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Overview

Payment group: Mobile
Payment product id: 320

Google Pay is the fast, simple way to pay at millions of places – on sites, in apps, and in stores. It brings together everything you need at checkout and protects your payment info with multiple layers of security.

Consumers can save payment methods, like a debit or credit card and additional information, such as shipping details, to their Google Account or store it in the Google Pay app. When the consumer clicks the “Buy with Google Pay” button in the app or on the website, the payment will immediately start. The card with which the consumer wants to pay will be loaded from the Google Pay wallet, as well as the shipping details.

We offer the following card networks to be used with Google Pay:

  • Google Pay - Visa
  • Google Pay - Mastercard
  • Google Pay - American Express
  • Google Pay - Discover

We offer you the following integration options:

  • Google Pay for websites using our MyCheckout hosted payment pages
    • The MyCheckout Hosted Payment Pages offer full support for Google Pay when your customer is using a browser that supports Google Pay. 
    • You will only need to provide us the name you want your consumers to see and the URL of your website, which you can fill out easily in the configuration center
    • You can adjust the look and feel of the checkout page your consumers see as usual in the MyCheckout editor
    • You do not need to register with Google
  • Google Pay for websites using your own checkout page: decryption is done by us
      • We decrypt the sensitive payment data for you
      • Our JavaScript SDK makes it easier for you to add Google Pay to your checkout page
      • You will need to register with Google and have your integration validated by Google
  • Google Pay for websites using your own checkout page: decryption is done by you
        • You decrypt the sensitive payment data and send it to us for further processing
        • Our JavaScript SDK makes it easier for you to add Google Pay to your checkout page
        • You will need to register with Google and have your integration validated by Google
  • Google Pay for in app
          • Our Android SDK allows you to easily add Google Pay to your mobile app.
          • We will manage the decryption of the payment data for you.
          • If you want to, you can also choose to decrypt the data yourself and send it over to us.
          • You will need to register with Google and have your integration validated by Google

    Google Pay also allows consumers to pay in-store using their mobile phone, but we only support payments on websites and in apps with Google Pay for Visa, Mastercard, American Express and Discover cards.


    Optimized for:

    Consumer experience

    1. In case the Google Pay app is not installed on the device, the consumer can download the app from the Google Play store. The consumer can add her/his payment details as well as shipping address in the app.
    2. Within an app that supports Google Pay, the button “Buy with Google Pay” will appear when the consumer is ready to check out.

    For a new user the flow is slightly different compared to a returning user:

    1. In the case of a new user, the consumer will be shown the “chooser”, which allows the consumer to log in to their Google Pay account and select the payment method they want to use as their funding source and their shipping address. Once they have confirmed their selection, they will be brought back to your app. Obfuscated billing and shipping information known as the Masked Wallet response is also passed to your app allowing you to render the confirmation screen.
    2. On the confirmation screen, the consumer’s payment and shipping information is displayed. The consumer can change their payment and shipping information and once she/he has reviewed their purchase, they can confirm it. At this point you can request the payment credentials for the consumer’s Google Pay account.
    3. Once the payment has been processed, the consumer should continue through the typical purchase flow to your receipt page. You’ll make one last call to notify Google Pay of the success or failure of the transaction.

    Returning consumer

    1. If a user has authorized Google Pay to use a default payment method for your app, both the Buy button and the Continue checkout button should lead directly to the confirmation screen. The chooser popup is bypassed, automatically returning your customer's default backing card and shipping address.
    2. The purchase flow can proceed directly to the confirmation screen, where you render the consumer’s billing and shipping information. Consumers should be able to change the details here as well.
    3. Just like in the new user flow, you will receive the payment credentials for the consumer’s Google Pay account and continue through your typical purchase flow to your receipt page.

    Images by Google, see Google Pay developer materials.

    Key benefits

    • Check out faster: allowing your consumers to pay with the simple press of a button.
    • Security: Google Pay protects the payment data of consumers with multiple layers of security.
    • Offering Google Pay on our MyCheckout hosted payment pages can be easily done by providing us your details in the configuration center.
    • Easy integration in case you want to add Google Pay to your own website, allowing you to use us for the decryption of the sensitive payment data or decrypt it yourself.
    • Our Android SDK allows you to easily add Google Pay for in-app payments
    • Increase conversion for in-app and online (web) payments, as consumers can pay without having to enter all their payment details.
    • Huge potential in terms of usage, due to the millions of users who have saved their card details in their Google account.

    Boarding

    In order to start processing Google Pay™ you will need to have Google Pay as well as regular card products enabled on your merchant ID with us. This means you will need to sign a “Card Not Present” agreement to process card payments in case you have not done that yet.

    If you use Google Pay on the checkout page hosted by yourself, you will need to register with Google, accept the Terms of Service and receive a Google merchant ID. You will need to request production usage of Google Pay to Google yourself, in the Business Console of Google. 

    If you use Google Pay on the MyCheckout hosted payment pages, you do not need to register separately with Google. By using Google Pay on the MyCheckout hosted payment pages, you accept the Terms of Service of Google for Google Pay.

    In case you use Google Pay in your app, you will need to have an account with Google from the Play Store, with which you can accept the Terms of Service for Google Pay, as described by Google. You will need to request production usage of Google Pay to Google yourself, in the Business Console of Google.

    We will be happy to help you get started.

    Contact us