I need to make iphone application that use payment gateway (using visa … etc).
Is that doable ? Does Apple accept that kind of app? or should Apple apps use in-app-purchase criteria?
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That is perfectly acceptable to do.
There are several apps which do this. The first example that springs to mind is tickets for public transportation.
But you can’t use it to replace in-app purchases for products in your app, and you can’t use it to bypass the App Store structure to trick Apple out of their 30% for app sales. It has to be something which exists/has value outside the app.