Google Pay™
What is it?
Google Pay is a safe, fast and easy way to accept payments. Customers can use stored encrypted and tokenized card data card information to make online and in-store purchases. Google Pay is supported in all current payment options. Partners can offer the solution and reduce shopping cart abandonment. Google Pay is an industry-leading payment option with over 100 Million users in 2020 and a trusted service provider.
Google allows cardholders to add multiple payment options to their mobile device or Google account which creates a flexible solution and removes friction at the point of sale. The stored payment data is protected using biometric authentication that is built into the mobile device to ensure the transaction is secure.
Google Pay is a turn-key solution that requires minimal development work to add this functionality to current check-out flows. Google Pay requires no formal activation, creation of a Google account or enablement process for partners and merchants. Simply add the Google Pay button to your current PayFrame or PayField and the checkout option will display.
Prerequisites
Google Pay is an eCommerce solution that allows multiple check-out options. Compatible browsers include Google Chrome, Mozilla Firefox, Apple Safari, Microsoft Edge, Opera and UCWeb UC Browser. It is essential to operate on the current version of your browser. The Google Pay solution currently supports eCommerce and card-present options. Android-based in-app or Mobile SDK integrations are currently supported.
Google Pay is also available in a retail or card-present environment. With a mobile solution, BB POS device clients can use Near Field Communication (NFC) to create contactless card-present solutions. All CP devices that support EMV and Contactless support Google Pay.
Cardholders must add a payment method to their Google Pay mobile wallet before using the product. Google offers step-by-step instructions HERE to help customers.
How it Works
Google Pay supports the following Authorization methods; PAN only and Cryptogram 3Ds. To enable 3Ds on a partner/vendor account and implementation specialists can activate the parameter and allow this verification. However, partners will need to integrate with a 3dS service provider to access the 3Ds data; and authenticate the cardholders before this can be used.
The billing address is not required to create transactions using Google Pay.
How Google Pay Handles Google Pay Cryptogram
The PayField displays the Google Pay payment form. When a cardholder selects Google Pay as a payment method, using the Google Pay API to retrieve the Google Pay Cryptogram as an encrypted payload. The Payload is then saved to our API using a POST method, sending the encrypted data to the backend. Next, utilize our decryption service to decrypt the payload, then send the card data to the processor to create a new transaction.
Google Pay is supported by all major card brands including Visa, Mastercard, Discover, Amex and dinners club. Google Pay is accepted for merchants in the following locations.
It is important for all merchants using Google Pay to abide by the Google Pay Acceptable Use Policy and Google Pay API Terms of Service
Google Pay Set Up
To begin registration for Google Pay navigate to the payment methods in the settings section of the merchant portal. Once enabled at the partner level, Google Pay will default to “ON” for all newly boarded merchants. After the Google Pay JavaScript URL, configurations, and html have been added to the payment solution the button will appear and transactions can be created. Once activation and implementation is completed all merchants will be able to take advantage of the feature.
Card Present
Google Pay is an innovative way to remove friction from the retail checkout process, creating a fast, secure way for your customers to make payments in -store. It improves security by utilizing biometric cardholder authentication and removing the need to input card data. Google Pay is available in all Terminals that accept NFC and will be processed as contactless payment methods. We will work with you to create a customized Google Pay solution to meet your needs.
Card Not Present
Google Pay is available in an Ecommerce environment as an additional payment option in the checkout flow. Google Pay is easily integrated into the current payment solutions to provide a fast and easy way to use the product. You can take advantage of Google Pay in the PayFrame and PayField solution using the steps below. by adding the Java Script to your current solution.
PayFrame Solution
Partners using our payframe solution will implement Google Pay with a single line of JavaScript to be added to their current implementation. After the initial Google enablement process is completed, add the JavaScript below. It will display the Google Pay button in your Payframe, allowing cardholders to select Google Pay as a payment option.
Step 1: Add the Google Pay Javascript on their payment page
<script src="https://pay.google.com/gp/p/js/pay.js"></script>
PayField Solution
Once the merchant enablement process has been completed, Google Pay is ready to implement your current PayField solution. PayField implementation is a simple approach to add the Google Pay button by adding a few lines of code. Once the Java Script has been added to the payfield and the Google Pay button is appropriately styled, cardholders will now select Google Pay as a payment option.
Step 1: Add the Google Pay Javascript on their payment page
<script src="https://pay.google.com/gp/p/js/pay.js"></script>
Step 2: Add the html attribute where we will show the google pay button
<div id="googlePayButton"></div>
Step 3: The below parameters will now be required:
PayFields.config.amount = 1;PayFields.config.txnType = 'auth';
Step 4: (For Sandbox testing only) Add this line to your PayFields configurations code:
PayFields.config.googlePay.environment = 'TEST';
Step 5: For help styling the button to Google Pay specifications, please read the Brand Guidelines document HERE.
Please reach out to merchant support with any further questions.
Example of full PayField including the Google Pay solution:
<!-- Google Pay Div -->
<div id="googlePayButton"></div>
<hr>
<div id="name"></div>
<div id="address"></div>
<div id="ccnumber"></div>
<div id="ccexp"></div>
<div id="cvv"></div>
<!-- jQuery for some additional PayField functionality -->
<script
src="https://code.jquery.com/jquery-3.6.3.min.js"
integrity="sha256-pvPw+upLPUjgMXY0G+8O0xUf+/Im1MZjXxxgOcBQBXU="
crossorigin="anonymous">
</script>
<!-- Include the Google Pay Script -->
<script src="https://pay.google.com/gp/p/js/pay.js"></script>
<!-- Be mindful of the domain, sandbox and prod will have different naming conventions-->
<script type="text/javascript" src="https://test-api.payrix.com/payFieldsScript"></script>
<script>
const initPayFields = () => {
if (PayFields) {
PayFields.config.apiKey = '<APIKEY here>';
PayFields.config.merchant = '<merchant ID here >';
// Must be set
PayFields.config.amount = 1;
// Must be set
PayFields.config.txnType = 'auth';
// ============================================
// Critical Step
// Sets the environment to a sandbox environment
PayFields.config.googlePay.environment = 'TEST';
// End Critical Step
// ============================================
PayFields.fields = [
{
type: 'number',
element: '#ccnumber'
},
{
type: 'cvv',
element: '#cvv'
},
{
type: 'expiration',
element: '#ccexp'
},
{
type: 'name',
element: '#name',
values: { name: 'John Wayne' }
},
{
type: 'address',
element: '#address',
values: {
email: 'one@two.com',
city: 'New York'
}
}
];
PayFields.customizations = {
placeholders: {
'#expiration': '00/00',
'#payment_cvv': '000',
'#payment_number': '0000 0000 0000 0000'
}
};
PayFields.onValidationFailure = () => {
//...
};
PayFields.onFailure = (response) => {
//...
};
PayFields.onSuccess = (response) => {
console.log(response);
};
} else {
throw Error('There no PayFields property in the window object.');
}
}
// Call function and execute all logic
initPayFields()
</script>Google Pay FAQ
What is Google Pay™?
Google Pay is Google’s digital payment service located in the Google Pay app on your mobile device. It allows users to make contactless point of sale payments or web purchases after adding your debit/credit card.
What devices can I use with Google Pay?
A compatible Android™ device with KitKat 4.4 or higher. The Google Pay app is preloaded on select devices. You can download the app in the Google Play™ store.
Does Google Pay work online and in-store?
Yes. Google Pay will work as a contactless payment solution in-store using a Google Pay-enabled device, as well as in an eCommerce environment utilizing the Google Device verification and authentication feature.
Is Google Pay secure?
Google Pay is secure. When you make payments, Google Pay never uses your actual card number but rather uses a virtual account number so your card details and private information are safe. Google Pay keeps your payment information encrypted on secure servers, so your full details are never stored on your phone or shared with merchants when you buy something because they see your virtual account number instead. When you set up Google Pay, you will have to set a screen lock if you don’t already have one. We recommend making sure Google Device Manager is on, which you can use if your phone is lost or stolen.
How is my card information secured within Google Pay?
You have to unlock your phone by either entering your PIN code or your fingerprint to use Google Pay. Once you’ve added your card Google Pay, a unique encrypted number is created, assigned, encrypted and stored on your phone. The data is protected on multiple layers that include encryption technology and Transport Layer Security. When you use Google Pay, your unique encrypted card number is used instead of your actual debit card number, so your debit card number is then never seen by a merchant as it is when swiping your card.
Do you charge any fees to use Google Pay?
There is no additional charge to offer or use Google Pa, but it does require an active data plan to work and your data plan may apply additional message and data charges.
Will it work on my iPhone or Safari browser?
Google Pay is compatible with Safari browsers but is not compatible with your iPhone.
Where can I learn more about Google Pay?