Honestly, no idea. Laws vary so much by jurisdiction anyway.

Tbh I agree that there should be an in-person option always. If for no other reason then just to be able to pay in cash. Just make sure to let people know it’s not the most convenient option but it’s available.

I’m not entirely sure what the point of the app is though, compared to a website with payment options. Lots of people will say tracking, but you can get a lot of info through a browser too.