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Engineering·April 10, 2026·5 min read

Native payments: Stripe, Razorpay, and Play Billing

Why we wire payments through native SDKs instead of mobile web checkout — and what that means for conversion.

AT
Apirex Team
Building Apirex · apirex.in
Native payments: Stripe, Razorpay, and Play Billing

Web checkout on mobile leaks money. The form is fiddly, the keyboard fights the page, autofill misbehaves, and 3DS pop-ups break flow. Native payment sheets fix all of it.

Stripe#

Stripe's Android SDK ships PaymentSheet — a fully native bottom sheet with Google Pay, saved cards, and 3DS handled by Stripe's own webview when needed. Conversion lifts noticeably versus mobile web checkout.

Razorpay#

For India-first apps, Razorpay's native Android SDK supports UPI, cards, netbanking, and EMI without leaving the app. Apirex detects Razorpay in your web codebase and wires the same key/secret into the native SDK automatically.

Paddle and others#

Paddle's checkout overlay is web-only today, so we use a polished Custom Tab fallback with a deep link return. Less ideal than a native sheet but better than a raw WebView checkout.

Play Billing#

If you're selling digital goods that fall under Google's policy, Apirex wires Play Billing v6 instead — required if you don't want to be removed from the Play Store.

What we don't do#

We never ship card-collection forms inside the app. PCI surface stays at the payment provider. The app just hands off and listens for the result.