How to build a micropayment mobile app in 2023?


Victoria Belyaeva


As an online reader, you may be searching for information on how to use your mobile phone to pay goods off or remunerate agents and other third parties.

And indeed, payment mobile apps are a great favorite with clients for contactless payments or P2P transactions.

What about micropayment mobile apps? Even though small payments are rather popular these days, it could be pointless making low-value transactions due to the high service fees imposed.

In this article, we are going to describe the main steps in crafting a mobile app for small payments and get acquainted with the most favored low-value mobile payment applications.

How to build a micropayment mobile app in 2023?

Building a micro payment service mobile app, as well as any piece of programming, takes time, effort, and careful consideration.

As such applications deal with monetary transactions, you will need to make an effort with the prearrangements and define all the financial regulations and laws relevant to your scope of activity.

Well, how to create a payment processing mobile app?

There are a variety of options for how to craft a mobile micropayment app.

Before advancing to any technological solutions, your initial objective should be concentrated on:

  • the idea;
  • designs;
  • software implementation;
  • quality assurance testing;
  • post-launch period support.

The entire bunch of works could be carried out by:

  • freelancer geeks;
  • outstaffed specialists;
  • a dedicated team or company.

Hiring a dedicated development team means employing tech experts from a single source. Our article Pros and cons of dedicated teams for mobile app development will bring out more info in this regard.

Here is how each participant is steadily working towards your company’s goal.

A project manager is responsible for carrying out the entire project successfully and smoothly. The PM has to define requirements and objectives clearly, as well as evaluate the scope of tasks, the cost of the project, and its time limits.

A designer will deliver the look of the application. Whereas the software engineers will provide the code implementation. After the app has been coded, the QA will assure its seamless performance.

A closer look at all the development stages is provided in:
Building a pet care app with Flutter: TBR Group guide. For all those interested, this reference article will be fun to dip in and out of.

The specifics of the mobile app for small payments

Contactless payment is a safe and convenient way to process financial transactions. It implies a bunch of technological decisions, both hardware devices, and software solutions.

During contactless payment, the card details are not transmitted.
For each contactless operation, a one-time unique code is created, which is a token. The code does not reflect the account number, card number, PIN code, or any other sensitive information.

3-D Secure protocol is an additional layer of security for online credit and debit cards to ensure two-factor user authentication.

What are micropayments?

Micropayments are transactions focused around $1.00 in value. In a broader sense, they are basically small remittances that cover money transfers from $1 to $20 at a time.

Similar terms related in meaning to micropayments are:

  • small payments;
  • low-value payments;
  • micro transactions.

What are mobile payment applications?

In a nutshell, mobile payment applications — sometimes called digital wallet apps — are software programs allowing mobile payment processions.

By leveraging their comparative strengths, customers can benefit from

  • speedy payments;
  • simplicity in use;
  • reliability and safety.

How do micropayments work?

To start using one of the micropayment digital wallet apps, it is required to follow the steps listed below.

So, the customer needs to:

  • download and install a mobile app from an eligible source;
  • create either a personal or a business account;
  • indicate a phone number and email address;
  • connect the account to the source of funds — a debit card, a credit card, or a bank account. It will be necessary to set up micropayment methods available in the app;
  • make sure to enable multifactor user authentication and the SMS payment confirmation;

As soon as the application has been installed and adjusted, the user can run it.

What are micropayment methods and features?

Micro payment options allow

  • money transfers;
  • internet acquiring;
  • purchasing goods and services from retailers;
  • online shopping;
  • etc.

Micro payment methods ensure payment submission in a couple of ways.
It is possible to enable customers to opt for paying via

  • peer-to-peer transactions;
  • pools of funds;
  • a QR code;
  • links;
  • buttons on the website;
  • contactless payment in the physical store.

Nice-to-have features

  • branded credit cards and debit cards;
  • support for Bitcoin or other cryptocurrencies;
  • cash-back offers;
  • etc.

Network fees & transaction charges

For a mobile app user, a difficulty may emerge in processing micropayment transactions in the credit card world.

The issue may concern the transaction charges set by the banking system.

Many merchant processors can just as well charge network fees and imply transaction charges, making low-value payments non-profitable in a way.

Starting off with the release of your micro payment service app, as a product owner, you will need to consider applying any possible network fees or transaction percentage charges. Hence, the application can either include percentage fees or come with no extra fees added.

Home / foreign market segments coverage

Mobile apps for small payments can operate in the internal market area, or cover overseas monetary transfers.

Credit card data collection

The app can share personal data with 3-rd parties, or can skip such an option and keep the sensitive data just for internal purposes.

Examples of most used mobile payment apps

All of these software payment applications are striving to make monetary transactions easy, reliable, and safe.

To exemplify some of the most preferred, most used mobile payment apps, we will offer you a list below.

It includes, without limitation

These applications aim to follow security protocols and standards.

pingNpay — a micropayment mobile app built with Flutter

As a platform-independent mobile app, pingNpay is centred around processing micropayment transactions. The micropayments are usually those at a value of £10 each.

What is really nice about the pingNpay mobile app is the simplified way of processing low-value payments. And the overriding factor is that the small payments have been made profitable.

pingNpay mobile app: “Type”, “Date” and “Home/History” pages.

We have implemented Blockchain technology to make all the payment procession well-protected.

Representing a different approach in the payment procession sphere, Blockchain acts as a method to enforce security and simplify monetary deals of any scale.

pingNpay mobile app: “Pay”, “Receive” and “Create a Dynamic QR Code” pages.

The pingNpay mobile app enables

  • deep-linking;
  • branded QR codes;
  • a QR scanner;
  • P2P transactions;
  • encryption and decryption;
  • user authentication;
  • push notification;
  • Native Share for QR codes and links.

pingNpay mobile app: “Scan QR code” and “Show your QR code” pages.

A user can choose either a Static QR or Dynamic QR code to send and receive a microtransaction. It is also possible to send funds using a permanent link.

pingNpay mobile app: “Home” pages.

In the pingNpay app, we have integrated

To make more sense of the implemented functionality, challenges, and solutions, you are invited to our pingNpay case study page.

The onboarding pages make certain that a user gets all the directions on how to successfully start using the app.

pingNpay mobile app: onboarding pages “Buy”, “Pay”, and “Live” pages.

There is a home page and the pages designed for making monetary micropayments, QR code scanning, history transactions, settings, and contacts.

pingNpay mobile app: “Contacts” and “Send a payment request page” pages.

Being a cross-platform mobile application, pingNpay can just as well operate on web devices.

Our team — TBR Group — used Dart and Flutter to craft the pingNpay micropayment mobile app. pingNpay is fast, reliable, and exceedingly user-friendly.

Whether it is an interaction with the data level and drawing the UI, or carrying out heavy calculations — Flutter handles the entire scope of data processing.

Flutter makes the code

  • swift;
  • simple for testing;
  • reusable.

You are welcome to read our articles The fundamentals of Flutter & Dart, and Why choose Flutter for mobile app development in 2022? This way, you will find out a little more about the Flutter framework and the Dart programming language.


TBR Group is a Ukrainian software development company. We specialize in cross-platform app development with Flutter and Dart.

Having completed cross-platform projects with Flutter and Dart, we were able to build:

  • a stable MVP version of the product;
  • beautiful and powerful mobile apps.

Plus, opting for a dedicated team will give you heart and support in achieving your goals. Besides, an inclusive approach to the working process is our first priority.

We will be glad to receive your inquiry and contribute
to the realization of your goal.

Share your idea with us, and we’ll come up with the best development solution for your case.

Get in touch today