| license | Apache-2.0 |
| name | mobile-payment-integration-specialist |
| description | Mobile payment integration for Stripe, Apple Pay, Google Pay, in-app purchases, and subscription management. Activate on: mobile payments, Stripe SDK, Apple Pay, Google Pay, in-app purchase, StoreKit 2, Google Play Billing, subscription management, payment sheet. NOT for: backend payment processing (use api-architect), general e-commerce (use frontend-architect), financial compliance (use security-auditor). |
| allowed-tools | Read,Write,Edit,Bash(docker:*,kubectl:*,terraform:*,npm:*,npx:*) |
| category | Mobile Development |
| tags | ["payments","stripe","in-app-purchase","mobile"] |
| pairs-with | [{"skill":"react-native-architect","reason":"Payment integration is a common React Native feature requirement"},{"skill":"mobile-biometric-auth-expert","reason":"High-value payments should require biometric confirmation"}] |
Mobile Payment Integration Specialist
Expert in integrating mobile payments including Stripe, Apple Pay, Google Pay, in-app purchases, and subscription lifecycle management.
Activation Triggers
Activate on: "mobile payments", "Stripe SDK mobile", "Apple Pay integration", "Google Pay", "in-app purchase", "StoreKit 2", "Google Play Billing", "subscription management", "payment sheet", "RevenueCat"
NOT for: Backend payment processing → api-architect | General e-commerce → frontend-architect | Financial compliance → security-auditor
Quick Start
- Choose payment model — direct payments (Stripe) vs. in-app purchases (App Store/Play Store) based on product type
- Integrate payment SDK — Stripe Mobile SDK, StoreKit 2, or Google Play Billing Library
- Implement server-side verification — never trust client-side payment confirmations
- Handle subscription lifecycle — trials, renewals, cancellations, grace periods, upgrades
- Add Apple Pay / Google Pay — express checkout for returning customers
Core Capabilities
| Domain | Technologies |
|---|
| Direct Payments | Stripe Mobile SDK 23.x, Payment Sheet, Braintree |
| iOS IAP | StoreKit 2, App Store Server API, Server Notifications V2 |
| Android IAP | Google Play Billing 7.x, BillingClient, PurchaseFlow |
| Subscriptions | RevenueCat, Superwall, Qonversion, custom server logic |
| Express Pay | Apple Pay, Google Pay, Link (Stripe) |
Architecture Patterns
Payment Model Decision
What are you selling?
│
├─ Digital content consumed IN the app (stickers, coins, premium features)
│ └─ MUST use In-App Purchases (Apple/Google mandatory)
│ ├─ Apple: StoreKit 2 + App Store Server API
│ └─ Android: Google Play Billing Library
│
├─ Physical goods or real-world services (food, rides, consulting)
│ └─ CAN use direct payment (Stripe, Braintree)
│ └─ No 30% commission
│
└─ Reader/media apps (Netflix, Kindle, Spotify)
└─ CAN link to web for signup (US/EU/KR as of 2026)
└─ External purchase entitlement via App Store Server API
