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Mobile Payment Gateway

All ProductsAcquiring

Mobile Payment
Gateway

A mobile-first payment gateway supporting in-app SDK, USSD, mobile web, and QR code payment channels. Built for APAC markets where mobile is the primary payment interface — with offline capability, biometric authentication, and NFC HCE support for feature phones and smartphones alike.

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Architecture Overview

Mobile Payment Gateway Architecture

Click to expand. The diagram shows mobile payment channels — in-app, USSD, mobile web, and QR — connecting through the gateway to tokenisation, fraud, and scheme routing.

Mobile Payment GatewayIn-app, USSD & mobile web payment acceptanceMobile PayConfirm$42.50Input ChannelsIn-App SDKiOS & AndroidUSSD *123#Feature phonesMobile WebBrowser payQR ScanCamera scanBackend ServicesTokenisationEMV token vaultFraud EngineML risk scoringScheme RoutingVisa / MC / UPSettlementT+0 / T+1iOS & AndroidUSSD / STKNFC HCEBiometric AuthOffline ModePCI-DSS v4< 1.5sAuth time99.99%Uptime SLA256-bitAES encryptionReal-timeFraud scoring
Expand diagram

Platform Capabilities

What the Platform Delivers

In-app payment SDK (iOS and Android)
USSD and SIM Toolkit (STK) payment flows
Mobile web payment page
QR code payment acceptance
NFC HCE for contactless mobile payments
Biometric authentication integration
Offline transaction support
Tokenisation and secure credential storage
Fraud detection and device fingerprinting
Scheme routing and acquirer connectivity
Real-time transaction notifications
Merchant SDK and API documentation

Key Features

Built for APAC Requirements

USSD & Feature Phone Support

Reach customers without smartphones via USSD menus and SIM Toolkit — critical for financial inclusion in emerging APAC markets where feature phones remain prevalent.

Biometric Authentication

Leverage device biometrics — fingerprint and face recognition — for payment authorisation, reducing friction while maintaining strong customer authentication.

Offline Capability

Process transactions in low-connectivity environments with secure offline authorisation, syncing to the gateway when connectivity is restored.

NFC HCE Payments

Enable tap-to-pay from Android devices without a physical card — using Host Card Emulation (HCE) with EMV tokenisation for secure contactless mobile payments.

Typical Use Cases

Who Uses This Platform

  • Banks and fintechs building mobile payment apps for APAC consumers
  • Telcos deploying mobile money and USSD payment services
  • Merchants integrating in-app payment acceptance
  • Microfinance institutions serving rural and unbanked populations
  • Ride-hailing and delivery platforms requiring in-app payment

Get Started

Ready to Implement?

Proximo's specialists will scope the implementation, manage the vendor relationship, and deliver a production-ready system — configured for your APAC market.

Discuss Mobile Gateway