Choose the Best Payment System for Making Money with Your App

When it comes to launching a startup an entrepreneur has dozens of questions to think about. Usually, they are more concerned about the design, choice of the logo, and, of course, marketing. But there is a thing that is far more important — the choice of the payment system. As that’s exactly the thing that will bring money to you and will become your main way of profit.

That choice can become a hard one. You have to keep in mind the peculiarities of your particular business, be aware of all the advantages and disadvantages of every system, even the country you are from and so on.

So, today we decided to tell you about the various payment systems to help you make a better choice for your startup.


If you have ever bought anything over the Internet, from eBay, in particular, then you are familiar with PayPal payment system.

The system supports about 25 currencies over 200 countries. Here you can check the full list of countries.

Fees: the commission PayPal charges usually depends on the following factors: the nature of the transaction, the amount of money that PayPal processes each month and whether your transaction crosses international borders and needs currency conversion. Anyway, in most cases, PayPal charges 2,9% of the amount of money your customer pays, plus it charges $0.30 for every transaction. PayPal is a rather fast system. As a rule, it doesn’t take more than 1 day to send the money.

Unlikely most of the Internet payment services, PayPal doesn’t take monthly or regular payments from the customers. In other words, you pay only when you sell. That’s especially comfortable for young startups, as far as in this case they are protected from paying service fee even if they don’t have any sales.

Yet another advantage of the system is that it’s fully customizable. The “add cart” and “view cart” options and buttons can be easily customized. The customization option requires nothing but copying an existing code.


For the current moment Stripe is working with Facebook. So, if such a powerful brand has chosen this system, it means that they had a good reason for it. The main advantage of the system is that it really cares a lot about the security.

Stripe supports 139 currencies in 23 countries. And it will automatically convert the funds into your home currency taking 2% exchange rate fee.

Fees: Stripe charges 2.9% and $0.30 fee after first 1$ million and a $15 chargeback fee. As a rule, transfers are made during 2 business days in Australia and the USA, and up to 7 business days in other countries.

Being designed by the developers, Stripe is thought to be one of the most comfortable service that enables easy customization for the product needs. It also supports multiple programming languages, such as Ruby, Python. PHP, Java, Node and is easy to deploy.


Braintree is one of the most popular full-stack payment solutions that have been adopted by mobile companies around the world. Braintree provides comprehensive solutions for mobile payments as well as a great back-end support and is considered to be one of the most progressive payment systems.

The system supports 130 currencies in 44 countries.

Fees: Braintree charges 2,9% plus $0,30 per a transaction and additional 1% for the transaction outside your home currency. The transactions are usually done during 3–5 business days or less.

One of the greatest features that Braintree provides is a new foundation launched by Braintree called Braintree SDK. SDK allows a fast mobile payment integration and provides with some great features such as drop-in UI which is customizable across the platforms and gives app developers a control over the UX.

Google Wallet

Google Wallet offers application programming interface for buying digital and physical goods in apps or in stores.

It is available in 160 countries, however, a mobile app for sending and receiving money is available only in the USA for now.

Fees: Google Wallet doesn’t charge any fees for sending and receiving money. However, if you want to add money from your credit or debit card to Google Wallet, you’ll be charged 2,9%.

Amazon Payments

Being one of the biggest e-commerce companies in the world, it’s not surprising that Amazon has launched its own payment system. Using Amazon Payments the customers can login to your website with their Amazon account credentials and pay for their purchases using the information that is stored in their Amazon account. So, the purchase can be done much faster and within little time.

Amazon Payments works with PHP, Java, and C#. It means that you can easily add it to almost any website or app.

For now, only users with a bank account in the US, UK and Eurozone countries can receive money through Amazon Payments. However, the other countries can use this payment system as well via the partnership with Pioneer. Here you can learn more.

Fees: The system charges 2.9% plus $0.30 per domestic transactions. However, if the payment issues outside the US, you’ll be charged 3.9% cross-border processing fee plus $0.30 authorization fee. For getting more information on the fees, we recommend you to visit the web-site. is one of the most trusted payment systems. It provides payment solutions for mobile and online payments. The company is owned by CyberSource, which is owned by Visa. offers a bunch options, like 24/7 fraud support, recruiting billing, fraud detection, information management and so on.

The system accepts transactions from merchants located in the US, Canada, the UK, Europe and Australia in multiple currencies.

Fees: You will be charged $35 as a monthly gateway payment plus $0.30 per transaction.


WePay is a payment processing solution for handling money transactions. Payments through WePay typically take 1–2 business days to complete. It depends on the method of payment and other factors. Each transaction goes through WePay is reviewed for a protection from any malicious activity.

Currently, WePay supports US-based users on all platform partner sites and Canadian users on a certain number of platforms. But you should better check directly with your platform partner site to confirm that Canadian users are supported.

WePay offers extensive documentation and supports for its APIs. Sample code is available in PHP, Ruby on Rails and Python. One more advantage is that WePay published portions of its code samples on its website for a review so that you can easily decide how good the system is for you.

Fees: WePay charges 2.9% plus $0.30 per transaction with credit cards and 1% plus $0.30 per transaction with bank transfer.

As you can see, there is no a single payment solution that will fit everyone. You have to think about the type of your app, business peculiarities, your country and the amount of money you are going to process. Check several variants before making a final decision. And don’t hesitate to contact us here at Brocoders in case you have any questions!

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