User Guide for Google Pay™

Owned by Nick Mank (Unlicensed)
Last updated: Jul 23, 2024 by Chris Auger
6 min read

Introduction

Google Wallet offers a simpler and more secure alternative to access all your essentials, such as payment cards, loyalty cards, concert tickets and more using your phone. The Google Pay API provides access to physical credit, debit, or prepaid cards that have been saved to Google. It allows you to accept payments in stores, apps, or on the web.

Note: The Android App for Google Pay is now called Google Wallet. Google Wallet can be used anywhere that accepts Google Pay.

Adding a Card to Google Pay™

 

image-20240716-195110.png

  1. The customer creates a Google Wallet account and adds payment methods to the wallet.

  2. The payment methods are stored in Google Servers. A list of payment methods is provided when the service is invoked.

  3. Google servers return the payment payload when the payment method is used for a transaction. The payment payload is decrypted, and the specific values required for the authorization are passed to MerchantE by the merchant or Gateway provider for processing.

 

Making a Purchase using Google Pay™

image-20240716-194125.png

 

  1. A customer checks out on the Merchant website and uses Google Pay as payment.

  2. Google Pay is invoked, and the available payment methods are provided. The encrypted payment payload and unencrypted details are provided to the Merchant or Gateway provider.

  3. The encrypted payment payload and transaction details are sent to the Merchant or Gateway provider for decryption.

  4. The payment payload with the decrypted wallet details is sent to MerchantE for transaction Processing. The transaction is executed, and the results are sent back to the Merchant or Gateway Provider.

  5. The Merchant sends the transaction receipt to the customer.

Steps to Implement

MerchantE offers two ways to add Google Pay as a payment option.

Hosted Payment Page

When a customer checks out on your website, they are redirected to a MerchantE payment page. Google Pay can be added directly to this page by enabling the feature in the Hosted Payments Admin Page.

Payment Gateway Direct Integration

You can integrate directly with the MerchantE Payment Gateway by sending the details of the decrypted Google Pay payload. The Payment Gateway will consume the payload and process the transaction.

  • Google Pay Configuration: You will need to register with Google Pay and follow the instructions listed on the Integration Checklist. When ready, you will need to submit your domain for review by Google and obtain a merchantId and gateway MerchantId (if applicable) to use the production environment. Last, you will need to add a Google Pay button to your site using the instructions below.

Note: Merchants opting to act as the gateway for decryption purposes will need to obtain a gateway MerchantId.

  • Payment Gateway for Google Pay: Your payment gateway must be configured to send payment information to the MerchantE Payment Gateway for Processing.

Google Pay with Hosted Payments

To use Google Pay with the Hosted Payments Page, you will just need to enable the Google Pay option in the Settings & Configuration page of the Admin Dashboard. MerchantE will handle all registrations and certificate maintenance.

Google Pay with the Payment Gateway

The initial Google Pay request should contain the following the values.

Field

Value

Field

Value

(your gateway merchant ID value)

(your Google Pay Mid)

gatewayMerchantId

Google Pay MID

Google Pay Configuration

https://developers.google.com/pay/api/web/guides/test-and-deploy/integration-checklist  

  1. Initial Setup

    1. Use HTTPS with TLS-domain validated certificate.

    2. Use a supported browser.

    3. Add a Payment Method to your account.

    4. Adhere to the Google Pay API Acceptable Use Policy.

  2. Build a Google Pay paymentsClient for the TEST environment using the Tutorial. You can view live demos and code examples on the Google Pay demos page.

  3. Compete the Integration Checklist.

    1. Basics - Ensure card handling procedures are properly configured.

    2. Brand Tests - The Google Pay branding requirements are followed. Ensure the button only appears when called and matches the other elements on your page.

    3. Functional Tests - Use the Test Card Suite to test your integration. Test the CARD payment method with PAN_ONLY and CRYPTOGRAM_3DS. Test the shipping address in various states of completion. Check that the correct final price is shown when completing the transaction.

  4. Request Production Access in the Manage Integrations in Console button.

  5. Deploy Production Environment

    1. Set up your website for production.

    2. Add your MerchantID and gateway MerchantId (if applicable).

    3. Launch the website.

Google Pay Button

You can customize the settings for your Google Pay using the Customize your button page. The page allows you alter the color, type, and locale settings for the button. It will then be generated in the library of your choice to incorporate into your website.

Using the Payment Gateway with Google Pay

The initial Google Pay request should include the following values.

Field

Value

(your gateway merchant ID value)

(your google pay Mid)

gatewayMerchantId

Google Pay MID

 Google Pay™ to Payment Gateway


The encrypted wallet payload will need to be decrypted by the Merchant or Gateway provider. The parameters in the decrypted payload will need to be passed into the MerchantE Payment Gateway transaction request for Authorization. See Field IDs below.

Payment Gateway API Field Reference

The following fields are used to send payment data directly to the payment gateway for processing.

Field

Description

Example

Required?

Length

Format

profile_id

ID issued by MerchantE

94100008819100000003

Required

20

N

profile_key

EAPI password assigned by MerchantE

oyFnzBewkLQEkGispfAoIjNoTuTwtcbv

Required

32

AN

transaction_type

D, where D denotes a sale.

D

Optional

1

AN

card_number

Payment card number

4012301230158

Conditional

5 – 22

N

moto_ecommerce_ind

Acceptable values are 5, 6, 7, and A.

Recurring transactions will require 2.

5

Required

1

AN

cavv

This contains a data value generated by the issuer to enable cardholder validation for 3D Secure transactions.

BwABBJaSmIZUMzSVMpKYAAAAAAA%3D

Conditional - Used for Visa and Discover.

40

AN

tac

 

TWsyTEhIakRyQWRNakd4SkhoeHI%3D

Conditional – Used for AMEX.

30

AN

ucaf_auth_data

This is a variable length issuer generated security field up to 32 bytes in length.

ucaf:jJJLtQa+Iws8AREAEbjsA1MAAAA

Conditional - Used for Mastercard.

0-32

AN

xid

This field contains a value assigned to a SET or 3D Secure transaction as a unique transaction identifier.

b1h4MTVGa2JXMzFhSEhOU3FqSjA%3D

Conditional - Used for AMEX.

0 or 40

AN

requesterapp_name

 Product Identifier

GGL001

Conditional - Mandatory for Google Pay.

 

AN

token_requestor_id

Hex-encoded device manufacturer identifier.

544553544456

Conditional- Mandatory for AMEX.

0 or 11

AN

recurring_pmt_num

Payment number of the transaction. Initial and subsequent recurring transactions should pass 1.

1

Conditional

2

N

Example Request/Response

Tokenized

Visa

Request

transaction_amount=500.00&profile_key=EtLwsVwzcecgpHqkrNjhXPVyvUnEYHdn&card_number=489533XXXXXX1119&transaction_type=D&card_exp_date=1228&cavv=AgAAAAAABk4DWZ4C28yUQAAAAAA%3D&requesterapp_name=ggl001&moto_ecommerce_ind=07&profile_id=94100006000500000001

Response

transaction_id=42850f21a16a3449ab3f7b96d16f8974&error_code=000&auth_response_text=Approval T4002H&avs_result=0&auth_code=T4002H

Mastercard

Request

profile_id=94100012751900000001&profile_key=yIpoVLLeqSxjakiPLfasWbiDkkfwPHYE&transaction_type=D&card_number=5371433XXXXXX489&card_exp_date=1226&transaction_amount=100&moto_ecommerce_ind=5&ucaf_auth_data=APPMyBYhLyIRAFKxrruhAoABFA%3D%3D&token_requestor_id=12345678901&requesterapp_name=ggl001

Response

Discover

Request

Response

American Express

Request

Response

Non-Tokenized

Visa

Request

Response

Mastercard

Request

Response

Discover

Request

Response

American Express

Request

Response

Testing Your Google Pay Configuration

Sending Test Payments to MerchantE Payment Gateway

The certification request form must be submitted online in order to obtain testing credentials: Obtain Testing Credentials Upon receipt of the completed form, test credentials will be emailed within 24-48 hours.

Certification Host: https://cert.merchante-solutions.com/mes-api/tridentApi  

Note: It is important to use the test profile for testing to prevent billing for authorizations obtained during testing. ME will bill for all authorizations obtained using a production profile even if the transactions are part of the testing cycle.

The MerchantE certification servers are always available for unattended testing. The certification servers replicate the Payment Gateway production servers and support testing for all available functions. The Apply Pay transactions will be visible in your Business Portal reports.

Certification transactions are processed as tests, so there is no need to worry about settlement to a customer account.

Google Testing Resources

Test with sample tokens

Test with sample credit cards

Google Pay Links

Android

Web

 


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