Payments (iOS)

Payments (iOS)

The Lucra iOS SDK supports secure, compliant user payments, including:

• Add Funds

• Withdraw Funds

• Apple Pay

• PayPal / Venmo (when enabled)

• Convert to Credit (see separate documentation)

Lucra manages all PCI-compliant payment screens within its UI flows. Your app never handles raw payment data.

---

💳 Where Payments Occur

Payments occur inside Lucra full‑screen flows, triggered by:

• LucraFlow.addFunds

• LucraFlow.withdrawFunds

• LucraFlow.profile

• Automatically when a user takes an action requiring funds (e.g., accepting a matchup)

You should not build custom funding UIs unless instructed by Lucra.

---

🍎 Apple Pay Support

If you want Apple Pay available inside Lucra flows:

1. Enable Apple Pay in your app

• Add Apple Pay capability in Xcode

• Create or assign a Merchant ID

2. Provide Lucra with:

• Merchant ID

• Team ID

• Apple Pay configuration metadata

Lucra uses this information to enable Apple Pay inside its funding screens.

3. No additional app-side work required

Users will see Apple Pay as an option automatically when eligible.

---

🟦 PayPal & Venmo Support

PayPal/Venmo integrations are coordinated by Lucra.

• Lucra’s UI will show PayPal/Venmo in Add Funds / Withdraw flows

• Your app may briefly open Safari or the relevant payment app

• Users return to your app via universal link callbacks

PayPal integration is automatically enabled for all users, however, Venmo has additional requirements:

• The Venmo App Must Be Installed

• A custom URL Type matching your App's bundle identifier ending in .venmo 'must be implemented (e.g. com.lucrasports.mobile-sample.venmo)

• Two custom query URL scheme (LSApplicationQueriesSchemes) must be registered in your App's Info.plist. • venmo • com.venmo.touch.v2

• The follow callback method must be implemented.

.onOpenURL { url in
    // Allow Lucra to handle return URLs from Venmo
    _ = lucraClient.handlePaypalVenmoCallback(url: url)
}

---

💰 Funding & Withdrawing via Lucra Flows

Trigger an add-funds flow:

currentLucraFlow = .addFunds

Trigger withdrawal:

currentLucraFlow = .withdrawFunds

Lucra handles:

• KYC (Know Your Customer)

• Banking provider flows

• Minimum/maximum constraints

• Error handling

• Success confirmation UI

NOTE

Please keep in mind that in order to withdrawal via Venmo and/or PayPal, the user must have made a deposit via Venmo/PayPal beforehand for the respective withdrawal type.

---

⚠️ Error Handling

Payment issues may include:

• Payment declined

• Insufficient balance

• Bank account disconnected

• Regulatory restrictions

• Verification required

See Headless Interactions for more details on Error Handling.

---

🧪 Testing Payments (Sandbox)

1. Request sandbox payment configuration from Lucra

2. Test flows:

   • Add Funds

   • Withdraw

   • Apple Pay (sandbox card)

   • PayPal/Venmo (sandbox credentials)

3. Validate:

   • Successful and failed transactions

   • Correct flow transitions

   • Proper return into the app for external payment flows

---

✔️ Integration Checklist

• Apple Pay capability enabled (if required)

• Merchant ID provided to Lucra

• .onOpenURL wired for external payment return

• Payment flows tested in sandbox

• Withdraw & funding flows accessible through Lucra UI

Your payment integration is now complete.