We are about to develop new mobile application that requires the end user to fill his payment information, which will be redirected to a third party’s portal to pay for a certain services through the application ( using Web Services )
user send billing information using web services , Is this legal for apple ?
It's OK to integrate 3rd party credit card payment systems in your app (for example PayPal, Amazon payments, etc. or your own system) as long as you do not sell services, extensions, etc. to your app. As you say you're going to sell physical goods, it is OK for Apple. Amazon app does the same thing. Btw it is even explicitly prohibited to use in-app payments to sell physical goods.
EDIT: more answer to the detailed questions in the comment
IMHO (see disclaimer):
Shipping fees of physical goods and signup fees for your physical service are NOT services or extensions - in the sense that Apple uses it, it applies only to some additional features to your application, for example a new level in a game or a new map in a mapping app
to be legally store, transmit, process credit card information, you will have to be compliant to the Payment Card Industry Data Security Standard. Here Apple has nothing to do, but both Visa and Mastercard (and maybe also other card issuers) require that you implement these practices if you wish to process credit card data of their cards
this last requirement might be tricky so I really suggest you to look for some ready solution instead of implementing your own. See also the first answer to this question: Use In App Purchase For Real Goods
DISCLAIMER: I am not a legal authority or somebody from Apple so I can give you just hints but not a legal advice - will have to ask a lawyer for an "official" answer :)
Related
We're a subscription-based business migrating from Braintree to another payment provider. We're hitting a wall with migrating our Apple Pay customers from one to the other.
The destination payment provider is requesting the Apple Pay PAN details. Braintree do not export this, but it would seem to be a requirement of any destination processor. As I understand it the PAN is the encoded individual card number for each transaction/customer - without the certificates (which we do have of course) the PAN is useless except to the original processor, but required by the destination processor so they're able to produce new ones for their platform.
tl;dr we need to obtain the Apple Pay PAN references for our Apple Pay customers. Neither Braintree nor Apple are able to assist it seems (so far at least).
Does anyone have any experience with this process that they can share insight from?
Thanks.
I'm making a utility application for a photographer. He is going to (obviously) be taking pictures, but wants to charge people at an event for a handful of digital images emailed or shared on social media. In this situation i would have to use Paypal or Square SDKs and not in app purchasing because he is going to compose the transaction and not the customer buying the pictures. Sort of like a mini POS system. He can't pay himself with another's credentials - so it would have to be a 3rd party solution. right? Is this against Apple's guidelines?
Am I over thinking this?
If the intent is to support in-person / face to face (swipe) credit card or keyed in credit card payments, check out the PayPal Here SDKs for iOS and Android which are now available on the PayPal Developer site:
https://developer.paypal.com/webapps/developer/docs/integration/mobile/pph-sdk-overview/
There is also a version for Windows 8.1+ in Beta, available upon request. You can email DL-PayPal-Here-SDK#ebay.com for help with any of these.
I have a Windows Store app for a newspaper in the Windows Store. Each issue (one per work day) can be bought using in-app purchases. In Windows Store, it looks like i can define only 100 in app purchases. In my case, that is about 4 months of daily issues.
Is 100 really the limit? Has anyone found a way to add more?
I cannot find a way to add more in-app purchases to the app. The milit of 100 would be a really stupid constraint and I would need to remove to ability to buy old issues in order to add new issues.
Windows 8 doesn't support subscription-based purchases but it does support time-limited purchases.
One option is to let the user purchase "credits" that can be applied toward an issue. Similar to how Audible lets you purchase audiobooks with credits.
Here's the thing though. Newspapers make money off advertisements. The purchase price isn't for the content, it's for the materials that it costs to deliver the paper. A digital paper costs nothing to deliver so why are you charging for it?
The store does not support subscriptions. However you can just use a third party provider for this.
As mentioned in the 'Flexible business Model'
http://msdn.microsoft.com/en-us/windows/apps/hh852650.aspx
The Windows Store provides you with the freedom to choose the business
model that’s right for your apps. The Store provides full platform
support for free apps, trials (both time-based and feature-based), and
paid apps, as well as in-app purchases. You’re free to manage customer
transactions directly using your own or third-party services for
in-app purchases and subscriptions, or use the services provided by
the Windows Store. For apps that are supported by ads, you’re free to
choose the ad platform that best meets your goals.
Paypal is accessible via this api:
http://paypal.github.com/Windows8SDK/
or directly via a form post
How to Form POST to Paypal from WinJS iframe Windows 8 App?
I am working on an iOS project where the customer wants to sell hardcopy books in the application. I did this application using PayPal, but I don't think Apple will approve the PayPal user and the book will delivered to buyers by address. How can handle this? I want also to sell ebooks and I don't know how to handle that.
Thanks!
You should read the developer guidelines very carefully, but there doesn't seem to be any restriction against creating apps that sell physical goods. You can't use In-app Purchasing for that, but it doesn't sound like you want to anyway:
https://developer.apple.com/appstore/guidelines.html
I'm building a marketplace application:
The customer pays the seller on the marketplace
The marketplace takes a cut of the payment
I would have a payment processing system with the following features
The cut and the 100%-cut are sent directly to the marketplace and seller accounts (ie, I don't want to have 100% on the marketplace account and then to forward the 100%-cut to the seller)
I would love to have a UI as much integrated with the marketplace website as possible. This implies that the customer in the worst case has to put only name, surname and credit card number on the payment processor interface (the ideal would be a payment interface totally integrated with our website)
I don't want to force the customer to register to any third party service
It should work nicely with Ruby on Rails
It should work for non US-based companies and should support multicurrency payments
What are the options out there?
Thanks.
I'd recommend you look at our product Balanced. It's built to solve exactly this problem so I think it's a good match.
At a high level payments in are done via credit card like a normal payment processor, funds are deposited into an escrow account which is a sum of all funds collected - all funds disbursed. When you're ready to push funds out you can currently pay out via next-day ACH (US only) but we're building out international support which sounds like it would be useful for you.
I believe it matches your other requirements:
there is no requirement to send users offsite, they do require accounts but you can create and edit them via the API.
Balanced has an excellent ruby gem
You can split up the payment, taking a cut from the proceeds as profit
Balanced provides you with a merchant dashboard for you and your customers to get a head start but you can build the exact same thing via API access.
One area where it's not going to meet your requirements is multi-currency charges. Currently you'll need to charge in USD and convert.
Check out https://github.com/drhenner/ror_ecommerce It doesn't have all the features you want but will give you a big head start.
Basically active merchant will connect to most gateways. You need to add the custom code. Look at the video for more help http://ror-e.com/info/videos/1