Introduction

Google Pay™ is a digital wallet platform and online payment system that powers in-app, tap-to-pay, and website purchases. It allows users to make payments online from the web (supported on Google Chrome, Mozilla Firefox, Apple Safari, Microsoft Edge, Opera, and UCWeb UC browsers) and with Android phones, tablets and watches using any credit or debit card saved to their Google Account, including those from Google Play, YouTube, Chrome, or an Android device.

Some of the main benefits of offering Google Pay as a payment method are:

• A better way to pay: Google Pay™ is a faster, more secure way to pay on sites and in apps using payment methods saved to a Google Account
• Availability: Google Pay™ is accepted in millions of places around the world. It’s available on Android, iOS, and desktop, and you can use it in multiple browsers, including Chrome, Firefox, and Safari
• Increased conversions: Google Pay™ delivers frictionless checkout by eliminating the need to type billing and shipping details, increasing conversions by giving shoppers a better way to pay
• Increased security: Google Pay™ protects your payment information with multiple layers of security, including card network tokenization

User Experience 

Screenshots 

At the checkout, the customer selects the Google Pay™ button at the top of the screen:

The customer then signs into their Google account:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

The customer selects their payment card before completing the payment:

 

 

 

 

 

 

 

 

 

 

 

 

 

Requirements / Restrictions

• Transaction types supported: Payment, Pre-authorization, Installments, Refunds, Void.
• Schemes supported: Visa, Mastercard.
• Google Pay™ transactions are being processed only through Worldline acquirer.

Important notice: Tokenization is not supported through Google Pay™.

SCA and PSD2

Google Pay™ supports both CRYPTOGRAM 3DS and PAN ONLY. Cryptogram 3DS, which is a tokenized solution, will always be preferred. Most issuers will accept this as being SCA, and hence not result in the need for completion of 3D-Secure.

In case a non-tokenized solution is used (PAN ONLY) or the issuer declines the transaction for missing SCA, Cardlink’s payment gateway will automatically continue with the 3DS flow to ensure the payment can succeed. 3DS flow is by default enabled to all merchants.

All merchants must adhere to the Google Pay APIs Acceptable Use Policy and accept the terms defined in the Google Pay API Terms of Service.

Google Pay is a trademark of Google LLC.

How to activate Google Pay™

All merchants are by default activated to accept payments for Google Pay™. There is no need for any extra steps or implementation in their end. The respective button appears in the hosted payment page and is ready for use by the customer.

Testing Google Pay™

In order to test Google Pay™ functionality in the demo environment, you need to visit URL https://groups.google.com/g/googlepay-test-mode-stub-data from your browser in order to gain access to the respective test cards.

After that, those test cards will be available at the Google Pay™ account when you execute a transaction.