Apto SDKs

Mobile SDKs#

Apto offers SDKs which implement the Mobile API so you don’t need to deal with network requests. Convenient classes are exposed in these mobile SDKs and are available for iOS and Android.

For more information about the Mobile SDKs see:

UI SDKs (White-label flows)#

For speed-to-market, we also offer a compiled version of the SDKs. This enables you to:

  • Take this white label mobile SDK and drop it into your existing application
  • Distribute the SDK as a standalone mobile application.

The Android and iOS UI SDK implement a standard cardholder experience, but can be configured to match your branding look and feel.

To initialize and operate the white label flows, simply pass your Mobile API key into the UI SDK. Two lines of code can present all the functionality your users will need.

For more information about the UI SDKs see:


The Apto PCI SDK enables you to present PCI data to your users in your mobile app or website, even if your platform is not PCI certified.

The PCI SDK is a small package for iOS, Android, and Web. It contains a single UI component which securely obtains the card’s PCI protected data and displays it on the screen within any application UI.

The PCI SDK executes two main functions:

  • Securely obtains the PCI card data from Apto’s servers.
  • Displays the PCI-protected card information to the cardholder.

The PCI SDK uses a secure user token, which can be obtained only by the card’s owner. This ensures the PCI protected data is only delivered to the final user.

For more information about the PCI SDK, see PCI SDKs

Building a cardholder app#

In the table below, we outline how to use our developer tools to quickly build your applications. We list the various use cases typically needed in an application, and identify whether you should use our SDK or our API.

Cardholder UX JourneyExecution Responsibility
SectionSub-SectionDescriptionDeveloperApto Developer Tools
Mobile SDKPCI SDKAPIMobile App
Welcome screen
Welcome screenThe potential cardholder views the product marketing and the call to action initiates the onboarding flowβœ”----
Cardholder onboarding
AuthenticationThe cardholder must verify their mobile phone and their email and submit their date of birth-βœ”--βœ”
Personally identifiable information ("PII")The cardholder must agree to the legal disclosures and submit their legal name, address, and tax ID-βœ”--
KYC verificationApto uses the PII to verify the cardholder's identity-βœ”--
Application passcode / biometrics
Create passcodeThe cardholder can create a passcode to unlock the application-βœ”--βœ”
Forgot passcodeThe cardholder can reset their passcode-βœ”--
Change passcodeThe cardholder can change their passcode-βœ”--
Enable BiometricsThe cardholder can enable biometrics to unlock the application-βœ”--
Disable BiometricsThe cardholder can disable biometrics-βœ”--
Card details
View card detailsThe cardholder can view their card number, expiration date, and security code--βœ”-βœ”
Card management
Activate physical cardThe cardholder can activate their physical card-βœ”--βœ”
Set PINThe cardholder can create their PIN-βœ”--
Change PINThe cardholder can change their PIN-βœ”--
Deactivate cardThe cardholder can freeze their card-βœ”--
Reactivate cardThe cardholder can unfreeze their card-βœ”--
Report card lost or stolenThe cardholder can report their card is lost or stolen and he/she can request a new card-βœ”--
Transaction historyThe cardholder can view their full transaction history-βœ”-βœ”βœ”
Transaction detailsThe cardholder can view details of any transaction-βœ”-βœ”
Monthly statements
Monthly statement listThe cardholder can view their historical monthly statements-βœ”--βœ”
Monthly statementThe cardholder can view their historical monthly statement-βœ”-βœ”
Spending charts
Monthly activity by merchant typeThe cardholder can view their activity by merchant type-βœ”-βœ”βœ”
Cardholder support
FAQThe cardholder can view the FAQsβœ”---βœ”
EmailThe cardholder can email supportβœ”---
PhoneThe cardholder can call a toll-free line for automated supportβœ”βœ”--
ChatbotThe cardholder can interact with the chatbot-βœ”--βœ”
Program disclosures
View card program agreementsThe cardholder can view the Cardholder Agreement and E-Sign Agreementβœ”βœ”--βœ”
View privacy policyThe cardholder can view the Privacy Policyβœ”βœ”--