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Google Pay

Google Pay

Intro

Google Pay™ is a digital wallet for online payments offered by Google.

It is a very versatile solution, as customers can add credit/debit cards to their wallet and use them for:

  • Android devices in-store and supported websites
  • Mobile apps
  • Google services

By combining the Google API with our CreatePayment API, the payment process is fast, easy and secure. Boost your conversion rate with these features:

  • Your customers simply tap on a device in stores or on a button in a mobile app.
  • Google Pay™ and we manage all sensitive customer data for you.
  • A safe encryption/decryption method elevates your customers' trust in the whole payment process and significantly reduces online fraud: neither are customer details sent during the payment process nor show Browsers/devices ever unmasked card numbers.

To make all this possible, Google Pay™ tokenises your customers' cards. Google Pay™ identifies two types of cards:

  • Non-network tokenised cards: standard physical credits card that require a 3-D Secure check for additional protection against fraud. This is only applicable for payments going through your own checkout page.
  • Network tokenised cards: virtual card with a device-specific account number (DPAN). These kind of cards are used in place of the underlying source card. As the digital signature of the mobile device used for the payment protects these cards from fradulent use, 3-D Secure is unnecessary. This is only applicable for customers using a mobile device.

Your customers can use cards from the following brands:

  • Google Pay - Visa
  • Google Pay - MasterCard
  • Google Pay - American Express

Overview

Payment group:
Payment product id:
320
Key benefits
  • No personal data shared
  • Low PCI requirements (no sensitive or personal data shared)
  • Allows any standard maintenance operation depending on your acquirer
  • Available through Full Service

Onboarding

Please make sure

Countries & currencies

Supported countries

Supported currencies

  • Albanian lek (ALL)
  • Algerian dinar (DZD)
  • Angolan kwanza (AOA)
  • Argentine peso (ARS)
  • Armenian dram (AMD)
  • Aruban florin (AWG)
  • Australian dollar (AUD)
  • Azerbaijani manat (AZN)
  • Bahamian dollar (BSD)
  • Bahraini dinar (BHD)
  • Bangladeshi taka (BDT)
  • Barbados dollar (BBD)
  • Belarusian ruble (BYN)
  • Belize dollar (BZD)
  • Bermudian dollar (BMD)
  • Bhutanese ngultrum (BTN)
  • Boliviano (BOB)
  • Bosnia and Herzegovina convertible mark (BAM)
  • Botswana pula (BWP)
  • Brazilian real (BRL)
  • Brunei dollar (BND)
  • Bulgarian lev (BGN)
  • Burundian franc (BIF)
  • Cambodian riel (KHR)
  • Canadian dollar (CAD)
  • Cape Verde escudo (CVE)
  • Cayman Islands dollar (KYD)
  • CFA franc BCEAO (XOF)
  • CFA franc BEAC (XAF)
  • CFP franc (franc Pacifique) (XPF)
  • Chilean peso (CLP)
  • Chinese yuan (CNY)
  • Colombian peso (COP)
  • Comoro franc (KMF)
  • Congolese franc (CDF)
  • Costa Rican colon (CRC)
  • Croatian kuna (HRK)
  • Cuban peso (CUP)
  • Czech koruna (CZK)
  • Danish krone (DKK)
  • Djiboutian franc (DJF)
  • Dominican peso (DOP)
  • East Caribbean dollar (XCD)
  • Egyptian pound (EGP)
  • Eritrean nakfa (ERN)
  • Ethiopian birr (ETB)
  • Euro (EUR)
  • Falkland Islands pound (FKP)
  • Fiji dollar (FJD)
  • Gambian dalasi (GMD)
  • Georgian lari (GEL)
  • Ghanaian cedi (GHS)
  • Gibraltar pound (GIP)
  • Guatemalan quetzal (GTQ)
  • Guinean franc (GNF)
  • Guyanese dollar (GYD)
  • Haitian gourde (HTG)
  • Honduran lempira (HNL)
  • Hong Kong dollar (HKD)
  • Hungarian forint (HUF)
  • Icelandic króna (ISK)
  • Indian rupee (INR)
  • Indonesian rupiah (IDR)
  • Iranian rial (IRR)
  • Iraqi dinar (IQD)
  • Israeli new shekel (ILS)
  • Jamaican dollar (JMD)
  • Japanese yen (JPY)
  • Jordanian dinar (JOD)
  • Kazakhstani tenge (KZT)
  • Kenyan shilling (KES)
  • Kuwaiti dinar (KWD)
  • Kyrgyzstani som (KGS)
  • Lao kip (LAK)
  • Lebanese pound (LBP)
  • Lesotho loti (LSL)
  • Liberian dollar (LRD)
  • Libyan dinar (LYD)
  • Lithuanian litas (LTL)
  • Macanese pataca (MOP)
  • Macedonian denar (MKD)
  • Malagasy ariary (MGA)
  • Malawian kwacha (MWK)
  • Malaysian ringgit (MYR)
  • Maldivian rufiyaa (MVR)
  • Mauritanian ouguiya (MRO)
  • Mauritian rupee (MUR)
  • Mexican peso (MXN)
  • Moldovan leu (MDL)
  • Mongolian tugrik (MNT)
  • Moroccan dirham (MAD)
  • Mozambican metical (MZN)
  • Myanmar kyat (MMK)
  • Namibian dollar (NAD)
  • Nepalese rupee (NPR)
  • Netherlands Antillean guilder (ANG)
  • New Taiwan dollar (TWD)
  • New Zealand dollar (NZD)
  • Nicaraguan córdoba (NIO)
  • Nigerian naira (NGN)
  • Norwegian krone (NOK)
  • Omani rial (OMR)
  • Pakistani rupee (PKR)
  • Panamanian balboa (PAB)
  • Papua New Guinean kina (PGK)
  • Paraguayan guaraní (PYG)
  • Peruvian nuevo sol (PEN)
  • Philippine peso (PHP)
  • Polish zloty (PLN)
  • Pound sterling (GBP)
  • Qatari riyal (QAR)
  • Romanian new leu (RON)
  • Russian ruble (RUB)
  • Rwandan franc (RWF)
  • Saint Helena pound (SHP)
  • Salvadoran Colon (SVC)
  • Samoan tala (WST)
  • São Tomé and Príncipe dobra (STD)
  • Saudi riyal (SAR)
  • Serbian dinar (RSD)
  • Seychelles rupee (SCR)
  • Sierra Leonean leone (SLL)
  • Singapore dollar (SGD)
  • Solomon Islands dollar (SBD)
  • Somali shilling (SOS)
  • South African rand (ZAR)
  • South Korean won (KRW)
  • Sri Lankan rupee (LKR)
  • Surinamese dollar (SRD)
  • Swazi lilangeni (SZL)
  • Swedish krona/kronor (SEK)
  • Swiss franc (CHF)
  • Tajikistani somoni (TJS)
  • Tanzanian shilling (TZS)
  • Thai baht (THB)
  • Tongan paʻanga (TOP)
  • Trinidad and Tobago dollar (TTD)
  • Tunisian dinar (TND)
  • Turkish lira (TRY)
  • Turkmenistani manat (TMT)
  • Ugandan shilling (UGX)
  • Ukrainian hryvnia (UAH)
  • United Arab Emirates dirham (AED)
  • United States dollar (USD)
  • Uruguayan peso (UYU)
  • Uzbekistan som (UZS)
  • Vanuatu vatu (VUV)
  • Venezuelan bolívar (VEF)
  • Vietnamese dong (VND)
  • Yemeni rial (YER)
  • Zambian kwacha (ZMW)
  • Zimbabwe dollar (ZWD)

Integration

With Google Pay™, your customers can purchase goods/services with a credit or debit card stored in their Google account. Whether they are shopping from their Android devices or in the internet, the payment process is much simpler: Google Pay™ displays a payment sheet that selects the preferred card payment method that the buyers confirm.
Check out the video to how buyers pay with Google Pay™.

To receive a liability shift when using Google Pay™, you must authenticate the transaction with 3-D Secure.
Our platform offers you two types of integration for your business:

Find a high level overview in the "Process flows" chapter.

  • When using the Google API, make sure to consult the Web / Android / Web Google Pay™ Brand Guidelines. They tell you about the Google Pay™ do’s and don’ts, show the types of supported buttons and best practices to max out your conversion rate.
  • To use this payment method, your customers need to install the Google Pay™ app on their device.
  • If you want to offer Google Pay™ on your own checkout page, make sure both Visa and Mastercard are active in your account. Check this in your account. If they are not active yet, contact us.
  • This integration mode requires your customers with a desktop/tablet device to pay with regular credit cards. In such a scenario, 3-D Secure is mandatory. Learn here how to implement 3-D Secure in the transaction flow.
The image shows Google Pay activated in the Merchant Portal

Google Pay™ on your own Checkout page

Use our JavaScript SDK to implement Google Pay™ with the Google Pay™ button directly into your own checkout page. In this case, you need to open a Google Pay™ sheet and get the payment token that Google will encrypt for you with our public key.
When you have received the payment token, you have to send it to us using our Create Payment API call though the Server API to complete the payment. After this step, we will handle the decryption for you.
To do so, you need to:

  • Open a Google Pay™ sheet.
  • Get the payment token that Google encrypts for you with our public key with the Google API.
  • Send the payment token using our CreatePayment API with one of our Server SDKs so we can handle the decryption for you.

This integration mode gives you the following benefits:

  • Better visibility of the Google Pay™ button on your website for higher conversion.
  • You can use the Google Pay™ API to retrieve your customer’s personal details as their address or email.

Once you have followed Google’s setup guidelines, you are ready for the technical integration. Google offers a very clear and concise tutorial on how to implement Google Pay™ on your Website. The technical integration includes the following steps:

  1. Retrieve GooglePay™
  2. Prepare request data
  3. Comply with Strong Customer Authentication (SCA)
  4. Render Google Pay™ button
  5. Initialise the Payment
  6. Get the payment token
  7. Send the payment token
  • Because you use us to decrypt sensitive payment information, Google uses the following type of tokenization: PAYMENT_GATEWAY. We will explain the how-to in the following steps.
  • Depending on the device used for the payment, two scenarios are possible:
    • 1. Mobile devices: Your customers use a network-tokenised card for the payment. These virtual cards are linked to a device-specific account number (DPAN). A digital signature protects these card from fraudulent use, making 3-D Secure unnecessary.
    • 2. Desktop/Tablet devices: Your customers use a non-network tokenised card for the payment. These are standard physcial credit cards that require a 3-D Secure check. Step
      “Send payment token” explains in detail what you have to do in either case.

1. Retrieve Google Pay™

Use the JavaScript Client SDK to retrieve the Google Pay™ payment product via the payment product(s) API call. This will provide you with the data needed for the next steps, such as the supported networks.

Use the following code sample to make the call:  

// session is an instance of the Session object, the SDK's main entry point. Note that the session has to be initialized before using it.
const googlePayProduct = await session.getPaymentProduct(320, paymentDetails).catch(() => null);
if (!googlePayProduct) {
   // Google Pay™ is not available, offer your customer another payment option to complete the payment
}
// Google Pay™ is available, show the Google Pay™ button

2. Prepare request data

You must specify the credit card network allowed for the current Google Pay™ transaction. The GetPaymentProduct call (both via client-to-server and server-to-server) returns the available networks. The networks are available in the response paymentProduct320SpecificData field. The Google Pay™ API directly accepts the return values.

Since we decrypt the Google Pay™ment token for you, you need to set a specific value for the gateway field in the tokenization request. This value is also available in the paymentProduct320SpecificData.

  • merchantID: the merchantID you get from Google after registration with the Google Pay™ Business Console.
  • merchantName: the name that is rendered in the payment window. This is mandatory if you are based in the European Economic Area (EEA) to meet the Strong Customer Authentication (SCA) requirements. Encode the merchantName as UTF-8 according to Google's specifications.
  • gateway: use the value returned in the product-response (see code snippets below).
  • gatewayMerchantId: your merchantID (PSPID) on our platform.

3. Comply with Strong Customer Authentication (SCA)

If your acquirer is from the European Economic Area (EEA), you must submit the acquiring bank’s country/region information to Google in TransactionInfo.countryCode. This will ensure you comply with SCA requirements. Google Pay™ will return corresponding transaction data based on the country/region of your acquirer.

The payment product API call from the Client SDK or the Server-to-Server returns the acquirerCountry, which you must send to Google.

// Use the retrieved Google Pay™ Payment Product from step 1.
const acquirerCountry = googlePayProduct.json.acquirerCountry;

Find more information on Strong Customer Authentication compliance for Google Pay™ at the Google Pay™ API documentation and in our dedicated guide.

To make sure the transaction is process according to the SCA guideline, populate these fields in the final Create Payment request made from the Server SDK to cover your customer's device.

customer.device.acceptHeader
customer.device.browserData.colorDepth
customer.device.browserData.javaEnabled
customer.device.browserData.screenHeight
customer.device.browserData.screenWidth
customer.device.ipAddress
customer.device.locale
customer.device.timezoneOffsetUtcMinutes
customer.device.userAgent

Find more information about these fields in our complete 3-D Secure properties overview.

4. Render Google Pay™ button

If Google Pay™ is available, add the Google Pay™ button on your checkout page. Make sure to follow Google’s guidelines on displaying the Google Pay™ button and Google's brand policy.

Use the following code sample to add it:

const baseRequest = {
 "apiVersion": 2,
 "apiVersionMinor": 0,
 "allowedPaymentMethods": [{
     "type": "CARD",
     "parameters": {
       "allowedAuthMethods": ["PAN_ONLY", "CRYPTOGRAM_3DS"],
// googlePay object retrieved in step 1.
       "allowedCardNetworks": googlePayProduct.paymentProduct320SpecificData.networks
     }
 }]
}
// Note that you must import the https://pay.google.com/gp/p/js/pay.js script into your page.
// For the PaymentsClient object, please refer to https://developers.google.com/pay/api/web/reference/client
     paymentsClient = new google.payments.api.PaymentsClient({
         environment: 'PRODUCTION'
      });

     paymentsClient
         .isReadyToPay(baseRequest)
         .then((response) => {
             if (response.result) {
                 // button can be rendered
                 const button = paymentsClient.createButton({
                     // add button click handled. Check step 5 for the handler code.
                     onClick: () => onGooglePayButtonClicked()
                 });
                 // render the button into your checkout page.
                 document.getElementById('googlePayContainer').appendChild(button);
             }
         })
         .catch((err) => {
             // Google Pay™ is not available, offer your customer another payment option to complete the payment
          });

5. Initialise the payment

Respond to the customer using the Google Pay™ button by creating a Google Pay™ payment session for the payment:

const onGooglePayButtonClicked = () => {
   // note that some parts of this request are the same as for the one for the button initialisation in step 4, 
   // so you might want to reuse it.
   const paymentDataRequest = {
 "apiVersion": 2,
 "apiVersionMinor": 0,
 "allowedPaymentMethods": [{
     "type": "CARD",
     "parameters": {
       "allowedAuthMethods": ["PAN_ONLY", "CRYPTOGRAM_3DS"],
// googlePayProduct is the payment product object retrieved in step 1.
       "allowedCardNetworks": googlePayProduct.paymentProduct320SpecificData.networks
     }
     "tokenizationSpecification": {
       "type": "PAYMENT_GATEWAY",
       "parameters": {
         "gateway": googlePayProduct.paymentProduct320SpecificData.gateway,
         "gatewayMerchantId": "" // check step 2 for this value
       }
     }
 }],
 "merchantInfo": {
   // your Google merchant info. Check step 2 for these values.
   "merchantId": "",
   "merchantName": ""
 },
 "transactionInfo": {
   "totalPriceStatus": "FINAL",
   "totalPrice": "10.00", // enter the correct price
   "currencyCode": "EUR"  // enter the correct currency code
 }
    }

   // The paymentsClient object is created in step 3.
   // This will open the modal popup for the actual payment.
   paymentsClient.loadPaymentData(paymentDataRequest).then((paymentData) => {
       // handle the response. Check the next step for the code.
       processPayment(paymentData);
   }).catch((err) => {
       // show error in the developer console for debugging
        console.error(err);
    });

6. Get the payment token

To process the actual payment, you need to request the payment token from Google. To do so, use the following code snippet:

const processPayment = (paymentData) => {
   const paymentToken = paymentData.paymentMethodData.tokenizationData.token;
   // check step 7 for information on how to use this token
}

7. Send the payment token

In the Create payment API call, you can provide payment tokens in two different ways:

  1. You can process the received raw payment token from the previous step. Here is the snippet of the Create Payment request object:
    {
      // ...
      "mobilePaymentMethodSpecificInput":{
         "encryptedPaymentData": paymentToken,
         "paymentProductId":"320"
      }
      // ...
    }
  2. Use the Client SDK to encrypt the token and send it as a payment value in the encryptedCustomerInput of the Create Payment request. This input is an encrypted list of key-value pairs, usually containing user input, which is compiled based on the actual input field. The customer's encrypted payment details:
    • are encrypted again
    • sent to your server
    • used in the server SDK to create a payment

    Here is the code that explains how to encrypt it using the Client SDK:
    const processPayment = (paymentData) => {
       const paymentToken = paymentData.paymentMethodData.tokenizationData.token;
       const paymentRequest = new PaymentRequest();
       paymentRequest.setPaymentProduct(paymentProduct);
       paymentRequest.setValue('encryptedPaymentData', paymentToken);
       if (paymentRequest.isValid()) {
           session.getEncryptor().encrypt(paymentRequest)
               .then((encryptedString) => {
                    // Send the encrypted payment info to your server and use it as the encryptedCustomerInput value.
                 })
                 .catch((errors) => {
                     // There was an error encrypting the payment input.
                     document.getElementById('error').innerHTML = 'Errors: ' + JSON.stringify(errors);
                 });
       }
    }

    When sent to your server, use it to construct the Create Payment request object:

    {
      // ...
      "encryptedCustomerInput": encryptedString,
      // ...
    }

    Find detailed information about this object and its properties in our CreatePaymentAPI.

Make sure to determine the device your customers are using for the payment, as it determines whether you have to roll out 3-D Secure manually.

    A typical request looks like this:

     Request with 3-D Secure properties using encryptedPaymentData
    {
    "mobilePaymentMethodSpecificInput": {
    "paymentProductId": "320",
    "requiresApproval": true,
    "encryptedPaymentData": "{"signature":"MEUCIG/WtsJnBf6yLsvnD2LOGaVMCO8E93QizIE0foMscVujAi..."
    },
    "paymentProduct320SpecificInput": {
    "threeDSecure": {
    "challengeIndicator": "no-preference",
    "challengeCanvasSize": "600x400",
    "skipAuthentication": false,
    "redirectionData": {
    "returnUrl": "https://hostname.myownwebsite.url",
    "variant": "100"
    }
    }
    },
    "order": {
    "amountOfMoney": {
    "currencyCode": "EUR",
    "amount": 2300
    },
    "customer": {
    "billingAddress": {
    "countryCode": "BE"
    },
    "device": {
    "acceptHeader": "texthtml,application/xhtml+xml,application/xml;q=0.9,/;q=0.8",
    "browserData": {
    "colorDepth": 24,
    "javaEnabled": false,
    "screenHeight": "1200",
    "screenWidth": "1920"
    },
    "ipAddress": "123.123.123.123",
    "locale": "en-US",
    "userAgent": "Mozilla/5.0 (Macintosh; Intel Mac OS X 10_14_4) AppleWebKit/605.1.15 (KHTML, like Gecko) Version/12.1 Safari/605.1.15",
    "timezoneOffsetUtcMinutes": "420"
    },
    "locale": "en_US",
    "merchantCustomerId": "your id="" of="" the="" consumer="""
    }
    }
    }
    
    
    
        Request with 3-D Secure properties using encryptedCustomerInput
    
    {
      "mobilePaymentMethodSpecificInput": {
        "paymentProductId": "320",
        "requiresApproval": true
      },
        "paymentProduct320SpecificInput": {
            "threeDSecure": {
              "challengeIndicator": "no-preference",
              "challengeCanvasSize": "600x400",
              "skipAuthentication": false,
              "redirectionData": {
                "returnUrl": "https://hostname.myownwebsite.url",
                "variant": "100"
            }
        }
      },
      "order": {
        "amountOfMoney": {
          "currencyCode": "EUR",
          "amount": 2300
        },
        "customer": {
          "billingAddress": {
            "countryCode": "BE"
          },
          "device": {
            "acceptHeader": "texthtml,application/xhtml+xml,application/xml;q=0.9,*/*;q=0.8",
            "browserData": {
              "colorDepth": 24,
              "javaEnabled": false,
              "javaScriptEnabled": true,
              "screenHeight": "800",
              "screenWidth": "360"
            },
            "ipAddress": "123.123.123.123",
            "locale": "en-US",
            "userAgent": "Mozilla/5.0 (Linux; Android 10; SM-G980F) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/87.0.4280.101 Mobile Safari/537.36",
            "timezoneOffsetUtcMinutes": "420"
          },
          "locale": "en_US",
          "merchantCustomerId": "your id="" of="" the="" consumer="""
        },
        "encryptedCustomerInput" : "encrypted string=""" 
      }
    }
    
    
    
        Request without 3-D Secure properties using encryptedpaymentdata
        
        {
        "order" : {
            "amountOfMoney" : {
                "currencyCode" : "EUR",
                "amount" : 2300
            },
            "customer" : {
               "merchantCustomerId": "
      
       ",
               "billingAddress" : { 
                    "countryCode" : "NL"
                }
            }
        },
        "mobilePaymentMethodSpecificInput" : { 
            "paymentProductId" : 320, 
            "encryptedPaymentData": "{\"signature\":\"MEUCIQCcSASjWu3ax9jQ8qX/+rsNLZ95uiyxamXiKnHlJi8A1QIgZj ..."
        } 
    }
    
      
    
        Request without 3-D Secure properties using encryptedcustomerinput
    
        
        {
        "order" : {
            "amountOfMoney" : {
                "currencyCode" : "EUR",
                "amount" : 2300
            },
            "customer" : {
               "merchantCustomerId": "your id="" of="" the="" consumer=""",
               "billingAddress" : { 
                    "countryCode" : "NL"
                }
            }
        },
        "encryptedCustomerInput" : "encrypted string=""" 
    }
    

    Google Pay™ in app

    We also provide Google Pay™ for native Android or iOS applications. Our client SDKs (Android, Swift, Flutter, React Native) help you embed Google Pay™ into your application, while we will decrypt sensitive payment information for you. The following explanation will use the Android SDK as an example, but other SDKs have the same flow.

    Once you have followed Google’s setup guidelines, you are ready to begin the technical integration with us. Google offers a very clear and concise tutorial on how to implement Google Pay™ on your website. The technical integration includes the following steps:

    Because you use us to decrypt sensitive payment information, Google uses the following type of tokenization: PAYMENT_GATEWAY.

    1. Retrieve Google Pay™

    Google Pay™ might not always be available on all devices. The Android SDK client allows you to easily hide Google Pay™ if this is the case. Our platform will then return null. Use the following code sample to make this call:

    // The paymentContext is an instance of the PaymentContext class holing the order payment data, such as amount and currency
    val googlePayProduct = session.getPaymentProduct(320, paymentContext)
    if (googlePayProduct != null) {
       // Google Pay™ is available, render the Google Pay™ button.
    } else {
       // Google Pay™ is NOT available.
    }

    2. Comply with Strong Customer Authentication (SCA)

    If your acquirer is from the European Economic Area (EEA), you must submit the acquiring bank’s country/region information to Google in TransactionInfo.countryCode. This will ensure you comply with SCA requirements. Google Pay™ will return corresponding transaction data based on the country/region of your acquirer.

    The payment product API call from the Client SDK or the Server-to-Server returns the acquirerCountry, which you must send to Google. 

    private JSONObject getGooglePayPaymentRequestData(PaymentContext paymentContext, PaymentProduct googlePayProduct) {
       val googlePayData = googlePayProduct.paymentProduct320SpecificData
       val cardPaymentMethod = JSONObject().apply {
           put("type", "CARD")
           put("parameters", JSONObject().apply {
               put("allowedAuthMethods", JSONArray(listOf("PAN_ONLY", "CRYPTOGRAM_3DS")))
               put("allowedCardNetworks", JSONArray(googlePayData.networks))
               put("billingAddressRequired", false)
           })
           put("tokenizationSpecification", JSONObject().apply {
               put("type", "PAYMENT_GATEWAY")
               put("parameters", JSONObject().apply {
                   put("gateway", googlePayData.gateway)
                   put("gatewayMerchantId", merchantId)
               })
           })
        }

       val transactionInfo = JSONObject().apply {
           put("totalPrice", price.toString())
           put("totalPriceStatus", "FINAL")
           put("currencyCode", currencyCode)
           // use the acquirerCountry from the returned payment product, if available;
           // otherwise, use the country code from your current context
           put("countryCode", googlePayProduct.json.acquirerCountry)
        }

       val paymentRequest = JSONObject() {
           put("apiVersion", 2)
           put("apiVersionMinor", 0)
        }

       paymentRequest.put("allowedPaymentMethods", JSONArray().put(cardPaymentMethod))
       paymentRequest.put("transactionInfo", transactionInfo)
       paymentRequest.put("merchantInfo", JSONObject().apply {
           put("merchantId", googleMerchantId)
           put("merchantName", googleMerchantName)
       })
       return paymentRequest;
    }

    Find more information on Strong Customer Authentication compliance for Google Pay™ at the Google Pay™ API documentation and in our dedicated guide.

    3. Render Google Pay™ button

    When the payment request is prepared, display the Google Pay™ button in your app. Make sure to follow Google’s guidelines on displaying the Google Pay™ button and Google's brand policy.

    val walletOptions = Wallet.WalletOptions.Builder()
       .setEnvironment(WalletConstants.ENVIRONMENT_PRODUCTION)
       .build()
    val client = Wallet.getPaymentsClient(activity, walletOptions)
    AutoResolveHelper.resolveTask(
       client.loadPaymentData(getGooglePayPaymentRequestData(paymentContext, googlePayProduct),
       requireActivity(),
       GOOGLE_PAY_REQUEST_CODE // your activity ID
    )

    4. Get payment token

    Once the Google Pay process succeeds, you need to get the payment token. To do so, use the following code snippet:

    override fun onActivityResult(requestCode: Int, resultCode: Int, data: Intent?) {
       when (requestCode) {
           GOOGLE_PAY_REQUEST_CODE -> {
               when (resultCode) {
                   Activity.RESULT_OK ->
                       data?.let { intent ->
                           PaymentData.getFromIntent(intent)?.let(::handleGooglePaySuccess)
                        }

                   Activity.RESULT_CANCELED -> {
                       dismiss()
                    }

                   AutoResolveHelper.RESULT_ERROR -> {
                       AutoResolveHelper.getStatusFromIntent(data)?.let { status ->
                           // display the error message
                       }
                       dismiss()
                   }
               }
           }
       }
    }

    private fun handleGooglePaySuccess(paymentData: PaymentData) {
       val paymentDataJSONString = paymentData.toJson()
       try {
           // Token will be null if PaymentDataRequest was not constructed using fromJson(String).
           val unformattedGooglePayToken = JSONObject(paymentDataJSONString)
               .getJSONObject("paymentMethodData")
                .getJSONObject("tokenizationData").getString("token")

           // Token needs to be formatted when using it to create a payment
           // with mobilePaymentMethodSpecificInput.encryptedPaymentData
           // Send this to your server to be processed. Check step 5 for more details.
           val formattedGooglePayToken = JSONObject.quote(unformattedGooglePayToken)
       } catch (exception: JSONException) {
           // display the error message
       }
    }

    5. Send payment token

    In the Create payment API call, you can provide payment tokens in two different ways:

    1. You can process the received raw payment token from the previous step. Here is the snippet of the Create Payment request object:
      {
        // ...
        "mobilePaymentMethodSpecificInput":{
           "encryptedPaymentData": formattedGooglePayToken,
           "paymentProductId":"320"
        }
        // ...
      }
    2. Use the Client SDK to encrypt the token and send it as a payment value in the encryptedCustomerInput of the Create Payment request. This input is an encrypted list of key-value pairs, usually containing user input, which is compiled based on the actual input field. The customer's encrypted payment details:
      • are encrypted again
      • sent to your server
      • used in the Server SDK to create a payment

      Here is the code that explains how to encrypt it using the Android SDK and the previously explained code:
      val paymentRequest = PaymentRequest()
               paymentRequest.paymentProduct = googlePayProduct
               paymentRequest.setValue("encryptedPaymentData", formattedGooglePayToken)
          val encryptedString = session.preparePaymentRequest(paymentRequest)

      When sent to your server, use it to construct the Create Payment request object:

      {
        // ...
        "encryptedCustomerInput": encryptedString,
        // ...
      }

      Find detailed information about this object and its properties in our CreatePaymentAPI.

    Process flows

    1. Your customers finalse an order in your shop / in your app and select Google Pay™.
    2. Your server sends a specific Google API call to display a list of supported payment methods in the browser / app.
    3. Your customers select a payment method.
    4. Your server requests a payment token from Google.
    5. You send this CreatePayment request to our platform, containing the payment token in property mobilePaymentMethodSpecificInput.encryptedPaymentData
      5'(Optional for payments going through your own checkout page). If your customers use a Non-network tokenised card, you redirect the customers to their issuing bank for 3-D Secure authentication.
      5''(Optional for payments going through your own checkout page). Your customers perform the 3-D Secure check. Our system receives the result from the issuer. Based on the result, two scenarios are possible:
      a) If the identification was successful, the flow continues at step 6.
      b) If the identification was unsuccessful, we redirect your customers to your returnUrl, ending the flow. You can request the transaction result as described in step 8.
    6. Google Pay™ processes the actual financial transaction. We receive the transaction result.
    7. We redirect your customer to your app / returnUrl
    8. You request the transaction result from our platform via GetPaymentDetails or receive the result via webhooks.
    9. If the transaction was successful, you can deliver the goods / services.

    Testing

    Refer to our Test cases for test data and detailed instructions.

    Additional information

    Google Pay and Card On File

    Card On File (COF) allows a customer's card details to be stored for future payments, which is also possible for Google Pay.
    The COF framework defines the fair use of stored card data, giving you specific instructions. We explain these in the dedicated use cases section and provide for each JSON samples/API endpoints. Google Pay only supports use case A and E and as differences apply, we document them here directly.

    Sample A - CIT first & recurring

    CreateHostedCheckout CreatePayment
    {
        "mobilePaymentMethodSpecificInput": {
            "paymentProduct320SpecificInput": {
                "tokenize": true,
                "recurring": {
                    "recurringPaymentSequenceIndicator": "first"
                },
                "threeDSecure": {
                    "challengeIndicator": "challenge-requested",
                    "skipAuthentication": false,
                    "exemptionRequest": "none"
                }
            }
        },
        "hostedCheckoutSpecificInput": {
            "isRecurring": true
        },
        "order": {
            "amountOfMoney": {
                "amount": 10,
                "currencyCode": "EUR"
            }
        }
    }
    {
        "mobilePaymentMethodSpecificInput": {
            "paymentProductId": 320,
            "encryptedPaymentData": {\"signature\":\"MEUCIQCcSASjWu3ax9jQ8qX/+rsNLZ95uiyxamXiKnHlJi8A1QIgZj ...",
            "requiresApproval": true,
            "paymentProduct320SpecificInput": {
                "threeDSecure":{
                    "challengeIndicator": "challenge-required",
                    "redirectionData": {
                        "returnUrl":"https://yourRedirectionUrl.com"
                    }
                },
                "isRecurring": true,
                "tokenize": true,
                "recurring": {
                    "recurringPaymentSequenceIndicator": "first"
                }
            }
        },
        "order": {
            "amountOfMoney": {
                "currencyCode": "EUR",
                "amount": 10
            },
            "customer":{
                "device":{
                    "acceptHeader": "text/html,application/xhtml+xml,application/xml;q=0.9,image/avif,image/webp,*/*;q=0.8",
                    "browserData":{
                        "colorDepth": 99,
                        "javaEnabled": true,
                        "javaScriptEnabled": true,
                        "screenHeight":" 768",
                        "screenWidth": "1024"
                    },
                    "ipAddress": "123.123.123.123",
                    "locale": "en_GB",
                    "userAgent": "Mozilla/5.0(WindowsNT10.0;Win64;x64)AppleWebKit/537.36(KHTML,likeGecko)Chrome/75.0.3770.142Safari/537.36",
                    "timezoneOffsetUtcMinutes": "-180"
                }
            }
        }
    }

    Sample E - MIT scheduled payments

    SubsequentPayment

    {
      "subsequentCardPaymentMethodSpecificInput": {
        "subsequentType": "recurring"
      },
      "order": {
        "amountOfMoney": {
          "amount": 100,
          "currencyCode": "EUR"
        }
      }
    }

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