In the digital world, online businesses need a payments platform that is not only secure and reliable but also flexible enough to easily overcome the challenges of e-commerce.

Flitt offers just such an international platform to businesses registered in Georgia, Uzbekistan, Moldova, and Armenia. With many years of experience operating in the international market and advanced technological capabilities, it provides services and features designed to help businesses grow.

What Are the Advantages for Businesses That Flitt’s Payments Platform is International?

The fact that Flitt’s online payments platform is international is a particularly important benefit for businesses that want to expand beyond borders and enter new, strategic markets.

With one platform integration, businesses can accept and manage payments from anywhere in the world, without the need to integrate multiple systems for each market. This makes it easier to enter new, strategic markets and operate successfully. Flitt’s advanced functionalities allow them to become competitive in both local and international markets.

Flitt’s Functionalities, Which Were Previously Difficult to Access in the Region:

• Flexible

 All payment methods in one integration

• Simple

Easy-to-integrate API and ready-made SDKs

• SAFE

 PCI DSS Level 1 standard security

• Stable

Stable system with a high conversion rate

• Experienced

Seven years of experience in the international market
Flitt is trusted by leading local and international online businesses in the region: Glovo, Bolt, Wolt, Veli, Silknet, SuperApp, Letz…

Easily integrate the international online payment platform Flitt, increase the number of targeted customers and revenue.

For more details, contact Flitt.

Apple Pay and in-app purchases

The good news: now with Flitt you can integrate Apple Pay into your mobile application natively, without any redirects.

Businesses using Apple Pay with Flitt may see these benefits:

• Faster transactions: On average transactions are processed in less than 2 seconds.
• No 3D-Secure authentication: only Face ID and Touch ID authentication will not distract payer from the checkout process.
• Better conversion: more than 97% of approved transactions.
• Low fees: no additional fees on wallet transactions.
• Better fraud defence: Apple Pay’s advanced security features protect businesses from potential financial losses. The chargeback rate for Apple Pay is significantly lower due to such technologies as card tokenization, a dedicated chip known as the Secure Element and Apple Pay’s algorithms to detect potential fraud and prevent unauthorized transactions.
• Subscriptions and recurring payments: after initial payment is done by the client, you can further charge regular payments without client presence.

Before we start talking about Apple Pay integration, let’s pay attention to one Apple restriction:

So, to start the integration without redirect and webview (native ApplePay button), you’ll have to go through these steps:

1. Create Apple Pay developer account
2. Register Apple Merchant ID
3. Create new Apple pay certificates
4. Setup Xcode
5. Create payment token on the backend
6. Create a payment button in the mobile application
7. Process result from Flitt
8. Initiate recurring payment if needed

Create Apple Pay developer account

So, let’s start with the Apple Pay developer account. If you don’t have it, you will need to enrol ($99/yr) here. It will be required for development and application approval.

Register Apple Merchant ID

The next step is to register an Apple Merchant ID. Follow the instructions to register merchant ID at the Apple Developer site. For step-by-step instructions, you can also refer to the Flit documentation.

As a result, you will obtain an Apple Merchant ID like this: merchant.flitt.com.{{your_app_bundle_id}}.

Create new Apple Pay certificates

For further Apple Pay payment processing, Flit will need additional certificates to decrypt payloads and communicate with Apple API.

Create new Apple Pay certificates ****and send them to Flitt support.

There should be

• either four DER files merchant_id.cer, merchant_id.key, apple_pay.cer, apple_pay.key
• either two PEM files merchant_id.pem and apple_pay.pem
• either two P12 merchant_id.p12 and apple_pay.p12

File names can slightly differ, but extensions must be strictly the same as specified.

Setup Xcode

Go to XCode -> Target -> Capabilities -> ApplePay -> Merchant IDS and setup your registered Apple Merchant ID merchant.flitt.com.{{your_app_bundle_id}}.

Create payment token on the backend

The best practice for mobile application architecture is to create a payment on your backend and further manage its statuses only on backend. This logic is secure and will mitigate the risks when some payment data can be substituted by unauthorized client actions on frontend .

To initiate payment on the backend and obtain a payment token, follow Flitt documentation page.

Create payment at your server:

curl -i -X POST \\
 -H "Content-Type:application/json" \\
 -d \\
'{
  "request": {
    "server_callback_url": "<http://myshop/callback/>",
    "order_id": "TestOrder_JSSDK_v2",
    "currency": "GEL",
    "merchant_id": 1549901,
    "order_desc": "Test payment",
    "lifetime" : 999999,
    "amount": 1000,
    "signature": "91ea7da493a8367410fe3d7f877fb5e0ed666490"
  }
}' \\
 '<https://pay.flitt.com/api/checkout/token>'

Receive payment token:

{
  "response":{
    "response_status":"success",
    "token":"b3c178ad84446ef36eaab365b1e12e6987e9b3d9"
  }
}

Store payment token in your database or in other storage along with other payment data and payment unique ID order_id. Pay attention that to get a new payment token you will need to generate a unique order_id each time. But you also can reuse existing payment token if the payment amount has not changed.

Create a payment button in the mobile application

Apple Pay comes with specific guidelines for the theme of the distinct Buy button: which should be dark or light according to the background colour around it as an element, as well as for the button size, and the position of the button in the context of the environment it is being included.

Apple Pay in mobile application can be integrated with Flitt SDK depending on the programming language or framework:

• Objective-C
• Swift
• React Native
• Flutter

Before displaying the Apple Pay button in your mobile application, check if the user’s device supports Apple Pay and that they have a card added to their wallet with the method:

- (IBAction)applePayClicked:(id)sender {
    if ([PSCloudipspApi supportsApplePay]) {

If ApplePay is supported, process payment with the token:

- (void)applePayWithToken:(NSString *)token
              andDelegate:(id<PSApplePayCallbackDelegate>)delegate {

Process result from Flitt

Process the result of Apple Pay payment with:

• callback on frontend:

@protocol PSPayCallbackDelegate <NSObject>

- (void)onPaidProcess:(PSReceipt *)receipt;
- (void)onPaidFailure:(NSError *)error;
- (void)onWaitConfirm;

• server-to-server callback on the backend: see Receiving Callbacks

Your application should trust only the callback which is signed with a signature. Signature successful validation is crucial before approval of the order in your application business logic.

Testing

You can use Apple Pay sandbox and Flitt test cards to check if you implemented it correctly.

Pay attention that while your application is not in production mode, Flitt merchant settings must be also in test mode. Please contact our support team to align these settings.

Subscriptions and recurring payments

Now let’s speak on how to organize regular payments without customer interaction.

There are two main types of such payments:

• subscription – when a payment calendar is stored and managed on Flitt side
• recurring – when a payment calendar is stored on your application side

The difference is obvious: subscription is easier to implement, but recurring is a more flexible and advanced solution.

For subscriptions, you don’t need to do much more than to pass several parameters describing periodicity to Flitt SDK:

    recurring_data: {
      every: 1,
      amount: 1000,
      period: "month",
      end_time: "2026-11-14",
      start_time: "2019-11-11"
    }

For recurring payments, you need previously to obtain a recurring token rectoken for each client.

Please refer to the article Saving cards in our documentation on how to get rectoken.

rectoken is the link to the client’s Apple Pay payment data which Flitt securely stores encrypted. So you don’t need to deal with the security mechanics for this process, just save rectoken in your client’s payment calendar. When it is time to charge the client with the next payment, call method Create recurring order with saved card to initiate Apple Pay payment without client interaction.

Summary

Connecting Apple Pay in the application can be a pain point for developers. While Apple Pay documentation is clear and full enough, the integration process is complicated and has many requirements and use cases.

That’s why Flitt’s team is happy to share with you our expertise in implementing Apple Pay.

Flitt Apple Pay mobile SDK saves you a huge amount of resources and boosts up your business revenue growth.

Feel free to ask questions, comment, and share. We would be happy to help you with the development of your application!

The Importance of E-Commerce Development for Businesses

In today’s digital landscape, it’s nearly impossible for businesses—whether startups or large enterprises—to operate efficiently and remain competitive without embracing e-commerce. Online sales offer significant benefits and opportunities that many businesses may not fully realize.

Beyond providing convenience to consumers, online sales enable businesses to tap easily into strategic markets, reduce operating costs, and foster customer loyalty, ultimately driving faster growth. However, despite the industry’s vast potential, many businesses face challenges that hinder their success. These include difficulties in accepting and managing online payments, maintaining security against cyber threats, and a lack of technologically advanced payment platforms.

How Flitt Will Help E-Commerce

E-commerce in Georgia was introduced in 2009, but its growth has lagged compared to other countries. A primary reason for this slow development has been the absence of flexible, multifunctional, and technologically sophisticated online payment platforms. To address this gap, the international online payments platform Flitt was created, providing businesses with the tools they need to thrive in a competitive e-commerce environment.

What Flitt Offers

Flexible Payment Methods: Flitt allows your business’s customers to pay using the most convenient payment methods for them—Apple Pay, Google Pay, card payments, and more—improving the payment experience and increasing sales. Additionally, businesses no longer need to integrate payment methods separately. With a single, simplified integration, they automatically gain access to all the payment methods available on the platform.

Custom Payment Pages: Merchants can embed the payment page on their own website with a custom design or use Flitt’s payment page via redirection. Additionally, they can accept payments via a link, eliminating the need for a website. This option is especially convenient for small online stores without a website.

Easy Integration: Flitt’s user-friendly API and software development kit (SDK), combined with 24/7 online technical support, streamline the integration process for developers, saving time and resources.

Payment Management: Flitt provides merchants with a personal space to manage payments effectively. This space allows them to oversee the payment and settlement process, access detailed reports, and analyze customer behavior.

Security Assurance: In an era of cyber threats, Flitt prioritizes security by adhering to PCI DSS standards. As a PCI DSS Level 1 compliant provider, Flitt ensures that sensitive information is stored securely and protected.

Access to Strategic Markets: With Flitt, businesses can accept and manage payments globally through a single integration, facilitating international growth.

Reliability: Flitt guarantees reliable performance without technical disruptions, ensuring continuous payment processing, increasing conversion rates, and minimizing operational errors.

Web Constructor: For companies lacking resources to build a website, Flitt offers a free web builder, enabling merchants to create a website in just five minutes with payment acceptance enabled by default.

What is Flitt?

Flitt a member of the TBC Group, is an international online payments platform that offers businesses a simplified experience for receiving and managing payments. Its multifunctional service enables rapid growth, expands your target customer base, and boosts revenue.

Flitt’s team, consisting of professionals with extensive local and international experience, upholds shared values and goals. As leaders in the industry, they have developed and implemented a diverse range of digital services beyond traditional online payments.

The Importance of Online Payments for Business

In today’s digital age, online payments are crucial for success. They offer more than just comfort, they open doors to global markets, improve conversion rates, streamline payment management, reduce operational costs, and help build a loyal customer base.

What offerings are available from Flitt?

A Variety of Payment Methods

Merchants can integrate a payment page directly into their website with their own design or use Flitt’s existing payment page via redirection. The payment page supports a range of methods, including Apple Pay, Google Pay, and card payments. All options are activated through a single, streamlined integration process.

Easy Integration and Payment Management

Flitt provides developers with an easy-to-integrate API, ready-to-use SDKs, and access to a comprehensive integration tutorial portal. Additionally, 24/7 online technical support is available. Merchants benefit from a personalized dashboard that simplifies payment and settlement management, offers detailed reports, and provides insights into customer behavior.

Security

In an era of digital threats, Flitt prioritizes security with PCI DSS Level 1 standards, ensuring secure data storage and protection of sensitive customer information. Flitt undergoes an annual independent QSA to maintain its certification. Additionally, Flitt’s advanced internal Anti-Fraud system helps reduce the risk of fraudulent transactions.

Stability

Flitt guarantees reliable performance without technical disruptions, ensuring continuous payment processing, increasing the conversion rate, and minimizing operational errors.

Test Environment

Before launching payments, businesses can test the system’s functionality using a test environment and cards.

Integration with Leading E-Commerce Platforms

Flitt seamlessly integrates with popular and flexible online platforms such as Shopify, WIX, WooCommerce, CS-Cart, and more. Its ready-made integrations and plugins simplify the start and management of e-commerce.

Currently, companies in Georgia, Uzbekistan, Moldova, and Armenia can utilize Flitt’s services, with plans for expansion into additional markets in the future.

What is an online payment platform?

Simply put, an online payments platform is a technology-based service that helps businesses process digital payments securely and efficiently. It allows customers to pay using the most convenient methods for them, such as debit cards, digital wallets, bank transfers, and more, thereby improving the payment experience and increasing sales. These platforms are designed with the needs of businesses of all sizes in mind, from small startups to large enterprises, and are essential for modern e-commerce.

Importance of Choosing an Online Payments Platform for Business

In the dynamic world of e-commerce, businesses that accept or plan to accept online payments must choose a reliable and flexible international payment platform. A well-selected platform simplifies not only payment receipt but also payment management and the ability to expand into strategic markets. It reduces operational costs and facilitates faster transaction processing, ensuring a stable flow of working capital.

Challenges Related to Online Payments Platforms

• However, despite these benefits, businesses often face challenges when using online payment platforms. The most common among them include:
• The complex integration process leads to a loss of time and resources;
• Security-related issues- protecting customer data from fraud and other threats is crucial;
• Operational errors- technical problems can cause delays in sales;
• Lack of diverse payment methods, which may decrease user engagement;
• Customer support challenges, including delayed communication and response to customer needs.

How Flitt responds to these challenges and what are its advantages

Various Payment Methods

The platform offers flexible payment methods such as Apple Pay, Google Pay, and card payments, all integrated seamlessly through a single integration. Merchants can embed the payment page on their own websites, customizing the design, or use Flitt’s payment page via a redirect.

Easy Integration

To simplify the complex integration process, Flitt provides developers with an easy-to-integrate API and ready-to-use SDK, as well as an integration tutorial portal and 24/7 online technical support.

Simple Payment Management

Flitt provides merchants with a personal space for effective business decision-making. Through this interface, they can digitally manage the payment and settlement process, access detailed reporting, and analyze customer behavior.

Ability to Exploit Strategic Markets

Flitt enables businesses to accept and manage payments from anywhere in the world with a single integration and provider, thereby increasing customer numbers and revenue.

International Experience

With seven years of international experience in online payments, Flitt has developed many essential products and functionalities that were previously unavailable or difficult for businesses in Georgia to access.

Strong Security

Flitt provides guaranteed security in accordance with PCI DSS Level 1 standards, ensuring that sensitive customer information is protected to the highest degree. Merchant transactions are monitored by an internal Anti-Fraud system, significantly reducing the risks of fraud.

Stable System

Flitt’s system operates reliably at all times, ensuring continuity of payments, a high conversion rate, and minimized operational errors.

Test Environment

Before the actual launch of payments, Flitt offers businesses an optimal test environment to mitigate system errors as much as possible.

Integration with Popular Online Platforms

Flitt integrates seamlessly with popular e-commerce platforms such as Shopify, WIX, WooCommerce, CS-Cart, and more. Their ready-made templates simplify e-commerce development and operations.

Flitt is a fintech company and a member of the TBC Group, offering businesses an international online payments platform. With its advanced technology, Flitt provides a simple and secure end-to-end payment management service. It stands out by integrating various payment methods into one platform, eliminating the need for businesses to integrate their preferred payment methods separately—one seamless integration provides access to all payment options available on the platform.

Although TBC’s online payment service holds a significant market share, the rapid growth of e-commerce highlighted the need for independent development. Consequently, they acquired an international payment platform, adding global professionals to the local team.

With seven years of experience in the international market, Flitt offers many advanced products and features previously unavailable or difficult for businesses in Georgia to access. This positions Flitt as a potential leader in the region’s online payment industry.

Flitt’s Advantages

• Single integration: Merchants can manage online payments across different countries with a single integration, simplifying entry into new strategic markets. This integration also enables activating all available payment methods on the platform, including Apple Pay, Google Pay, and card payments.

• Merchants can either embed a payment page on their website with their design or use Flitt’s payment page via redirection.

• To facilitate the integration process for developers, Flitt offers an easy-to-integrate API and ready-made SDKs, as well as an online portal with integration instructions and 24/7 technical support.

• Merchants have access to a personal space where they can manage payments and settlement processes digitally. This space also allows them to view detailed reports and analyze customer behavior, which helps in making effective business decisions

• Flitt ensures the protection of customers’ sensitive information with PCI DSS Level 1 standards.

• Online payments are monitored by the internal anti-fraud system, which reduces the risks of fraudulent transactions for businesses.

• The smooth operation of the system ensures continuity of payments, increases the conversion rate, and minimizes operational errors.

• Flitt merchants can easily verify that the system works properly by using the test environment and cards before the actual launch of payments.

• Flitt integrates with popular and flexible online platforms such as Shopify, Wix, WooCommerce, CS-Cart, and more, with ready-made integrations and plugins that make it easy to start and manage e-commerce effectively.

Currently, businesses in Georgia, Uzbekistan, Moldova, and Armenia can use Flitt’s services to handle global payments, with plans for further expansion.