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P2P payment system

When creating a custom P2P payment app, you have many options regarding functionality and capabilities. It’s up to you. However, there are some must-have features that users expect by default when downloading a payment app. Therefore, when making a list of features for your future product, first of all, include the following there.

Digital wallet. A digital wallet is the main feature of any payment application. With the help of a wallet, a user stores his electronic currency and makes payments. Usually, digital wallets are integrated with payment card tokenization services from VISA and Mastercard and with external systems/services, so they can have wide functionality. Creating a digital wallet is a separate issue that should be given special attention before starting your app development.

Send and request money. The user should be able not only to send the desired amount of money but also to request money from another user.

Send bills/invoices. For the convenience of a user, your app should have a function for generating a transaction invoice/bill that can be received by both a sender and a recipient.

Currency conversion. Automatic currency conversion is a great feature that makes P2P payment apps so popular, so you shouldn’t give it up. By implementing this function, you will allow your users to make cross-border transactions, pay for services and goods using your application while traveling, and not think about converting. The best way to implement this feature is to synchronize your payment app with the exchange rate with the bank at the time of the transaction.

Unique one-time passwords or IDs. Security is crucial for payment apps. To avoid unwanted or accidental transactions, frauds, a user must confirm the unique ID and OTP (one-time-password). If you want to provide an even higher level of security, you can configure the need to enter an OTP every time a user logs in.

Transfer to a bank account. Users may need to transfer money not only from card to card but also from card to bank account. Give them that opportunity.

History of previous transactions. The transaction history will enable your users to keep track of their spending and money transfers. Try to keep the information as long as possible. Also, the function of generating statements, downloading, and printing transaction history will be a great solution.

Push notifications. Push notifications will be useful for both you and your users. You will be able to send notifications with new offers, promotions, or updates. And users will be able to quickly see messages if a card has been credited, for example. However, keep in mind that push notifications can be useful as well as annoying, so let users choose which notifications they want to receive on their phones.

Additional features can include:

Chatbot. A chatbot in your P2P payment app can improve user experience. While interacting with the app, a user may have questions or problems. A chatbot will help to quickly resolve issues that may arise when transferring funds, incorrect debits from the wallet, and so on.

Fingerprint security lock. To minimize the risks associated with the security of your application, you can configure the fingerprint security lock. This way, only the owner of the account can access it.

Cryptocurrency payments. The value of cryptocurrencies is growing every day. According to Reportlinker, the cryptocurrency market is predicted to grow with a CAGR of 56.4% from 2019 to 2025. Many companies allow paying for their products and services using cryptocurrency. If you want to create a modern app that provides additional opportunities for users, think about the feature of making payments in cryptocurrency.

Regulatory compliance is as important an issue as security. Your payment app must comply with payment standards. Experts say there is a lack of regulation of the FinTech industry, but different regions already have documents that need to be taken into account

Kĩ năng: Android, Mobile App Development, PHP, iPhone, MySQL

Về khách hàng:
( 0 nhận xét ) Germany

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47 freelancer chào giá trung bình$6322 cho công việc này

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infowider11

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bdsiddhi

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AwaisChaudhry

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