payment processing Archives

Tech Optimizer

July 22, 2026

Migrating mission-critical payments at Nubank to Amazon Aurora PostgreSQL

Nubank, a digital banking platform with approximately 135 million customers in Brazil, Mexico, and Colombia, faced challenges with its payment infrastructure due to inefficiencies in managing 7.5 TB of self-hosted PostgreSQL databases. Queries took over 13 minutes to execute, and replication lags exceeded four minutes during peak times. To address these issues, Nubank evaluated database solutions based on developer productivity, operational efficiency, performance reliability, and scalability. They selected Amazon Aurora PostgreSQL-Compatible Edition for its compatibility, performance improvements, and automated features. The migration to Aurora was facilitated by AWS Database Migration Service (AWS DMS), which minimized downtime and allowed for efficient transition. Post-migration, query performance improved significantly, with some queries executing up to 1,900 times faster, and overall end-to-end service latency decreased, enhancing customer experience. The migration resulted in a 25 percent cost reduction and ensured compliance with regulatory requirements.

AppWizard

July 15, 2026

Android’s biggest store-within-a-store shakeup starts next week

Epic Games and Google have decided to withdraw their proposed settlement regarding the Play Store, following a [openai_gpt model="gpt-4o-mini" prompt="Summarize the content and extract only the fact described in the text bellow. The summary shall NOT include a title, introduction and conclusion. Text: In a significant turn of events, Epic Games and Google have mutually decided to withdraw their previously proposed settlement, which had aimed to sidestep extensive alterations to the Play Store. This decision comes on the heels of an unexpected 0 million partnership between the two companies. As a result, Google is now obligated to incorporate rival app stores within the Play Store, following the original court injunction set for October 2024. According to a report from The Verge, Google is preparing to enable third-party app stores in the U.S. starting July 22, 2026. Dan Jackson, a spokesperson for Google, elaborated on the situation, stating: “We’ve agreed with Epic to withdraw our motion to modify the US Court’s injunction rather than prolonging this process which creates uncertainty for the ecosystem. This allows us to focus on executing our recently announced global business model evolution to deliver greater app store choice, lower prices, and more opportunities for developers and users. We remain committed to maintaining Android’s industry-leading security and fostering a competitive ecosystem where every app store and developer has the freedom to compete. In parallel, we continue to comply with the US Court’s injunction.” What does all of this mean? The initial settlement had permitted Google to avoid the integration of third-party app stores in the U.S., instead offering developers enhanced flexibility for app distribution and payment processing outside the Google Play Store. With the withdrawal of this settlement, Google must adhere to the original court ruling from October 2024, which mandates the inclusion of rival Android app stores within the Google Play Store for an extended period, alongside sharing its entire app catalog with these stores. Notably, this ruling is applicable solely within the U.S., allowing other global markets to remain unaffected. As highlighted in Google’s statement, the company is also advancing its Registered App Stores program for international markets as part of its agreement with Epic. In the U.S., Google is already notifying app developers that their app and game listings will be automatically accessible to third-party app stores starting July 22, unless they choose to opt out. Furthermore, Google has initiated an enrollment page for third-party app stores to access its Play Catalog, with an annual fee of ,000 for security and policy reviews, among other stipulations. As this situation unfolds, numerous questions remain unanswered, and clarity is anticipated as the process progresses. Epic and Google are scheduled to appear before the Court on Thursday, where further insights on this matter may be revealed." max_tokens="3500" temperature="0.3" top_p="1.0" best_of="1" presence_penalty="0.1" frequency_penalty="frequency_penalty"] million partnership. As a result, Google is required to include rival app stores in the Play Store due to a court injunction set for October 2024. Google plans to enable third-party app stores in the U.S. starting July 22, 2026. The withdrawal of the settlement means Google must comply with the original court ruling, which mandates the inclusion of rival Android app stores and sharing its app catalog with them. In the U.S., app developers will have their listings automatically accessible to third-party app stores unless they opt out. Google has also launched an enrollment page for third-party app stores to access its Play Catalog, with an annual fee of ,000 for security and policy reviews.

AppWizard

July 11, 2026

“Compliance-in-advance is never enough to appease a zealous censor”: Robert Yang on the current challenge of bringing experimental gay games to Steam

Radiator Forever, a collection of short and experimental gay games by developer Robert Yang, has launched on Steam alongside its presence on Itch.io. Yang discussed the challenges faced by adult game creators, particularly due to payment processor issues and online regulations in the UK, which affect the viability of such games on major platforms. Users must log in to view the collection on Steam, and UK users need a valid credit card for age verification. The Steam listing is difficult to find without a direct link and is subject to geoblocking in certain regions. Yang explained that the anti-sexuality censorship campaign led by Collective Shout and payment processors prompted Itch to obscure many NSFW games. He noted that Valve has classified Radiator Forever as containing "frequent nudity and sexual content," which limits its visibility on Steam. Despite efforts to comply with content guidelines, Yang faced challenges due to perceived biases against indie developers compared to major publishers. The re-remastered collection includes enhancements like a completion percentage tracker and a tagging system for new content.

AppWizard

June 23, 2026

Telegram’s ad business: How the messaging app makes money

Telegram has established an advertising model that focuses on monetizing public channels, selling ads based on channel topics rather than user identity. Revenue generated from ads is split evenly between Telegram and the channel owner, with no data-mining or behavioral targeting involved. The primary ad format is Sponsored Messages, which appear in public channels with at least 1,000 subscribers and consist of a text block and optional call-to-action button. Advertisers can purchase these ads through a self-serve portal without demographic targeting, ensuring no personal data is used for placements. Public channels are treated as independent units, with 50% of ad revenue going to channel owners, paid in Toncoin. Telegram's ad system has become more accessible by lowering minimum spend requirements. In addition to Sponsored Messages, Telegram is developing Mini Apps funded by its in-app currency, Stars. Regulatory scrutiny has increased, with various countries imposing bans or restrictions on Telegram for reasons related to content moderation and compliance, such as a temporary ban in India in June 2026 due to exam fraud investigations.

AppWizard

April 21, 2026

NGate Android malware uses HandyPay NFC app to steal card data

A new variant of the NGate malware targets Android users by disguising itself within a trojanized version of the HandyPay app, which is a legitimate mobile payment processing application. This malware, documented since mid-2024, siphons payment card information through the mobile device's near-field communication (NFC) chip and sends the stolen data directly to attackers, who create virtual cards for unauthorized purchases or cash withdrawals from NFC-enabled ATMs. The new variant has been injected with malicious code into the HandyPay app, which has been available on Google Play since 2021. The code includes emojis, indicating the possible use of a generative AI tool in its development. The shift from previous iterations, which used an open-source tool named NFCGate, to HandyPay is likely motivated by financial considerations and the need for evasion, as HandyPay is more affordable and requires fewer permissions. This NGate variant has been active since November 2025, primarily targeting Android devices in Brazil. It employs two main distribution methods: a counterfeit app named “Proteção Cartão” hosted on a fraudulent Google Play page and a fake lottery website that redirects users to WhatsApp to download the malicious APK. Upon installation, the app prompts users to set it as their default NFC payment application, requests their card PIN, and instructs them to tap their card on the phone for reading, transmitting all collected information to an attacker's email address. To protect against such threats, Android users are advised to avoid downloading APKs from outside Google Play, disable NFC when not in use, and use Play Protect to scan for threats.

AppWizard

April 15, 2026

Aptoide sues Google for Android app store monopoly

Aptoide, a Portuguese app store company, has filed an antitrust lawsuit against Google in a federal court in San Francisco, alleging that Google is monopolizing the distribution of Android applications and payment processing. Aptoide claims that Google's practices hinder its ability to compete, despite offering lower commissions and more affordable options. The lawsuit seeks court orders to stop these practices and demands triple damages. Aptoide previously won a legal case against Google in 2018 regarding the removal of its app without user consent and was involved in the European Commission's Android antitrust case that resulted in a €4.34 billion fine against Google. The lawsuit comes amid increased scrutiny of Google's business practices, including a December 2023 jury ruling that found Google maintained an illegal monopoly in Android app distribution and in-app billing. Following this ruling, a U.S. District Court ordered Google to implement reforms to enhance competition within the Android ecosystem. Additionally, a proposed settlement between Google and Epic Games aims to facilitate the installation of third-party app stores and allow alternative payment methods. In August 2024, a U.S. District Court identified Google as a monopolist in the general search market, citing exclusionary agreements that restrict competition. Aptoide's lawsuit reflects concerns among smaller competitors about Google's influence over Android app distribution despite ongoing legal challenges.

AppWizard

March 6, 2026

Google Proposes Android App Store Changes Following Epic Games Legal Dispute

Google has submitted proposed modifications to its Android app store operations to a federal court in San Francisco in response to Epic Games' antitrust lawsuit from August 2020. The proposed changes include a revised fee structure that lowers baseline commissions on subscriptions and e-commerce transactions, offers app developers an alternative payment processing option, and allows developers to use payment systems outside of Google's ecosystem. Consumers will be able to download applications from alternative app stores that meet a certification process. These changes require judicial approval and are part of a broader overhaul mandated by a federal judge in October 2024. Google has requested a hearing on April 9 to clarify questions regarding the proposed changes and plans for a global rollout, initially focusing on the United States, the United Kingdom, and the European Union, pending regulatory approvals.

BetaBeacon

March 5, 2026

Google lowering fees on Android app store following settlement with Epic Games

Google plans to lower fees on its Android app store, reducing commissions for subscriptions and e-commerce transactions to a range of 10% to 20% and introducing a new payment processing option that charges only 5%. Developers will have the choice to use payment processing systems other than Google's, and consumers will be able to access apps from alternative stores that have undergone a certification process.

BetaBeacon

March 4, 2026

Google settles with Epic Games with offer to lower its app store commissions

Google plans to reduce fees on its Android app store, allowing for alternative payment options and lowering baseline commissions to 10% to 20% for subscriptions and e-commerce transactions. Developers will have the choice to use alternative payment systems, and consumers will be able to download apps from certified alternative stores. The changes are pending approval from U.S. District Judge James Donato and are supported by Epic Games CEO Tim Sweeney.

AppWizard

March 4, 2026

Google Announces Registered App Stores For Android

Google is launching a Registered App Stores program for Android, allowing third-party app stores to officially register if they meet specific quality and safety criteria. This program aims to provide a better installation experience for users and will be rolled out in a major Android release later this year, initially targeting markets outside the US. Registration is optional, and stores can continue using the existing sideloading process. Alongside this, Google is unbundling its fee structure, reducing service fees for developers to between 15% and 20%, with an additional 5% fee for using Google Play billing in certain regions. The rollout of the new billing structure is expected by the end of June in the US, UK, and Europe, with global completion by September 30, 2027. The initiative is part of a broader settlement with Epic Games and reflects ongoing legal pressures for greater competition in app distribution.