In-app payments

In-app payments, also known as mobile payments, refer to transactions made directly within a mobile application using a smartphone or tablet. This method allows users to purchase products, services, or digital content without leaving the app. These payments represent the evolution of mobile commerce, using features such as biometric authentication, , and mobile wallet integration to create seamless payment experiences without redirecting users to external payment pages or requiring manual entry of payment credentials.

The core technologies enabling in-app payments include biometric authentication methods like scanning, facial recognition, or voice verification that provide security while maintaining convenience. Tokenization replaces sensitive payment data with unique tokens that can be safely stored on devices and transmitted during transactions. (NFC) enables contactless payments at physical locations, while software development kits (SDKs) embed payment functionality directly into applications. Integration with mobile wallets such as Apple Pay, Google Pay, and Samsung Pay provides additional security layers and familiar user interfaces.

The advantages of in-app payments extend beyond convenience to include enhanced security through device-specific authentication methods that are significantly harder to compromise than traditional passwords. Users experience improved conversion rates due to reduced friction, while merchants benefit from higher transaction completion rates and the ability to offer personalized payment options based on user behavior and preferences.