Best Practices to Enabling Secure Mobile Payments on Your App

mobile-secure-payments

Are you planning to accept mobile payments on your app, or are you in the process of building one with the feature? The majority of apps out there are proving to be easy prey to hackers. It is crucial that any transactions that are being carried out on your application be secure – it will involve credit card numbers and bank account information of your customers, the security of which cannot be compromised.

There are two major areas you must secure: the user interface and the mobile payment system.

How to go about securing the interface?

The payment user interface is where customers will input their information. To keep it secure, it must:

  • Allow access only after validation: Most of the safest apps have a 2-step validation process that lets users initiate a transaction only after their identity has been confirmed. This identity confirmation can be launched through fingerprint scanning, face scanning or mobile number confirmation.
  • Auto-formatting: Auto-formatting involves setting up a form with clear and legible fields, telling users exactly how and where to input their data, and auto-correcting it and formatting the data as it is being entered.

How to go about securing payments

 The best way to ensure all the transactions on the application remain safe is to comply with OS guidelines, which vary, and to keep your app updated. You should also follow PCI guidelines, which include:

  • Barring super-users from installing the app: Some devices are jailbroken by their users. Jailbreaking is an unsafe practice that can open the device up to hackers. By preventing your app from being installed on vulnerable phones, you can prevent it from being hacked.
  • Remote disability feature: What happens if the device on which the application has been installed gets stolen? With a remote disabling function, you will be able to delete or disable the user account and prevent the thief from initiating a transaction.

These are, by no means, the only security guidelines you need to follow. If you don’t have experience with programming, we recommend hiring a mobile app development team to upgrade your app to ensure it has tight security.

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