How to properly implement mobile payments in your app and why you don’t do it from scratch

The host frames the question as a junior developer’s first assignment: accept credit card details in a mobile app. The developer has little knowledge of payment processors or security but wants to build the feature from scratch.

Kuba says developers could build payment processing themselves, but advises against it because the work is complicated. He points to rules, regulations, and security requirements that are difficult to understand and meet.

Asked for a concrete risk, Kuba says a faulty payment system could cause customers to lose money. He contrasts this with a minor interface bug and explains that the stakes make security especially important.

Kuba’s summary is not to build payment processing from scratch. He extends the advice to login systems, recommending that apps avoid handling users’ email and password data and rely on providers such as Google or other authentication services.