. And if you lose your phone, the Find My iPhone feature allows you to disable Apple Pay.

3. Is my device compatible?

Apple has the answer:

Source : http://www.apple.com/sg/apple-pay/

The iPhone 6 and later has the full functionality of Apple Pay. On the iPad, you can’t use it to pay at physical stores in lieu of your credit/debit card, but you can still use it for in-app transactions.

4. Where can I use Apple Pay in Singapore?

Again, Apple has the answer:

Source : http://www.apple.com/sg/apple-pay/

What’s great is that nearly all our daily purchases are covered in this list – supermarkets, convenience stores, and food courts. Currently, you need an American Express credit card to use it, with Visa compatibility being added soon.

It’s also really easy for other retailers to start accepting Apple Pay – they don’t even need any new hardware, because any contactless card-reader that accepts Amex will work with Apple Pay.

So it’s just a matter of time before Apple Pay is literally everywhere, as ubiquitous as NETS and credit are today.

5. Can I use Apple Pay for my business?

Certainly. Apple Pay will make it exponentially easier for your users to pay within apps.

Apple Pay is a great way to escalate your checkout conversion rates With Apple Pay, checkout is as simple as putting your thumb to the fingerprint reader – that’s it. Say goodbye to memorising your credit card number, and then fishing through your wallet for the card when you’ve forgotten the number.

And it has shown results: SeatGeek, an American app which lets you book concert and sports tickets, nearly tripled its revenues with its help. SeatGeek brought its conversion rate from to 30% to 80% with Apple Pay (http://www.forbes.com/sites/briansolomon/2015/01/22/forget-stores-apple-pay-is-already-taking-over-mobile-shopping/#5fe9e7915b56). Others (http://www.monetate.com/blog/apple-pays-impact-ecommerce-typing-in-your-credit-card-number-is-so-yesterday/) that are exploiting the possibilities of Apple Pay include Airbnb, Uber, Lyft, Groupon, Indiegogo, Eventbrite, and countless others.

At Zoliotech, we’re as excited as you to get started with Apple Pay. Contact us while it’s still the new thing on the block!

6. Will Singaporeans warm up to Apple Pay?

Some (https://vulcanpost.com/430131/apple-pay-reach-singapore-next-year-will-people-pick/) analysts(http://www.channelnewsasia.com/news/business/apple-pay-to-see-slow/2710322.html) have been saying that Apply Pay will be slow to catch on in Singapore.

But Apple Pay has produced clear results in other countries, despite similar initial skepticism. Just four months after Apple launched it in the United States, 11% of credit-card holders and two-thirds of iPhone 6 owners had adopted it. http://phoenixmi.com/pr/apple-pay-performance-the-first-four-months/

At the end of the day, Apple Pay is a quantum leap from older attempts at NFC payments in Singapore. It makes NFC payment effortless for businesses to set up and for customers to use. Very soon, everyone will be using it.