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:
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
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 Journey||Execution Responsibility|
|Section||Sub-Section||Description||Developer||Apto Developer Tools|
|Mobile SDK||PCI SDK||API||Mobile App|
|Welcome screen||The potential cardholder views the product marketing and the call to action initiates the onboarding flow||✔||-||-||-||-|
|Authentication||The cardholder must verify their mobile phone and their email and submit their date of birth||-||✔||-||-||✔|
|Personally identifiable information ("PII")||The cardholder must agree to the legal disclosures and submit their legal name, address, and tax ID||-||✔||-||-|
|KYC verification||Apto uses the PII to verify the cardholder's identity||-||✔||-||-|
|Application passcode / biometrics|
|Create passcode||The cardholder can create a passcode to unlock the application||-||✔||-||-||✔|
|Forgot passcode||The cardholder can reset their passcode||-||✔||-||-|
|Change passcode||The cardholder can change their passcode||-||✔||-||-|
|Enable Biometrics||The cardholder can enable biometrics to unlock the application||-||✔||-||-|
|Disable Biometrics||The cardholder can disable biometrics||-||✔||-||-|
|View card details||The cardholder can view their card number, expiration date, and security code||-||-||✔||-||✔|
|Activate physical card||The cardholder can activate their physical card||-||✔||-||-||✔|
|Set PIN||The cardholder can create their PIN||-||✔||-||-|
|Change PIN||The cardholder can change their PIN||-||✔||-||-|
|Deactivate card||The cardholder can freeze their card||-||✔||-||-|
|Reactivate card||The cardholder can unfreeze their card||-||✔||-||-|
|Report card lost or stolen||The cardholder can report their card is lost or stolen and he/she can request a new card||-||✔||-||-|
|Transaction history||The cardholder can view their full transaction history||-||✔||-||✔||✔|
|Transaction details||The cardholder can view details of any transaction||-||✔||-||✔|
|Monthly statement list||The cardholder can view their historical monthly statements||-||✔||-||-||✔|
|Monthly statement||The cardholder can view their historical monthly statement||-||✔||-||✔|
|Monthly activity by merchant type||The cardholder can view their activity by merchant type||-||✔||-||✔||✔|
|FAQ||The cardholder can view the FAQs||✔||-||-||-||✔|
|The cardholder can email support||✔||-||-||-|
|Phone||The cardholder can call a toll-free line for automated support||✔||✔||-||-|
|Chatbot||The cardholder can interact with the chatbot||-||✔||-||-||✔|
|View card program agreements||The cardholder can view the Cardholder Agreement and E-Sign Agreement||✔||✔||-||-||✔|