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Mobile Payments Changing the way we use apps

The evolution of mobile payments have certainly changed the way android app development is perceived. Integrating mobile payments wit android apps has redefined the way we use mobile app based solutions

Mobile Payments Changing the way we use apps

Monday November 26, 2018,

5 min Read

The long perceived dream of a cashless society doesn’t seem like a distant milestone to achieve in the 21st century. Advent of a plethora of mobile payment technologies is bringing us a step closer to establish a framework that eliminates all scenarios of cash based transactions.

Just imagine having a cashless environment that is completely based on the objective of having a convenient life because it’s always better to accomplish something with just a click. Saves you a lot of time and make your life easy and hassle-free!

Everybody has a smartphone with them today and majority of them are android based devices. The android platform accounts for more than 2/3rd of the global smartphone users. And with every other app on the google play store emerging with a cashless transaction features, it is becoming utmost necessary that cashless environment be made more widespread among general smartphone users.

There are a wide varieties of cashless android based mobile payment options that provides a unique cashless transaction experience. Each one of them makes life convenient and simple in their own way. Let’s have a look at each one of them.



This is one of the most widespread form of mobile payment that is so much convenient for almost everybody. POS mobile payment mode is used by almost anyone who owns a small shop to someone owning a large business such as retails stores and other businesses.

Some of the most common examples are Amazon Pay, Apple Pay, Google Pay, Samsung Pay, etc.

Categorized specifically as NFC payments or Near-Field Communication Payments. You can use your android smartphone for transaction through these modes by making sure first that you have a NFC based android smartphone.

Then all you have to do is bring your smartphone in close proximity to the NFC enabled machine and your smartphone will communicate with it via close proximity radio frequency waves.

Hence you can pay your money in a secure manner as NFC based transactions encrypt data and then make the necessary payments. These types of payments are more widespread in travel as well as the retail industry.



An android based mobile wallet is basically a digital wallet that helps you to make transactions via custom made android app.. The android app stores all the payment related information about the transactions you make to the vendor.

With mobile wallet all you have to do is connect your wallet to your bank account via the android app. You can then transfer money to your wallet and make payment through wallets wherever the option of wallet payment is available.

With wallet payment you can avail various discounts across different vendors. Surely a hassle free method of android app based mobile transaction.



QR code payment option is yet another convenient method to make cashless transactions. These type of payment options are also centred around user convenience that are encased in an android app.

With this mode of payment first you have to link your bank account with the android app. Then to whosoever you want to make a payment, you need to scan his QR code, enter the amount to be paid and proceed ahead.

The QR code is linked to the account of the vendor to whom you will be paying the money and when you implement the make payment functionality cashless transaction take place between you and the vendor.

A simple and convenient way to pay money.

INTERNET PAYMENTS (Through Debit Card/Credit Card/Net Banking)

These are the simplest methods of making a cashless transaction. Everyone gets a debit and credit card when they open their bank account.

Also they avail the net banking functionality through which they can simple login to their account online and use features in the android app of that particular bank to make payments through different payment gateways.

Same goes with credit and debit cards. All you have to do is enter your card number and pin number to make a transaction through an android app. The most basic yet widely used method of cashless transaction.



UPI payments is a fairly new concept of payment in India that the RBI implemented to ease the life of a smartphone user and increase the span and importance of cashless transactions.

UPI stands for Unified Payments Interface that allows a same smartphone to make inter-bank fund transfers through a mobile app. In India we have android apps that facilitate UPI transactions at the click of your fingertips. A more secure way to make instantaneous money transfers.

This is a real time money transfer mode via cashless transaction through certain important components like – Virtual payment address called as VPA, a mobile number, a bank account number having certain IFSC code and QR code. The user can use any of these parameter to make inter-bank cashless transactions.


These are just a few technologies that make the cashless transaction world much simpler and easier to comprehend. Blending smartphone with payments technology I something that is evolving and can be transformed to something much more valuable and extra-ordinary.
Mobile apps are everywhere. But smartphone apps that facilitate mobile payments are a definite boon to the smartphone community. Making payments was never easier before these apps and platforms came into existence. But now they are a reality. So let’s make the best use of them and create a cashless society where everyone prefers convenience.