I'm starting to study a project that mainly will allows users to make payments from their iPhones or Androids. Since I don't have e-commerce experience and also I have never owned a smartphone, I ask you to give me some orientation on what is important when heading this kind of project.What is making me doubtIs it possible to do this without Apple or Google refusing my app or charging my transactions with amounts similar to 30%?Is google checkout an alternative to paypal or am I getting this wrong?For debit card payment, what are the most common payment services in the US nowadays?How high is the technical complexity of that application? Is it very different to do it for iPhone and do it for Android?What I already know:The payments have nothing to do with the application itself; this is not an in-app scenario. We would like to go live with Android and iOS, but it would be acceptable to start with only one of them.No credit card information will be stored by the application; a payment gateway like PayPal should by in charge of the actual money movement.Why am I asking this?Someone is asking me to develop an iOS or Android application for allowing his cutomers to add money into their customer cards.Details of the application requeriment:This service would be available only in the US.The application will cost a fix amount to download. It is initially required for iOS or Android but off course, bb's and why not wp7 could need to be supported soon.Searching Stack Overflow and then the web I came to the feeling of Apple and Google being restrictive to this kind of applications, I also would like to know if it is true.ExampleI've found Starbucks' mobile app to be a very good example of what I need as the link says: To reload the card, customers can link it to a debit, credit card or PayPal accountI wonder if doing that is possible for any application or if there is a commercial agreement between Starbucks and Apple behind.
Android or iPhone application collecting payments
android;iphone