Google Pay™ is now available worldwide, however some Google Pay™ and Google Wallet™ payments features are only available in certain countries and on certain devices. For more details, please check with Google Pay™ feature availability.

All currencies that Google Pay™ supports are currently also supported by the PAYONE platform.

Supported Payment methods:

• Visa
• Mastercard

Google Pay™ may use cards or network tokens. Card based payloads consisting of PAN require PCI DSS compliance and 3D-Secure processing. To avoid the software on your server to come in contact with credit card data, PAYONE gets the complexity away from you via our Google Pay™ implementation in combination with the existing 3D Secure and SCA handling available in our gateway.

Test Data

You can use Google’s sample cards or PAYONE's test cards to perform test transactions.

Google’s sample cards

Payone test cards

When testing the Google Pay™ integration with PAYONE, you can utilize PAYONE test cards, which also support the 3DS flow, providing a comprehensive end-to-end testing experience. The account you use for testing with PAYONE test cards must be added to the Google Pay test card suite group.

Google Pay™ supports liability shift to issuers for qualified transactions using Mastercard and Visa Android device tokens (CRYPTOGRAM_3DS). Meanwhile, Google Pay™ PAN-based transactions follow the same liability shift rules based on the results of 3D Secure and corresponding card scheme rules.

The liability shift features are part of Visa and Mastercard programs with Google Pay™ and are subject to card scheme rules. For Visa, merchants can opt-in for "Fraud Liability Protection for Visa device tokens" at the Google Pay™ & Wallet Console.

---end

Details about liability shift for Google Pay™ can be found in the Google Pay™ FAQ.

Please ensure that you only offer payment methods through Google Pay™ that are included in your contract with us.

Onboarding

Merchants with an existing account on our platform who wish to provide Google Pay™ must follow these preparatory steps:

How Google Pay™ Works

The Google Pay™ API offers a streamlined checkout process, allowing customers to make purchases using payment methods saved to their Google Accounts. This not only simplifies the checkout process but also enhances security, as customer payment data is encrypted from Google's servers to the payment processor. With easy integration, you can implement Google Pay™ with minimal coding, potentially leading to a significant increase in unique users and sales volume.

Checkout the Google Pay - checkout experience pages for more buyer's experience with Google Pay.

source: Google Developers

1. Google Pay™ brand guideline for web

Make sure to follow the Google Pay™ brand guidelines before adding Google Pay™ payment button on your online shop.

2. Integrate Google Pay™ api

Integrate Google Pay™ API in your online shop. For detailed instructions please use the Google Pay™ API web integration guide and Google Pay™ API web integration checklist

---end

 const tokenizationSpecification = {
            type: “PAYMENT_GATEWAY”,
            parameters: {
            'gateway': 'payonegmbh',
            'gatewayMerchantId': 'yourPayoneMerchantID'
            }

---end

  const allowedCardNetworks = ["MASTERCARD", "VISA"];

---end

  "allowedAuthMethods": ["PAN_ONLY", "CRYPTOGRAM_3DS"]

{
    "type": "CARD",
    "parameters":
        {
        "allowedAuthMethods": ["PAN_ONLY", "CRYPTOGRAM_3DS"],
        "allowedCardNetworks": "MASTERCARD", "VISA"]
        },
    "tokenizationSpecification":
        {
        "type": "PAYMENT_GATEWAY",
        "parameters":
            {
            "gateway": "payonegmbh",
            "gatewayMerchantId": "yourPayoneMerchantid"
            }
        }

---end

{
  "signature": "MEUCIFr4ETGzv0uLZX3sR+i1ScARXnRBrncyYFDX/TI/VSLCAiEAvC/Q4dqXMQhwcSdg/ZvXj8+up0wXsfHja3V/6z48/vk=",
  "intermediateSigningKey": {
    "signedKey": "{\"keyValue\":\"MFkwEwYHKoZIzj0CAQYIKoZIzj0DAQcDQgAE7PWUi+e6WPUhNmTSQ2WN006oWlcWy0FtBWizw9sph1wvX9XcXUNRLcfcsmCBfI5IsKQkjAmYxpCSB+L5sIudLw\\u003d\\u003d\",\"keyExpiration\":\"1722393105282\"}",
    "signatures": [
      "MEUCIQCpU30A3g2pP93IBE5NxgO9ZcJlGF9YPzCZS7H4/IR1CQIgF6+I5t8olT8YsRDUcj7w3R1bvX4ZCcyFXE2+YXa+3H0="
    ]
  },
  "protocolVersion": "ECv2",
  "signedMessage": "{\"encryptedMessage\":\"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\\u003d\\u003d\",\"ephemeralPublicKey\":\"BMtTvPwj3NpExAUqbg2mKM0RF3JkNe+ag6/gTdI6t/FeWTfybGfoFCEE+X+UjegnsCVpWlcD8BbWJqnE1h9NBK0\\u003d\",\"tag\":\"6Z88vW+1Vqtspsq6Cwp4tmyJqWx3hTpOBBYLJhJKH4Y\\u003d\"}"
}

To process the actual payment, you will need make an API  Pre- /Authorization request to PAYONE including the payment token received from Google as Base64 encoded.

---end

  add_paydata[paymentmethod_token_data]=FpFyA6zSGkZC[...]xi8xeXCNbpGBpvlNXfcang==
  aid=12345
  amount=1000
  api_version=3.11
  cardtype=V
  clearingtype=wlt
  country=DE
  currency=EUR
  encoding=UTF-8
  firstname=Demo
  key=123456789abcdefghij
  lastname=Dude
  mid=12345
  mode=test
  portalid=123456
  reference=013265464564654
  request=preauthorization
  wallettype=GGP

---end

How Google Pay™ Works

The Google Pay™ API provides a streamlined checkout process for native Android applications, enabling customers to make purchases using payment methods saved to their Google Accounts within an app. When the customer clicks the Google Pay button in the app, the payment sheet appears, displaying all their saved payment methods and optional fields for shipping address data.

Integration steps with PAYONE are similar to those for the web. However, the integration of the Google Pay API in an online shop or Android app differs.

source: Google Developers

1. Google Pay™ brand guideline for Android

Make sure to follow the Google Pay™ brand guidelines before adding Google Pay™ payment button on Android application.

2. Integrate Google Pay™ api

Integrate Google Pay™ API in your Android application. For detailed instructions please use the Google Pay™ API Android integration guide and Google Pay™ API Android integration checklist

---end

      "tokenizationSpecification": {
        "type": "PAYMENT_GATEWAY",
        "parameters": {
          "gateway": "payonegmbh",
          "gatewayMerchantId": "yourPayoneMerchantId"
        }

---end

  const allowedCardNetworks = ["MASTERCARD", "VISA"];

---end

  "allowedAuthMethods": ["PAN_ONLY", "CRYPTOGRAM_3DS"]

{
    "type": "CARD",
    "parameters":
        {
        "allowedAuthMethods": ["PAN_ONLY", "CRYPTOGRAM_3DS"],
        "allowedCardNetworks": "MASTERCARD", "VISA"]
        },
    "tokenizationSpecification":
        {
        "type": "PAYMENT_GATEWAY",
        "parameters":
            {
            "gateway": "payonegmbh",
            "gatewayMerchantId": "yourPayoneMerchantid"
            }
        }

---end

  add_paydata[paymentmethod_token_data]=FpFyA6zSGkZC[...]xi8xeXCNbpGBpvlNXfcang==
  aid=12345
  amount=1000
  api_version=3.11
  cardtype=V
  clearingtype=wlt
  country=DE
  currency=EUR
  encoding=UTF-8
  firstname=Demo
  key=123456789abcdefghij
  lastname=Dude
  mid=12345
  mode=test
  portalid=123456
  reference=013265464564654
  request=preauthorization
  wallettype=GGP